CN106529988B

CN106529988B - Service processing method and device

Info

Publication number: CN106529988B
Application number: CN201610852629.8A
Authority: CN
Inventors: 梁伯恩; 张金征; 袁健威; 方乐明; 万超; 梁稷兰; 何子健; 唐锐; 梁之可; 黄鑫; 黄焕坤; 饶海霞; 沈俊伟; 张钧; 孙淑芹; 王鹏飞; 刘英超; 叶娃; 黄斐; 黄佳生
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2016-09-26
Filing date: 2016-09-26
Publication date: 2021-09-28
Anticipated expiration: 2036-09-26
Also published as: CN106529988A

Abstract

The invention discloses a service processing method and a service processing device, and belongs to the technical field of networks. The method comprises the following steps: receiving a value transfer request, wherein the value transfer request is used for indicating a first user to transfer a first value to a second user, and the second user is used for providing service for the first user; if the current time reaches the preset time, acquiring an accumulated numerical value of the first user, wherein the accumulated numerical value is acquired by the first user through at least one numerical value transfer within a specified activity time period; and transferring the value between the first user and the second user according to the first value and the accumulated value of the first user. According to the method and the device, at least one value for accumulation can be issued to the first user through the multiple value transfer of the first user within a certain time period, the accumulated value of the first user is obtained, the accumulated value can be totally used for deducting the value which needs to be transferred to the second user, the buyer user can be stimulated to consume for multiple times within a certain time period, and the efficiency of business processing is improved.

Description

Service processing method and device

Technical Field

The present invention relates to the field of network technologies, and in particular, to a service processing method and apparatus.

Background

With the development of network technology, it has become a popular payment method to complete payment through value transfer between different users via network, such as between buyer user and seller user.

In the prior art, in order to stimulate the consumption of the buyer user, after the buyer user completes one payment to the seller user, a virtual resource package containing a certain numerical value, such as a voucher, an electronic red packet, etc., can be issued to the buyer user through a server. The server stores the virtual resource package into the account of the buyer user. When the buyer user subsequently pays the seller user again, the virtual resource package may be selected for use on the local terminal. The server subtracts the value corresponding to the virtual resource package from the value required to be paid by the buyer user this time according to the virtual resource package selected by the buyer user to obtain the target value actually required to be paid by the buyer user, and then the server deducts the target value from the account of the buyer user to complete the payment process.

In the process of implementing the invention, the inventor finds that the prior art has at least the following problems:

the virtual resource package acquired by the buyer user through the above process can only be used when the value is transferred with the seller user next time, and the virtual resource package generally needs to be used alone and cannot be accumulated, so that further consumption of the buyer user cannot be stimulated, the virtual resource package cannot play the maximum popularization role, and the actual efficiency of service processing is reduced.

Disclosure of Invention

In order to solve the problem in the prior art, embodiments of the present invention provide a service processing method and apparatus. The technical scheme is as follows:

in a first aspect, a method for processing a service is provided, where the method includes:

receiving a value transfer request, wherein the value transfer request is used for instructing a first user to transfer a first value to a second user, and the second user is used for providing service for the first user;

if the current time reaches the preset time, acquiring an accumulated numerical value of the first user, wherein the accumulated numerical value is acquired by the first user through at least one numerical value transfer within a specified activity time period;

and performing value transfer between the first user and the second user according to the first value and the accumulated value of the first user.

In a second aspect, a method for processing a service is provided, where the method includes:

sending a value transfer request to a server, wherein the value transfer request is used for indicating a first user to transfer a first value to a second user, and when the server determines that the current time reaches a preset time, the value transfer is performed according to the accumulated value of the first user, and the accumulated value of the first user is obtained by the first user through at least one value transfer in a specified activity time period;

And after receiving the successful payment message, displaying the actual transfer value and the deduction value of the first user in the value transfer process.

In a third aspect, a service processing apparatus is provided, where the apparatus includes:

the system comprises a receiving module, a sending module and a receiving module, wherein the receiving module is used for receiving a numerical value transferring request, the numerical value transferring request is used for indicating a first user to transfer a first numerical value to a second user, and the second user is used for providing service for the first user;

the first acquisition module is used for acquiring an accumulated numerical value of the first user if the current time reaches a preset time, wherein the accumulated numerical value is acquired by the first user through at least one numerical value transfer within a specified activity time period;

and the value transferring module is used for transferring the value between the first user and the second user according to the first value and the accumulated value of the first user.

In a fourth aspect, a traffic processing apparatus is provided, the apparatus including:

the system comprises a sending module, a receiving module and a processing module, wherein the sending module is used for sending a numerical value transferring request to a server, the numerical value transferring request is used for indicating a first user to transfer a first numerical value to a second user, the server transfers the numerical value according to the accumulated numerical value of the first user when the current time is determined to reach a preset time, and the accumulated numerical value of the first user is obtained by the first user through at least one numerical value transfer in a specified activity time period;

And the display module is used for displaying the actual transfer value and the deduction value of the first user in the value transfer process after receiving the payment success message.

The technical scheme provided by the embodiment of the invention has the following beneficial effects:

through the multiple value transfer of the first user in a certain time period, at least one value used for accumulation can be issued to the first user to obtain the accumulated value of the first user, and the accumulated value can be completely used for deducting the value needing to be transferred to the second user, so that the buyer user can be stimulated to consume for multiple times in the certain time period, the times of service processing are increased, and the efficiency of service processing is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic interaction diagram of a device for performing service processing according to an embodiment of the present invention;

Fig. 2A is a flowchart of a service processing method according to an embodiment of the present invention;

fig. 2B is a flowchart of a service processing method according to an embodiment of the present invention;

FIG. 2C is a schematic diagram of a display of a numerical accumulation message according to an embodiment of the present invention;

FIG. 2D is a schematic diagram illustrating a detailed display of an accumulated value provided by an embodiment of the present invention;

FIG. 2E is a schematic diagram illustrating a detailed display of an accumulated value provided by an embodiment of the present invention;

fig. 2F is a schematic diagram illustrating a display of a payment success message according to an embodiment of the present invention;

FIG. 2G is a schematic diagram of a thank you interface for participating in activities according to an embodiment of the invention;

FIG. 2H is a schematic diagram illustrating a display of an activity recommendation message according to an embodiment of the present invention;

FIG. 2I is a schematic diagram illustrating a display of an accumulated value transfer option provided by an embodiment of the present invention;

FIG. 2J is a schematic illustration of a display of an accumulated value transfer option provided by an embodiment of the present invention;

fig. 2K is a schematic diagram of an interface for virtual resource redemption provided by an embodiment of the present invention;

fig. 3 is a block diagram of a service processing apparatus according to an embodiment of the present invention;

fig. 4 is a block diagram of a service processing apparatus according to an embodiment of the present invention;

Fig. 5 is a schematic structural diagram of a terminal according to an embodiment of the present invention;

fig. 6 is a block diagram of a service processing apparatus according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Fig. 1 is a schematic interaction diagram of a device for performing service processing according to an embodiment of the present invention, and referring to fig. 1, the device includes a server 101, at least one first user terminal 102, and at least one second user terminal 103.

The server 101 is configured to provide a service processing service for at least one first user and at least one second user, and the server 101 may include a value transfer server providing a payment service, a value distribution server and a message server for distributing a value, and the like.

The first user terminal 102 is logged in with a first user, and the second user terminal 103 is logged in with a second user. The first user may be a buyer user, the second user may be a seller user, and the second user is used for providing services, such as diet services, living goods services, electronic product services, and the like, for the first user. For the service provided by the second user, the first user needs to pay the second user for a corresponding fee, for example, the first user may perform a corresponding value transfer to the second user through the server to complete the payment.

Fig. 2A is a flowchart of a service process provided in an embodiment of the present invention, where an interaction subject is a first user terminal and a server, and referring to fig. 2A, the method includes the following steps:

201. the first user terminal sends a value transfer request to the server, wherein the value transfer request is used for instructing the first user to transfer the first value to the second user.

The value transfer request may include a user identification of the first user and a user identification of the second user and the first value.

For example, the process of the first user terminal sending the value transfer request to the server may be: the first user terminal can display a first payment interface for paying the second user, the first user can input a first numerical value needing to be transferred on the first payment interface, and the first user terminal is triggered to send a numerical value transfer request to the server by clicking a payment option of the payment interface.

Of course, the value transfer between the first user and the second user may also be implemented by the second user terminal sending a corresponding value transfer request to the server, for example, the process of sending the value transfer request to the server by the second user terminal may be: the method comprises the steps that a first user triggers a second payment interface for paying to a second user on a first user terminal, the second payment interface comprises user information of the first user, the form of the user information can be two-dimensional codes or bar codes and the like, and after the user information of the first user is acquired by a second user terminal through a designated device, a numerical value transfer request needing numerical value transfer is sent to a server. Wherein, the appointed equipment has a two-dimensional code or bar code scanning function.

202. After the server receives the value transfer request, if the current time is determined to reach the preset time, the accumulated value of the first user is obtained.

The designated activity time period is used to indicate an activity time of the designated activity, and the designated activity time period may be set in advance by the server according to an actual demand from 0 hour of the first designated date to 24 hours of the second designated date, for example, from 0 hour of 8 months and 1 day to 24 days of 8 months and 8 days. The preset time is a period of time at the end of the designated activity time period, for example, when the designated activity time period is from 8 months 1 day 0 to 8 months 8 days 24, the preset time may be from 8 months 8 days 0 to 8 months 8 days 24, and the like, and the preset time may also be preset by the server according to an actual requirement, which is not limited in the embodiment of the present invention. The current time refers to the time when the value transfer request is received.

It should be noted that, in order to encourage the first user (i.e., the buyer user) to consume for multiple times within the specified activity time period, in the embodiment of the present invention, the server may transfer the activity for multiple times according to the value of the first user within the specified activity time period, and issue multiple values for accumulation for the first user, where the accumulated values may be used at a preset time to offset the cost to be paid to the second user (the seller user). The preset time is a time period for the first user to use the accumulated numerical value, and a time period before the preset time in the appointed activity time period is a time period for the first user to accumulate the numerical value.

In step 202, the usage condition of the accumulated value is that the current time reaches the preset time, and at this time, the server may obtain the accumulated value of the first user for subsequent use of the accumulated value.

In the embodiment of the present invention, the limitation condition of using the accumulated value may be added on the basis that the current time reaches the preset time:

in one implementation, in order to encourage the buyer user to consume in different seller users, the number of times of numerical value transfer based on the accumulated numerical value by the second user in the specified activity time may be limited, and specifically, the server determines whether the number of times of numerical value transfer based on the accumulated numerical value by the second user in the specified activity time period exceeds the preset number of times of transfer by the second user when determining that the current time reaches the preset time. And if the preset transfer times of the second user are not exceeded, executing the step of acquiring the accumulated numerical value of the first user. And if the preset transfer times of the second user are exceeded, executing the numerical value transfer operation corresponding to the numerical value transfer request.

Wherein the numerical value transfer based on the accumulated numerical value may include at least one of numerical value transfer using the accumulated numerical value and numerical value transfer performing numerical value accumulation. The preset transfer times of different second users can be the same or different, and are determined according to the credit investigation level of the second users. For example, when the credit investigation level of the second user is higher, the corresponding preset transfer times are larger.

Wherein, the credit rating of the second user is used for representing the credit degree of the second user. In this embodiment of the present invention, the credit investigation level of the second user may be determined according to the online behavior data of the second user, may also be determined according to the offline association behavior data of the second user, or is determined according to the online behavior data and the offline association behavior data of the second user, or may also be determined according to other data of the second user, which is not limited in this embodiment of the present invention. The Online behavior data of the second user may include at least one of buyer evaluation behavior data, after-sales service data, and complaint data, and the Offline associated behavior data may include at least one of physical store transaction data and O2O (Online to Offline) life service data, which may or may not include other data, respectively.

In order to encourage the buyer user to consume the specified seller user, the limitation that the second user includes in the specified user list may be added on the basis of the usage condition of the accumulated value. Wherein the designation list is used to store a plurality of second users who can use the accumulated value. The plurality of second users may be seller users participating in the specified activity. Specifically, after the server determines that the second user is included in the designated user list, the step of obtaining the accumulated value of the first user is performed.

Before using the accumulated value, the first user needs to perform value accumulation, and the process of the value accumulation is described below with reference to fig. 2B, and after step 201, the embodiment of the present invention may further include the following steps 0a to 0 c:

step 0 a: after receiving the numerical value transfer request, if the current time is within the specified activity time period and the preset time is not reached, the server issues a second numerical value to the first user after executing the numerical value transfer operation corresponding to the numerical value transfer request.

If the server is provided with the appointed activity time period and the preset time, after the server receives the numerical value transfer request, whether the current time is in the appointed activity time period or not is judged; if the current time reaches the preset time, judging whether the current time reaches the preset time; and if the current time does not reach the preset time, executing the numerical value accumulation process.

The server executes the value transfer operation corresponding to the value transfer request, which means that the server transfers the first value from the first user to the second user. The server issuing the second value to the first user refers to the server storing the second value in correspondence with the first user, for example, storing the second value in correspondence with the user identifier of the first user.

Wherein the second value refers to a value for accumulation. The second value may be a value stored in a designated account stored by the server. The designated account may be considered a bonus pool provided by the server for the plurality of first users, the value stored in the designated account for issuance to the at least one first user in accordance with the value accumulation condition.

Wherein, the numerical accumulation condition may include the following:

condition 1, the current time at which the value transfer occurs is within the specified activity time period, and the preset time is not reached.

And 2, the current time is within any sub-time period of the specified activity time period and does not reach the preset time, and the value transfer request is the first value transfer request of the first user within the current sub-time period.

For example, when the designated activity time period includes friday to sunday, each day may be used as a sub-time period of the designated activity time period, or several hours of each day may be divided into a sub-time period of the designated activity time period, which is not limited in the embodiment of the present invention.

And 3, if the current time is within any sub-time period of the specified activity time period and does not reach the preset time, the value transfer request is a first value transfer request of the first user for transferring the value to the second user within the current sub-time period.

To encourage buyer users to consume in different sellers, the condition 3 limits the value transfer request to the first value transfer request for the value transfer to the second user on the basis of the condition 2.

Condition 4, the second user is included in a designated user list for storing a plurality of second users who can use the accumulated numerical value.

It should be noted that, in this step 0a, the value accumulation condition is the condition 1, and since the value stored in the designated account is limited, in order to ensure that all the first users participating in the designated activity can acquire the accumulated value, in an implementation manner, the limit of the second value acquired by each first user may be limited, for example, the second value issued to each first user must not exceed the first preset threshold. In another implementation, the second value may be issued to the first user when the first value transferred by the first user exceeds a second preset threshold. The first preset threshold and the second preset threshold may be preset or changed by the server, which is not limited in the embodiment of the present invention.

In another embodiment, the above-described conditions 2 to 4 may also be adopted as the numerical value accumulation conditions. The conditions 2 to 4 may be used as conditions for numerical value accumulation alone or in combination, for example, the condition 4 may be used as a condition for numerical value accumulation in combination with the conditions 2 and 3, respectively, and of course, the condition 4 may also be used as a condition for numerical value accumulation in combination with the condition 1, which is not limited in the embodiment of the present invention. When the value accumulation condition is condition 2, the server may determine whether the value transfer request is a first value transfer request of the first user in the current sub-time period when it is determined that the current time is within any sub-time period of the specified activity time period and the preset time is not reached; if so, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, the step of issuing the second numerical value to the first user is executed. When the value accumulation condition is condition 3, the server may determine whether the value transfer request is a first value transfer request for transferring the value from the first user to the second user in the current sub-time period when it is determined that the current time is within any sub-time period of the specified activity time period and the preset time is not reached; if so, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, the step of issuing the second numerical value to the first user is executed.

In the embodiment of the present invention, the manner in which the server issues the second value to the first user may include the following three ways:

wherein, the three ways can be applied to any one of the above numerical accumulation conditions and combinations thereof.

In the first way, the server randomly generates and issues a second value that can be used at a preset time.

In this manner, the server may randomly generate the first resource package based on the designated account according to the target quota value and the accumulated value for the first user. The first resource package is used for providing a second value which can be used at a preset time, and the server can store the second value corresponding to the first user.

The target quota value is the maximum value that the first user can accumulate in the specified activity time period, that is, the value accumulated by the first user in the specified activity time period cannot exceed the target quota value. The accumulated value of the first user refers to the value accumulated by the first user before the value is transferred.

The server can determine the maximum value which can be issued for the first user at this time according to the target quota value and the accumulated value of the first user, then randomly acquire a second value which is smaller than the maximum value which can be issued at this time from the specified account, and generate the first resource package according to the second value. The first resource package may have a first package identification indicating a second value in the first resource package for use at a preset time.

In a second mode, the server obtains a second numerical value which can be used in a preset time from the distributed numerical values, and the second numerical value is distributed to the first user.

In this manner, the server obtains the second resource package from the plurality of resource packages for the designated account according to the target quota value and the accumulated value of the first user. The second resource package is used for providing a second value which can be used at a preset time, and the server can store the second value corresponding to the first user.

The target quota value is the same as the target quota value of the first method, and is not described herein again. Unlike the first approach, in this approach, the value in the given account may be pre-allocated to multiple resource packages, and different resource packages may contain different values. Specifically, the server may preset several values and the number of resource packages corresponding to each value, and allocate the values in the designated account to the plurality of resource packages according to the preset several values and the number of resource packages corresponding to each value. For example, if the server presets several values including 0.5, 0.88, 1.2 and 8, and the number of corresponding resource packages is 100, 80, 50 and 5, respectively, the server may allocate the values in the designated account into 100 resource packages of 0.5, 80 resource packages of 0.88, 50 resource packages of 1.2 and 5 resource packages of 8.

The server can determine the maximum value which can be issued for the first user at this time according to the target quota value and the accumulated value of the first user, and then acquire a second resource package which contains a value smaller than the maximum value which can be issued at this time from the specified account. The second resource packet may have a second packet identification indicating a second value in the second resource packet for use at a preset time.

It should be noted that the second packet identifier may be the same as or different from the first packet identifier in the first embodiment, and this is not limited in this embodiment of the present invention.

In a third approach, the server randomly generates and issues a second value that can be used at any time.

In this manner, in order to arouse the first user's consumption interest, the server may also issue to the first user a second value that can be used at any time, the second value being added by the server to the first user's account so that the first user can use the second value through his own account at any time.

In particular, the server may randomly generate a third resource packet, which may have a third packet identifier indicating that the value in the third resource packet may be used at any one time. The server may preset a rule for issuing the third resource packet, for example, the rule may issue a third resource packet after issuing a preset number of accumulated numerical values each time; or the rule may be to include the second value first issued during any sub-period of the specified activity period in the third resource package.

Step 0 b: and the server sends a value accumulation message to the first user terminal, wherein the value accumulation message comprises the second value and the accumulated value of the first user.

In order to better show the value issuing result and enable the first user to know the value accumulation condition in real time, the server may carry the second value issued this time and the accumulated value of the first user after issuing the second value in the value accumulation message and send the value accumulation message to the first user terminal.

Step 0 c: and after receiving the numerical value accumulation message of the server, the first user terminal displays the second numerical value and the accumulated numerical value of the first user.

And the first user terminal displays the second numerical value and the accumulated numerical value of the first user according to the received numerical value accumulation message. For example, the first user terminal may display the numerical accumulation message in a designated interface. The numerical value accumulation message may be displayed according to a preset template, for example, the second numerical value accumulated this time may be highlighted in a designated interface, for example, a large font display is adopted, or the second numerical value is placed in the center of the designated interface for display. And the accumulated value for the first user may be displayed in a smaller font below the second value. In addition, in order to make the first user more aware of the activity rule of the specified activity, the value accumulation message may further include information related to the specified activity, such as information about the accumulation mode and the usage time of the accumulated value. Fig. 2C is a schematic diagram illustrating a display of numerical accumulation messages, and the designated interface shown in fig. 2C may be a message notification interface. Also included in this FIG. 2C is a view details option for displaying a first details interface for the first user's accumulated value. For example, when the first user terminal detects a trigger operation on a view detail option of an accumulated numerical value, a first detail interface of the accumulated numerical value of the first user may be displayed, as shown in fig. 2D, where a numerical value accumulated this time, a current accumulated numerical value, and related information of a specified activity, such as an accumulation mode of the accumulated numerical value, are displayed in the first detail interface.

Since the accumulated value of the first user is obtained by at least one value transfer of the first user, in order to show the accumulated value of the first user in more detail, the first user terminal may further display details of the accumulated value, and the process may include: when the acquisition record viewing operation of the accumulated numerical values of the first user is detected, at least one numerical value acquired by the first user in a specified activity time period is acquired from the server. At least one numerical value is displayed in chronological order. In particular, the first user terminal may display the at least one numerical value in chronological order in the second detail interface in which the numerical values are accumulated. For example, each numerical value and the corresponding date of acquisition are displayed in the second detail interface. See fig. 2E, which is a schematic diagram showing details of one accumulated value.

As can be seen from the process of value accumulation described in the foregoing steps 203 to 205, the accumulated value of the first user can be obtained by the first user through at least one value transfer within the designated activity time period, and after the value accumulation is performed, the first user can use the accumulated value to deduct the value transferred to the second user at the preset time, and the process of using the accumulated value includes the following steps 206 to 211.

203. And the server determines a deduction value, and determines the difference value of the first value and the deduction value as an actual transfer value.

After obtaining the accumulated value of the first user, the server can use the accumulated value in the process of transferring the value from the first user to the second user to deduct a first value which is required to be transferred from the first user to the second user. The method for determining the deduction value by the server may include the following steps:

in the first mode, if the first value is larger than the accumulated value of the first user, the accumulated value of the first user is determined as a deduction value.

In this manner, the accumulated value of the first user may be used all at once as a withhold value. For example, assuming that the accumulated value of the first user is 5-ary, if the first value is 10-ary, i.e. the first value is greater than the accumulated value of the first user, it can be determined that the deduction value is 5-ary.

The second way, if the first value is less than the accumulated value of the first user, the first value is determined as a deduction value.

In this manner, the accumulated value of the first user may be used in multiple times. For example, if the accumulated value of the first user is still 5 yuan, if the first value is 2.4 yuan, that is, the first value is smaller than the accumulated value of the first user, the deduction value may be determined to be 2.4 yuan, so that the actual transfer value actually required to be paid by the first user is 0, and the payment may be completed by subtracting the 2.4 yuan from the accumulated value of the first user. After the accumulated value of the first user is deducted by 2.4 yuan, the residual accumulated value is 2.6 yuan, and the residual accumulated value can be used when the value of the subsequent first user is transferred.

And in the third mode, if the first value is smaller than the accumulated value of the first user, determining the preset percentage of the first value as a deduction value.

In this manner, the accumulated value of the first user may be used in multiple times. For example, assuming that the accumulated value of the first user is still 5 yuan, if the first value is 3 yuan and the preset percentage is 20%, it may be determined that 20% of the deduction value of 3 yuan is 0.6 yuan, so that the actual transfer value actually required to be paid by the first user is 2.4 yuan, and then the 0.6 yuan is deducted from the accumulated value of the first user. After the accumulated value of the first user is deducted by 0.6 yuan, the residual accumulated value is 4.4 yuan, and the residual accumulated value can be used when the value of the subsequent first user is transferred.

And in the fourth mode, a deduction value is determined according to the credit investigation level of the second user and the accumulated value of the first user, the deduction value is not larger than the accumulated value of the first user, and positive correlation exists between the credit investigation level of the second user and the deduction value.

And the higher the credit investigation grade of the second user, the larger the corresponding deduction value. Specifically, the server may preset a corresponding list of credit investigation levels and deduction values, for example, the server may set a maximum deduction value for different credit investigation levels (for example, the credit investigation level is 1 level to 10 levels), and the higher the credit investigation level is, the larger the corresponding maximum deduction value is; or, the server may perform range division on the credit investigation level, and set a maximum deduction value corresponding to a credit investigation level range, and the like. If the accumulated value of the first user is larger than the maximum deduction value of the second user, determining the maximum deduction value as the deduction value; and if the accumulated value of the first user is not less than the maximum deduction value of the second user, determining the accumulated value of the first user as the deduction value.

For example, if the accumulated value of the first user is still 5 yuan, if the first value is 10 yuan, the credit rating of the second user is 8 grades, and the corresponding maximum deduction value is 4 yuan, it is known that the maximum deduction value of 4 yuan is less than the accumulated value of 5 yuan, and the deduction value is 4 yuan; if the maximum deduction value corresponding to the second user is 6 yuan, the maximum deduction value of 6 yuan is greater than the accumulated value of 5 yuan, and the deduction value is 5 yuan.

204. The server deducts the deduction value from the accumulated value of the first user, transfers the deduction value from the designated account to the second user, and transfers the actual transfer value from the account of the first user to the second user.

By using the accumulated value in the value transfer process, the value transferred from the first user to the second user is smaller than the first value actually required to be paid, and the enthusiasm of the first user for consumption is improved.

The steps 202 to 204 are processes in which the server transfers the value between the first user and the second user according to the first value and the accumulated value of the first user, and then the server may further notify the result of the value transfer to the first user, where the specific processes include the following steps 205 and 206.

205. The server generates a payment success message, which includes the actual transfer value and the deduction value, and sends the payment success message to the first user terminal.

And after the server finishes the value transfer between the first user and the second user by using the accumulated value, generating a payment success message, wherein the payment success message is used for displaying the detailed information of the current payment of the first user at the first user terminal. In addition, if the accumulated value of the first user is not zero at this time, the server may also carry the accumulated value of the first user in the payment success message and send the payment success message to the first user terminal.

206. And after receiving the successful payment message, the first user terminal displays the actual transfer value and the deduction value in the value transfer process.

The first user terminal may display the payment success message, that is, display the actual transfer value and the deduction value in the value transfer process in the transaction detail interface. In addition, when the payment success message carries the accumulated value of the first user, the first user terminal may further display the accumulated value of the first user, see fig. 2F, which is a display diagram of the payment success message provided in the embodiment of the present invention. Of course, in order to thank the first user to participate in the designated activity, the first user terminal may also display a thank you interface for participating in the activity, see fig. 2G.

The embodiment of the invention also provides a recommendation function of the specified activity, an assignment function of the accumulated numerical value and a virtual resource exchange function of the accumulated numerical value, and the three functions are introduced respectively as follows:

one, recommendation function of specified activity

In the embodiment of the present invention, in order to improve the user engagement degree of the specified activity, a recommendation function of the specified activity may be further provided, and the recommendation process may include the following steps 1a to 1 d:

step 1 a: and after the server issues the second value to the first user, the server acquires at least one third user from the user relationship chain of the first user, wherein the at least one third user is a user not participating in the specified activity.

Step 1 b: the server sends an activity recommendation prompting message containing at least one third user to the first user terminal.

Step 1 c: and the first user terminal displays at least one third user when receiving the activity recommendation prompting message of the server.

The display mode of the at least one third user may include the following:

the first display mode and the activity recommendation prompting message may be push messages, and when the first user terminal detects a trigger operation on the activity recommendation prompting message, the at least one third user is displayed.

And the second display mode and the activity recommendation prompting message are separately displayed in an interface, and the at least one third user is displayed in the interface.

And displaying the third display mode, the activity recommendation prompt message and the numerical accumulation message in a specified interface. For example, a slidable list may be displayed below the numerical accumulation message, in which the at least one third user is displayed. Or, considering that the display area of the designated interface is limited, the recommendation link corresponding to the activity recommendation message may be displayed in the designated interface, and when the trigger operation on the recommendation link is detected, the at least one third user is displayed in another interface.

It should be noted that, corresponding to the third display mode, the server may simultaneously send the numerical accumulation message and the activity recommendation prompting message to the first user terminal. Fig. 2H is a diagram illustrating a third display mode for displaying the activity recommendation message.

Step 1 d: and the first user terminal recommends the appointed activity to at least one third user according to the recommendation confirmation operation of the at least one third user.

The method comprises the steps that the first user can select one or more third users from at least one third user displayed on the first user terminal, the first user can trigger recommendation confirmation operation by clicking a recommendation confirmation button, the first user terminal sends recommendation confirmation messages of the selected one or more third users to a server, and the server sends the recommendation messages of specified activities to the terminal where the one or more third users are located.

Second, transfer function of accumulated value

In the embodiment of the present invention, in order to increase the interaction frequency between different users, an assigning function of accumulated values may also be provided, including the following two cases:

in the first case, where all the values accumulated are transferred, the process may include the following steps 2a to 2 c:

step 2 a: and displaying a user relationship chain of the first user when the first user terminal detects the transferring operation of the accumulated numerical value in the appointed activity time period.

The first user terminal may display a first diversion option for the accumulated value, which may be displayed in a detail interface for the accumulated value. When the triggering operation of the first diversion option is detected, the first user terminal may display a user relationship chain of the first user. As shown in fig. 2I, a display diagram of an accumulative number transfer option is shown, and after the transfer option is triggered in fig. 2I, the first user terminal may display a user relationship chain of the first user.

And step 2 b: and the first user terminal sends a first transfer request to the server according to the first target user determined in the user relationship chain, wherein the first transfer request is used for indicating transfer of the accumulated numerical value of the first user.

The first user can select a friend user in the user relationship chain as a first target user for accumulating the value transfer. The first transfer request may carry a user identifier of the first target user and a first transfer identifier, where the first transfer identifier is used to indicate an accumulated value used by the transfer request to transfer the first user.

And step 2 c: and after receiving the first transfer request, the server determines a first target user indicated by the first transfer request, and transfers the accumulation numerical value of the first user to the accumulation numerical value of the first target user when the server determines that the first target user does not receive the transfer of the accumulation numerical value in the appointed activity time period.

Wherein the accumulated value of the first user is less than the first diversion threshold. The first transfer threshold may be preset or modified by the server, which is not limited in the embodiment of the present invention.

It should be noted that, in order to avoid the security risk caused by multiple transfers among users, each user may be limited to receive only one transfer of the accumulated value. Specifically, the server may record the number of transfers each user receives the accumulated value, and the transfer value of the accumulated value. The number of transfers of the accumulation value may include 0 and 1, and when the number of transfers of the accumulation value of the first target user is 0, the server determines that the first target user has not received the transfer of the accumulation value for a specified activity period.

In order to further improve the security of transferring the accumulated value, the number of times the first user transfers the accumulated value to other users may be limited, for example, the first user may transfer the accumulated value to other users only once. For example, the server may record the number of times each user has transferred the accumulation value to other users, and when the first user has not transferred the accumulation value to other users, process the first transfer request of the first user.

In the second case, any of the values constituting the accumulation value is transferred, the process may include the following steps 3a to 3 c:

step 3 a: when the first user terminal detects a transfer operation for any one of the values accumulated during a specified activity period, a user relationship chain of the first user is displayed.

The first user terminal may display an assignment option in the details interface for accumulating values corresponding to the entry for each value. And when the first user terminal detects the triggering operation of the transfer option of any value, displaying a user relationship chain of the first user. Fig. 2J is a schematic diagram showing an option for transferring accumulated values.

And step 3 b: and the first user terminal sends a second transfer request to the server according to a second target user determined in the user relationship chain, wherein the second transfer request is used for indicating transfer of the numerical value acquired by the first user in any sub-time period.

The first user can select a friend user in the user relationship chain as a second target user for accumulating the value transfer. The second transfer request may carry the user identifier of the second target user and a second transfer identifier, where the second transfer identifier is used to indicate that the transfer request is used to transfer numerical values acquired by the first user in any sub-time period in an accumulation manner.

And step 3 c: and when the server receives the second transfer request, determining a second target user indicated by the second transfer request, and when determining that the second target user does not accumulate the numerical value in the corresponding time period, transferring the second numerical value acquired by the first user in the sub-time period to the accumulated numerical value of the second target user.

Wherein the first user transfers a value less than the second transfer threshold. The second transfer threshold may be preset or modified by the server, which is not limited in the embodiment of the present invention. This second transfer threshold may be smaller than the first transfer threshold in step 2b above.

It should be noted that, in order to avoid the security risk caused by multiple transfers among users, the second transfer request may further include the acquisition time of the value to be transferred, and the server processes the second transfer request when it is determined that the second target user does not accumulate the value in the sub-time period of the acquisition time of the value to be transferred, otherwise, ignores the second transfer request.

In order to further improve the security of transferring the accumulated value, the number of times of transferring the value acquired by the user in the sub-period may be limited, or the number of times of transferring the accumulated value received by the user may be limited, which is the same as the description in step 2c, and is not described herein again.

Thirdly, virtual resource exchange function for accumulating numerical values

In the embodiment of the present invention, in order to improve the diversity of usage ways of accumulated numerical values, a virtual resource exchange function of accumulated numerical values may be further provided, which specifically includes the following steps 4a to 4 d:

step 4 a: and if the first user terminal detects the virtual resource exchange operation of the accumulated numerical value within the preset time, displaying a plurality of virtual resources.

The first user terminal may display the redemption options of the virtual resources in the relevant interface for accumulating the numerical values (e.g., the detail interface for accumulating the numerical values), and when the first user terminal detects the triggering operation of the redemption options, the plurality of virtual resources are displayed. Wherein the first user can display the plurality of virtual resources in the virtual resource redemption page at the terminal. Fig. 2K is a schematic diagram of an interface for virtual resource redemption, in which fig. 2K (a) is a schematic diagram of a display showing the redemption option in a detail interface for accumulating numerical values, and the redemption option shown in fig. 2K (a) is a link with a text "click here to redeem virtual resource"; fig. 2 (b) is a virtual resource redemption page, in which the types and corresponding numbers of virtual resources to be redeemed can be selected.

The virtual resource may be a voucher specifying that the second user has a different value, one or more random decrements. The virtual resource may have a use period, for example, the use period may be used within 30 days after the virtual resource is redeemed, or the use period may be a period with a specified date, for example, the use period is from 9 months 1 day to 9 months 30 days, and the like, which is not limited in this embodiment of the present invention.

And 4 b: the first user terminal obtains at least one target virtual resource from the plurality of virtual resources, and sends a virtual resource exchange request to the server according to the resource type and the number to be exchanged of the at least one virtual resource.

The resource type of the virtual resource may include a voucher, a random opportunity to decline, and the like. For the same virtual resource, the first user can select the number to be redeemed, namely the number to be redeemed.

And 4 c: after receiving the virtual resource exchange request of the first user, the server acquires the exchange value of at least one target virtual resource according to the resource type and the number to be exchanged of at least one target virtual resource.

According to the resource types and the number to be redeemed of the different target virtual resources, the server can calculate the redemption value of the at least one virtual resource to be redeemed. For example, the at least one target virtual resource includes a 5-dollar voucher and a random decreasing opportunity, and assuming that the random decreasing opportunity needs to be redeemed by a 2-dollar value, the redeemed value of the at least one target virtual resource is 7-dollar.

And 4 d: and if the server determines that the accumulated value of the first user is not less than the exchange value, deducting the exchange value from the accumulated value of the first user, and issuing at least one target virtual resource to the first user.

The server can obtain the accumulated value of the first user, judge whether the accumulated value is not smaller than the exchange value, if not, deduct the exchange value from the accumulated value of the first user, and correspondingly store the at least one target virtual resource and the first user. When the first user subsequently performs value transfer, the acquired virtual resource may be selected. And if the accumulated value of the first user is smaller than the exchange value, rejecting the virtual resource exchange request and feeding back a rejection reason to the first user terminal, wherein the rejection reason may be that the accumulated value is insufficient, for example. For example, if the redemption value of the at least one target virtual resource is 7 yuan, when the accumulated value of the first user is greater than or equal to 7 yuan, the step of deducting the redemption value from the accumulated value of the first user and issuing the at least one target virtual resource to the first user is performed.

According to the method provided by the embodiment of the invention, at least one numerical value for accumulation can be issued to the buyer user through multiple numerical value transfers of the buyer user within a certain time period to obtain the accumulated numerical value of the buyer user, and the accumulated numerical value can be used for deducting the numerical value required to be transferred to the seller user, so that the buyer user can be stimulated to carry out multiple consumptions within a certain time period, the times of service processing are increased, and the efficiency of service processing is improved.

Fig. 3 is a block diagram of a service processing apparatus according to an embodiment of the present invention. Referring to fig. 3, the apparatus includes a receiving module 301, a first obtaining module 302, and a value transferring module 303.

The receiving module 301 is connected to the first obtaining module 302, and configured to receive a value transfer request, where the value transfer request is used to instruct a first user to transfer a first value to a second user, and the second user is used to provide a service for the first user; the first obtaining module 302 is connected to the value transferring module 303, and is configured to obtain an accumulated value of the first user if the current time reaches a preset time, where the accumulated value is obtained by the first user through at least one value transfer within a specified activity time period; a value transferring module 303, configured to transfer a value between the first user and the second user according to the first value and the accumulated value of the first user.

In one possible implementation, the apparatus further includes: and the numerical value issuing module is used for issuing a second numerical value to the first user after executing the numerical value transfer operation corresponding to the numerical value transfer request if the current time is within the specified activity time period and the preset time is not reached.

In one possible implementation, the apparatus further includes:

The first judgment module is used for judging whether the numerical value transfer times of the second user based on the accumulated numerical value in the appointed activity time period exceed the preset transfer times of the second user or not; if the preset transfer times of the second user are not exceeded, executing the step of acquiring the accumulated numerical value of the first user; and if the preset transfer times of the second user are exceeded, executing the numerical value transfer operation corresponding to the numerical value transfer request.

In one possible implementation, the preset number of times of transfer of the second user is determined according to the credit investigation level of the second user.

In one possible implementation, the value transfer module is configured to determine a deduction value; determining the difference value between the first value and the deduction value as an actual transfer value; deducting the deduction value from the accumulated value of the first user, and transferring the deduction value to the second user from the designated account; the actual transfer value is transferred from the first user's account to the second user.

In one possible implementation, the value transfer module is configured to determine the accumulated value of the first user as a deduction value if the first value is greater than the accumulated value of the first user; or, if the first value is less than the accumulated value of the first user, determining the first value as a deduction value; or, if the first value is smaller than the accumulated value of the first user, determining the preset percentage of the first value as a deduction value; or determining a deduction value according to the credit investigation level of the second user and the accumulated value of the first user, wherein the deduction value is not larger than the accumulated value of the first user, and the credit investigation level of the second user and the deduction value have positive correlation.

In one possible implementation, the apparatus further includes:

the generating module is used for generating a payment success message, and the payment success message comprises an actual transfer value and a deduction value; and the first sending module is used for sending a payment success message to the first user terminal, and the first user terminal displays the actual transfer value and the actual deduction value.

In one possible implementation, the apparatus further includes:

the second obtaining module is used for obtaining a conversion value of at least one target virtual resource according to the resource type and the number to be converted of the at least one target virtual resource if the virtual resource conversion request of the first user is received within the preset time, wherein the virtual resource conversion request is used for converting the at least one target virtual resource;

and the virtual resource issuing module is used for deducting the exchange value from the accumulated value of the first user and issuing at least one target virtual resource to the first user if the accumulated value of the first user is not less than the exchange value.

In one possible implementation, the apparatus further includes:

the second judgment module is used for judging whether the value transfer request is the first value transfer request of the first user in the current sub-time period or not if the current time is within any sub-time period of the specified activity time period and the preset time is not reached; if so, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, a step of issuing a second numerical value to the first user is executed; or, if the current time is within any sub-time period of the specified activity time period and the preset time is not reached, judging whether the value transfer request is a first value transfer request of the first user for transferring the value to the second user within the current sub-time period; if so, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, the step of issuing the second numerical value to the first user is executed.

In a possible implementation manner, the value issuing module is configured to randomly generate a first resource package based on a designated account according to a target quota value and an accumulated value of a first user, where the first resource package is configured to provide a second value that can be used at a preset time, and store the second value in correspondence with the first user; or acquiring a second resource package from the plurality of resource packages of the designated account according to the target quota value and the accumulated value of the first user, wherein the second resource package is used for providing a second value which can be used in preset time, and storing the second value in correspondence with the first user; or, a third resource package is randomly generated, the third resource package is used for providing a second numerical value which can be used at any time, and the second numerical value is added to the account of the first user.

In one possible implementation, the apparatus further includes:

and the second sending module is used for sending a numerical value accumulation message to the first user, wherein the numerical value accumulation message comprises a second numerical value and an accumulated numerical value of the first user, and the second numerical value and the accumulated numerical value of the first user are displayed by the first user terminal.

In one possible implementation, the apparatus further includes:

the third acquisition module is used for acquiring at least one third user from the user relationship chain of the first user, wherein the at least one third user is a user not participating in the specified activity;

And the third sending module is used for sending an activity recommendation prompting message containing at least one third user to the first user terminal, and the first user carries out recommendation of specified activities to the at least one third user according to the activity recommendation prompting message.

In one possible implementation, the apparatus further includes:

the value transfer module is used for determining a first target user indicated by a first transfer request when the first transfer request of the first user for the accumulated value of the first user is received; if the first target user does not receive the transfer of the accumulation value within the designated activity time period, transferring the accumulation value of the first user to the accumulation value of the first target user; or when a second transfer request of a second numerical value acquired by the first user for any sub-time period is received, determining a second target user indicated by the second transfer request; if the second target user does not accumulate the numerical value in the corresponding time period, transferring the second numerical value acquired by the first user in the sub-time period to the accumulated numerical value of the second target user;

and the accumulated value of the first user is smaller than the first transfer threshold value, and the second value transferred by the first user is smaller than the second transfer threshold value.

In one possible implementation, the second user is included in a designated user list for storing a plurality of second users who can use the accumulated value.

According to the device provided by the embodiment of the disclosure, at least one value used for accumulation can be issued to the first user through multiple value transfer of the first user within a certain time period to obtain the accumulated value of the first user, and the accumulated value can be used for completely deducting the value required to be transferred to the second user, so that a buyer user can be stimulated to consume for multiple times within a certain time period, the times of service processing are increased, and the efficiency of service processing is improved.

Fig. 4 is a block diagram of a service processing apparatus according to an embodiment of the present invention. Referring to fig. 4, the apparatus includes a transmitting module 401 and a display module 402.

The sending module 401 is connected to the display module 402, and is configured to send a value transfer request to a server, where the value transfer request is used to instruct a first user to transfer a first value to a second user, and when it is determined that the current time reaches a preset time, the server performs value transfer according to an accumulated value of the first user, where the accumulated value of the first user is obtained by the first user through at least one value transfer in a specified activity time period; the display module 402 is configured to display an actual transfer value and a deduction value of the first user in the value transfer process after receiving the payment success message.

In one possible implementation, the apparatus further includes:

the receiving module is used for receiving a numerical value accumulation message of the server, wherein the numerical value accumulation message comprises a second numerical value and an accumulated numerical value of the first user, and the numerical value accumulation message is returned after the server sends the second numerical value to the first user when the current time is determined to be within the specified activity time period and the preset time is not reached;

and the display module is used for displaying the second numerical value and the accumulated numerical value of the first user.

In one possible implementation, the apparatus further includes:

the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring at least one numerical value acquired by a first user in a specified activity time period from a server when the acquisition record viewing operation of the accumulated numerical value of the first user is detected;

the display module is further used for displaying at least one numerical value according to the time sequence.

In one possible implementation, the apparatus further includes:

the display module is further used for displaying at least one third user when receiving an activity recommendation prompting message of the server, wherein the activity recommendation message comprises the at least one third user, and the at least one third user is a user who does not participate in the specified activity in the user relationship chain of the first user;

And the recommending module is used for recommending the appointed activity to at least one third user according to the recommending confirmation operation of the at least one third user.

In one possible implementation, the apparatus further includes:

the display module is further used for displaying a user relationship chain of the first user when the transfer operation of the accumulated numerical value is detected in the appointed activity time period; the sending module is further used for sending a first transfer request to the server according to the first target user determined in the user relationship chain; or the like, or, alternatively,

the display module is further used for displaying a user relationship chain of the first user when the transfer operation of any value for accumulation is detected in the appointed activity time period; the sending module is further used for sending a second transfer request to the server according to a second target user determined in the user relationship chain.

In one possible implementation, the apparatus further includes:

the display module is also used for displaying a plurality of virtual resources if the virtual resource exchange operation of the accumulated numerical value is detected within the preset time;

the second acquisition module is used for acquiring at least one target virtual resource from the plurality of virtual resources and according to the resource type and the number to be exchanged of the at least one virtual resource;

The sending module is further used for sending the virtual resource exchange request to the server.

It should be noted that: in the service processing apparatus provided in the foregoing embodiment, when processing a service, only the division of the functional modules is illustrated, and in practical applications, the function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the service processing apparatus and the service triggering processing method provided by the above embodiments belong to the same concept, and specific implementation processes thereof are detailed in the method embodiments and are not described herein again.

Fig. 5 is a schematic structural diagram of a terminal according to an embodiment of the present invention, where the terminal may be configured to execute the service processing methods provided in the foregoing embodiments. Referring to fig. 5, the terminal 500 includes:

The terminal 500 may include RF (Radio Frequency) circuitry 110, memory 120 including one or more computer-readable storage media, an input unit 130, a display unit 140, a sensor 150, an audio circuit 160, a WiFi (Wireless Fidelity) module 170, a processor 180 including one or more processing cores, and a power supply 190. Those skilled in the art will appreciate that the terminal structure shown in fig. 5 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the RF circuit 110 may be used for receiving and transmitting signals during information transmission and reception or during a call, and in particular, receives downlink information from a base station and then sends the received downlink information to the one or more processors 180 for processing; in addition, data relating to uplink is transmitted to the base station. In general, the RF circuitry 110 includes, but is not limited to, an antenna, at least one Amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, an LNA (Low Noise Amplifier), a duplexer, and the like. In addition, the RF circuitry 110 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System for Mobile communications), GPRS (General Packet Radio Service), CDMA (Code Division Multiple Access), WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), email, SMS (Short Messaging Service), and the like.

The memory 120 may be used to store software programs and modules, and the processor 180 executes various functional applications and data processing by operating the software programs and modules stored in the memory 120. The memory 120 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the terminal 500, and the like. Further, the memory 120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 120 may further include a memory controller to provide the processor 180 and the input unit 130 with access to the memory 120.

The input unit 130 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control. In particular, the input unit 130 may include a touch-sensitive surface 131 as well as other input devices 132. The touch-sensitive surface 131, also referred to as a touch display screen or a touch pad, may collect touch operations by a user on or near the touch-sensitive surface 131 (e.g., operations by a user on or near the touch-sensitive surface 131 using a finger, a stylus, or any other suitable object or attachment), and drive the corresponding connection device according to a predetermined program. Alternatively, the touch sensitive surface 131 may comprise two parts, a touch detection means and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 180, and can receive and execute commands sent by the processor 180. Additionally, the touch-sensitive surface 131 may be implemented using various types of resistive, capacitive, infrared, and surface acoustic waves. In addition to the touch-sensitive surface 131, the input unit 130 may also include other input devices 132. In particular, other input devices 132 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 140 may be used to display information input by or provided to a user and various graphical user interfaces of the terminal 500, which may be made up of graphics, text, icons, video, and any combination thereof. The Display unit 140 may include a Display panel 141, and optionally, the Display panel 141 may be configured in the form of an LCD (Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), or the like. Further, the touch-sensitive surface 131 may cover the display panel 141, and when a touch operation is detected on or near the touch-sensitive surface 131, the touch operation is transmitted to the processor 180 to determine the type of the touch event, and then the processor 180 provides a corresponding visual output on the display panel 141 according to the type of the touch event. Although in FIG. 5, touch-sensitive surface 131 and display panel 141 are shown as two separate components to implement input and output functions, in some embodiments, touch-sensitive surface 131 may be integrated with display panel 141 to implement input and output functions.

The terminal 500 can also include at least one sensor 150, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display panel 141 according to the brightness of ambient light, and a proximity sensor that may turn off the display panel 141 and/or a backlight when the terminal 500 is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when the mobile phone is stationary, and can be used for applications of recognizing the posture of the mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured in the terminal 500, detailed descriptions thereof are omitted.

Audio circuitry 160, speaker 161, and microphone 162 may provide an audio interface between a user and terminal 500. The audio circuit 160 may transmit the electrical signal converted from the received audio data to the speaker 161, and convert the electrical signal into a sound signal for output by the speaker 161; on the other hand, the microphone 162 converts the collected sound signal into an electric signal, converts the electric signal into audio data after being received by the audio circuit 160, and then outputs the audio data to the processor 180 for processing, and then to the RF circuit 110 to be transmitted to, for example, another terminal, or outputs the audio data to the memory 120 for further processing. The audio circuit 160 may also include an earbud jack to provide communication of peripheral headphones with the terminal 500.

WiFi belongs to a short-distance wireless transmission technology, and the terminal 500 can help a user send and receive e-mails, browse web pages, access streaming media, and the like through the WiFi module 170, and it provides wireless broadband internet access for the user. Although fig. 5 shows the WiFi module 170, it is understood that it does not belong to the essential constitution of the terminal 500 and can be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 180 is a control center of the terminal 500, connects various parts of the entire handset using various interfaces and lines, and performs various functions of the terminal 500 and processes data by operating or executing software programs and/or modules stored in the memory 120 and calling data stored in the memory 120, thereby performing overall monitoring of the handset. Optionally, processor 180 may include one or more processing cores; preferably, the processor 180 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 180.

The terminal 500 further includes a power supply 190 (e.g., a battery) for supplying power to the various components, which may preferably be logically connected to the processor 180 via a power management system, such that functions of managing charging, discharging, and power consumption are performed via the power management system. The power supply 190 may also include any component including one or more of a dc or ac power source, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.

Although not shown, the terminal 500 may further include a camera, a bluetooth module, etc., which will not be described herein. In this embodiment, the display unit of the terminal is a touch screen display, and the terminal further includes a memory and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the one or more processors. The one or more programs include executable instructions that the terminal 500 is configured to execute to perform the methods performed by the terminal in the embodiments of the service processing method described above.

Fig. 6 is a block diagram of a service processing apparatus according to an embodiment of the present invention. For example, the apparatus 600 may be provided as a server. Referring to fig. 6, the apparatus 600 includes a processing component 622 that further includes one or more processors and memory resources, represented by memory 632, for storing instructions, such as applications, that are executable by the processing component 622. The application programs stored in memory 632 may include one or more modules that each correspond to a set of instructions. Further, the processing component 622 is configured to execute instructions to perform the method performed by the server in the business process method embodiment described above.

The apparatus 600 may also include a power component 626 configured to perform power management of the apparatus 600, a wired or wireless network interface 650 configured to connect the apparatus 600 to a network, and an input/output (I/O) interface 658. The apparatus 600 may operate based on an operating system stored in the memory 632E.g. Windows Server^TM，Mac OS X^TM，Unix^TM,Linux^TM，FreeBSD^TMOr the like.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

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

the method comprises the steps that a server receives a numerical value transfer request triggered based on a first payment interface, wherein the numerical value transfer request carries a user identifier of a first user, a user identifier of a second user and a first numerical value, and the second user is used for providing service for the first user;

The server judges whether the current time reaches a preset time or not;

if the current time reaches the preset time, the server acquires an accumulated numerical value stored corresponding to the user identifier of the first user, and the accumulated numerical value is issued by the server based on at least one numerical value transfer of the first user within the activity time;

the server carries out value transfer between the value correspondingly stored by the user identifier of the first user and the value correspondingly stored by the user identifier of the second user according to the first value and the accumulated value correspondingly stored by the user identifier of the first user;

the server generates a payment success message and sends the payment success message to the first user terminal, wherein the payment success message comprises an actual transfer value and a deduction value, and the payment success message is used for displaying detailed information of the payment of the first user at the first user terminal.

2. The method of claim 1, wherein after the server receives the value transfer request triggered based on the first payment interface, the method further comprises:

and if the current time is within the activity time and the preset time is not reached, the server issues a second numerical value to the user identifier of the first user after executing the numerical value transfer operation corresponding to the numerical value transfer request.

3. The method of claim 1, wherein prior to the server obtaining the accumulated value stored in correspondence with the user identification of the first user, the method further comprises:

the server judges whether the number of times of numerical value transfer based on the accumulated numerical value of the second user in the activity time exceeds the preset number of times of transfer of the second user;

if the preset transfer times of the second user are not exceeded, the server executes a step of acquiring an accumulated numerical value stored corresponding to the user identifier of the first user;

and if the preset transfer times of the second user are exceeded, the server executes the numerical value transfer operation corresponding to the numerical value transfer request.

4. The method of claim 1, wherein the server performing a value transfer between the value stored in correspondence with the user identifier of the first user and the value stored in correspondence with the user identifier of the second user according to the first value and the accumulated value stored in correspondence with the user identifier of the first user comprises:

the server determines the deduction value;

the server determines the difference value between the first numerical value and the deduction numerical value as the actual transfer numerical value;

The server deducts the deduction value from the accumulated value stored correspondingly to the user identifier of the first user, and transfers the deduction value to the second user from the designated account;

and the server transfers the actual transfer value to the second user from the values stored correspondingly to the user identification of the first user.

5. The method of claim 4, wherein the server determining the deduction value comprises:

if the first numerical value is larger than the accumulated numerical value correspondingly stored by the user identifier of the first user, the server determines the accumulated numerical value correspondingly stored by the user identifier of the first user as the deduction numerical value; or the like, or, alternatively,

if the first numerical value is smaller than the accumulated numerical value correspondingly stored by the user identification of the first user, the server determines the first numerical value as the deduction numerical value; or the like, or, alternatively,

if the first numerical value is smaller than the accumulated numerical value correspondingly stored by the user identifier of the first user, the server determines the preset percentage of the first numerical value as the deduction numerical value; or the like, or, alternatively,

and the server determines the deduction value according to the credit investigation level of the second user and the accumulated value correspondingly stored by the user identifier of the first user, wherein the deduction value is not greater than the accumulated value correspondingly stored by the user identifier of the first user, and the credit investigation level of the second user and the deduction value have forward correlation.

6. The method of claim 1, further comprising:

if the virtual resource exchange request of the first user is received within the preset time, the server acquires an exchange value of at least one target virtual resource according to the resource type and the number to be exchanged of the at least one target virtual resource, wherein the virtual resource exchange request is used for exchanging the at least one target virtual resource;

and if the accumulated value stored corresponding to the user identifier of the first user is not smaller than the exchange value, the server deducts the exchange value from the accumulated value stored corresponding to the user identifier of the first user, and the at least one target virtual resource is issued to the first user.

7. The method of claim 2, wherein prior to issuing the second value to the user identification of the first user, the method further comprises:

if the current time is within any sub-time period of the activity time and the preset time is not reached, the server judges whether the value transfer request is the first value transfer request of the first user within the current sub-time period; if yes, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, a step of issuing a second numerical value to the user identifier of the first user is executed; or the like, or, alternatively,

If the current time is within any sub-time period of the activity time and the preset time is not reached, the server judges whether the value transfer request is a first value transfer request of the first user for transferring the value to the second user within the current sub-time period; if so, after executing the numerical value transfer operation corresponding to the numerical value transfer request, executing a step of issuing a second numerical value to the user identifier of the first user.

8. The method of claim 2, wherein said issuing a second value to the user identification of the first user comprises:

the server randomly generates a first resource packet based on a designated account according to a target quota value and an accumulated value correspondingly stored by the user identifier of the first user, wherein the first resource packet is used for providing a second value which can be used in the preset time, and the second value is correspondingly stored with the user identifier of the first user; or the like, or, alternatively,

the server acquires a second resource package from the plurality of resource packages of the specified account according to the target quota value and the accumulated value of the first user, wherein the second resource package is used for providing a second value which can be used in the preset time, and the second value is correspondingly stored with the user identifier of the first user; or the like, or, alternatively,

And the server randomly generates a third resource packet, wherein the third resource packet is used for providing a second numerical value which can be used at any time, and the second numerical value is added to a numerical value which is correspondingly stored in the user identification of the first user.

9. The method of claim 2, wherein after issuing the second value to the user identification of the first user, the method further comprises:

the server acquires at least one third user from the user relationship chain of the first user, wherein the at least one third user is a user not participating in the specified activity;

and the server sends an activity recommendation prompting message containing the at least one third user to the first user terminal, and the first user recommends the specified activity to the at least one third user according to the activity recommendation prompting message.

10. The method of claim 2, further comprising:

when a first transfer request of a first user for a user identifier of the first user, corresponding to a stored accumulated numerical value, is received, the server determines a first target user indicated by the first transfer request; if the first target user does not receive the transfer of the accumulation numerical value within the activity time, the server transfers the accumulation numerical value stored corresponding to the user identifier of the first user to the accumulation numerical value of the first target user; or the like, or, alternatively,

When a second transfer request of a second numerical value acquired by the first user for any sub-time period is received, the server determines a second target user indicated by the second transfer request; if the second target user does not accumulate the numerical value in the corresponding time period, the server transfers the second numerical value acquired by the first user in the sub-time period to the accumulated numerical value of the second target user;

and the accumulated value correspondingly stored by the user identifier of the first user is smaller than a first transfer threshold, and the second value transferred by the first user is smaller than a second transfer threshold.

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

the terminal displays a first payment interface for paying to a second user, and acquires a first numerical value through the first payment interface;

the terminal triggers a numerical value transfer request based on the payment option of the first payment interface, and sends the numerical value transfer request to a server, wherein the numerical value transfer request is used for indicating that the first numerical value is transferred to the second user from numerical values stored correspondingly to the user identification of the first user;

after receiving the message of successful payment, the terminal displays an actual transfer value and a deduction value corresponding to the user identifier of the first user in the value transfer process, the deduction value is determined by an accumulated value correspondingly stored based on the user identifier of the first user when the current time of the server reaches a preset time, and the accumulated value is transferred and issued by the server at least once based on the value of the first user in the activity time.

12. The method of claim 11, wherein after the terminal triggers a value transfer request based on the payment options of the first payment interface, the method further comprises:

the terminal receives a numerical value accumulation message of the server, wherein the numerical value accumulation message comprises a second numerical value and an accumulated numerical value stored corresponding to the user identifier of the first user, and the numerical value accumulation message is returned after the server issues the second numerical value to the user identifier of the first user when the current time is determined to be within the activity time and the preset time is not reached;

the terminal displays the second numerical value and an accumulated numerical value correspondingly stored by the user identification of the first user;

when detecting the operation of viewing the acquisition record of the accumulated numerical values stored corresponding to the user identification of the first user, the terminal acquires at least one numerical value acquired by the first user in the activity time from a server;

and the terminal displays the at least one numerical value according to the time sequence.

13. The method according to claim 11 or 12, characterized in that the method further comprises:

when receiving an activity recommendation prompting message of the server, the terminal displays at least one third user, wherein the activity recommendation message comprises the at least one third user, and the at least one third user is a user who does not participate in a specified activity in the user relationship chain of the first user;

And the terminal recommends the appointed activity to the at least one third user according to the recommendation confirmation operation of the at least one third user.

14. The method of claim 11, further comprising:

when the transfer operation of the accumulated numerical value is detected in the activity time, the terminal displays a user relation chain of the first user; sending a first transfer request to the server according to the first target user determined in the user relationship chain; or the like, or, alternatively,

displaying, by the terminal, a user relationship chain of the first user when an assignment operation to any one of the values for accumulation is detected during the active time; and sending a second transfer request to the server according to a second target user determined in the user relationship chain.

15. The method of claim 11, further comprising:

if the virtual resource exchange operation of the accumulated numerical value is detected within the preset time, the terminal displays a plurality of virtual resources;

and the terminal acquires at least one target virtual resource from the plurality of virtual resources and sends a virtual resource exchange request to the server according to the resource type and the number to be exchanged of the at least one virtual resource.

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

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a numerical value transferring request triggered based on a first payment interface, the numerical value transferring request carries a user identifier of a first user, a user identifier of a second user and a first numerical value, and the second user is used for providing service for the first user;

the device is also used for judging whether the current time reaches the preset time;

a first obtaining module, configured to obtain an accumulated numerical value stored in correspondence with a user identifier of the first user if the current time reaches a preset time, where the accumulated numerical value is issued by the server based on at least one numerical value transfer of the first user within an activity time;

a value transfer module, configured to perform value transfer between a value stored correspondingly to the user identifier of the first user and a value stored correspondingly to the user identifier of the second user according to the first value and an accumulated value stored correspondingly to the user identifier of the first user;

the device is further used for generating a payment success message and sending the payment success message to the first user terminal, wherein the payment success message comprises an actual transfer value and a deduction value, and the payment success message is used for displaying detailed information of the payment of the first user at the first user terminal.

17. The apparatus of claim 16, further comprising:

and the numerical value issuing module is used for issuing a second numerical value to the user identifier of the first user after executing the numerical value transfer operation corresponding to the numerical value transfer request if the current time is within the activity time and the preset time is not reached.

18. The apparatus of claim 16, further comprising:

the first judgment module is used for judging whether the number of times of numerical value transfer based on the accumulated numerical value of the second user in the activity time exceeds the preset number of times of transfer of the second user; if the preset transfer times of the second user are not exceeded, executing the step of acquiring an accumulated numerical value stored corresponding to the user identifier of the first user; and if the preset transfer times of the second user are exceeded, executing the numerical value transfer operation corresponding to the numerical value transfer request.

19. The apparatus of claim 16, wherein the value transfer module is configured to determine the offset value; determining the difference value between the first value and the deduction value as the actual transfer value; deducting the deduction value from the accumulated value correspondingly stored by the user identifier of the first user, and transferring the deduction value to the second user from the designated account; and transferring the actual transfer value to the second user from the values stored correspondingly to the user identification of the first user.

20. The apparatus according to claim 19, wherein the value transferring module is configured to determine the accumulated value corresponding to the subscriber identity of the first subscriber as the deduction value if the first value is greater than the accumulated value corresponding to the subscriber identity of the first subscriber; or, if the first value is smaller than the accumulated value correspondingly stored by the user identifier of the first user, determining the first value as the deduction value; or, if the first value is smaller than the accumulated value correspondingly stored by the user identifier of the first user, determining the preset percentage of the first value as the deduction value; or, determining the deduction value according to the credit investigation level of the second user and the accumulated value correspondingly stored by the user identifier of the first user, wherein the deduction value is not greater than the accumulated value correspondingly stored by the user identifier of the first user, and the credit investigation level of the second user and the deduction value have forward correlation.

21. The apparatus of claim 16, further comprising:

a second obtaining module, configured to obtain, if a virtual resource exchange request of the first user is received within the preset time, an exchange value of at least one target virtual resource according to a resource type and a number to be exchanged of the at least one target virtual resource, where the virtual resource exchange request is used to exchange the at least one target virtual resource;

And the virtual resource issuing module is used for deducting the exchange value from the accumulated value correspondingly stored by the user identifier of the first user and issuing the at least one target virtual resource to the first user if the accumulated value correspondingly stored by the user identifier of the first user is not less than the exchange value.

22. The apparatus of claim 17, further comprising:

a second judging module, configured to, if the current time is within any sub-time period of the active time and the preset time is not reached, judge whether the value transfer request is a first value transfer request of the first user within the current sub-time period; if yes, after the numerical value transfer operation corresponding to the numerical value transfer request is executed, a step of issuing a second numerical value to the user identifier of the first user is executed; or, if the current time is within any sub-time period of the activity time and the preset time is not reached, judging whether the value transfer request is a first value transfer request for transferring the value from the first user to the second user within the current sub-time period; if so, after executing the numerical value transfer operation corresponding to the numerical value transfer request, executing a step of issuing a second numerical value to the user identifier of the first user.

23. The apparatus according to claim 17, wherein the value issuing module is configured to randomly generate a first resource package based on a specific account according to a target quota value and a cumulative value stored in correspondence with the user identifier of the first user, the first resource package is configured to provide a second value that can be used at the preset time, and the second value is stored in correspondence with the user identifier of the first user; or, according to the target quota value and the accumulated value of the first user, obtaining a second resource package from the plurality of resource packages of the specified account, where the second resource package is used to provide a second value that can be used in the preset time, and storing the second value in correspondence with the user identifier of the first user; or, randomly generating a third resource package, where the third resource package is used to provide a second numerical value that can be used at any time, and adding the second numerical value to a numerical value stored in correspondence with the user identifier of the first user.

24. The apparatus of claim 17, further comprising:

a third obtaining module, configured to obtain at least one third user from the user relationship chain of the first user, where the at least one third user is a user who does not participate in a specified activity;

And the sending module is used for sending an activity recommendation prompting message containing the at least one third user to the first user terminal, and the first user recommends the specified activity to the at least one third user according to the activity recommendation prompting message.

25. The apparatus of claim 17, further comprising:

the value transfer module is used for determining a first target user indicated by a first transfer request when the first transfer request of the first user for the accumulated value stored corresponding to the user identifier of the first user is received; if the first target user does not receive the transfer of the accumulation numerical value within the activity time, transferring the accumulation numerical value correspondingly stored by the user identifier of the first user to the accumulation numerical value of the first target user; or when a second transfer request of a second numerical value acquired by the first user for any sub-time period is received, determining a second target user indicated by the second transfer request; if the second target user does not accumulate the numerical value in the corresponding time period, transferring the second numerical value acquired by the first user in the sub-time period to the accumulated numerical value of the second target user;

26. A traffic processing apparatus, characterized in that,

the device is used for displaying a first payment interface for paying to a second user, and acquiring a first numerical value through the first payment interface;

the device is further configured to trigger a value transfer request based on the payment option of the first payment interface;

the device comprises:

a sending module, configured to send the value transfer request to a server, where the value transfer request is used to instruct to transfer the first value to the second user from values stored in correspondence with a user identifier of the first user;

the display module is used for displaying an actual transfer value and a deduction value corresponding to the user identifier of the first user in the value transfer process after receiving the payment success message;

the deduction value is determined by the server based on the accumulated value correspondingly stored by the user identifier of the first user when the current time reaches the preset time, and the accumulated value of the first user is transferred and issued by the server within the activity time based on at least one value of the first user.

27. The apparatus of claim 26, further comprising:

a receiving module, configured to receive a numerical value accumulation message of the server, where the numerical value accumulation message includes an accumulated numerical value stored in correspondence with a second numerical value and the user identifier of the first user, and the numerical value accumulation message is returned after the server issues the second numerical value to the user identifier of the first user when it is determined that the current time is within the activity time and the preset time is not reached;

the display module is used for displaying the second numerical value and the accumulated numerical value correspondingly stored by the user identifier of the first user;

a first obtaining module, configured to obtain, from a server, at least one numerical value obtained by the first user within the activity time when an obtaining record viewing operation of an accumulated numerical value stored in correspondence to a user identifier of the first user is detected;

the display module is further configured to display the at least one numerical value according to a time sequence.

28. The apparatus of claim 26 or 27, further comprising:

the display module is further configured to display at least one third user when receiving an activity recommendation prompting message of the server, where the activity recommendation message includes the at least one third user, and the at least one third user is a user who does not participate in a specified activity in the user relationship chain of the first user;

And the recommending module is used for recommending the appointed activity to the at least one third user according to the recommending confirmation operation of the at least one third user.

29. The apparatus of claim 26, further comprising:

the display module is further used for displaying the user relationship chain of the first user when the transfer operation of the accumulated numerical value is detected in the activity time; the sending module is further used for sending a first transfer request to the server according to the first target user determined in the user relationship chain; or the like, or, alternatively,

the display module is further used for displaying the user relationship chain of the first user when the transfer operation of any numerical value for accumulation is detected in the activity time; the sending module is further configured to send a second assignment request to the server according to a second target user determined in the user relationship chain.

30. The apparatus of claim 26, further comprising:

the display module is further used for displaying a plurality of virtual resources if the virtual resource exchange operation of the accumulated numerical value is detected within the preset time;

The second acquisition module is used for acquiring at least one target virtual resource from the plurality of virtual resources and according to the resource type and the number to be exchanged of the at least one virtual resource; the sending module is further used for sending the virtual resource exchange request to the server.

31. A terminal comprising one or more memories, one or more processors, and executable instructions stored in the one or more memories and configured to be executed by the one or more processors to perform operations performed by the traffic processing method according to any one of claims 11 to 15.

32. A transaction device comprising one or more memories, one or more processors, and executable instructions stored in the one or more memories and configured to be executed by the one or more processors to perform operations performed by the transaction method according to any one of claims 1 to 10.

33. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor to perform operations performed by a business process method according to any one of claims 1 to 15.