CN107967607A - A kind of processing method, device, server and the storage medium of transaction credit amount - Google Patents
A kind of processing method, device, server and the storage medium of transaction credit amount Download PDFInfo
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- CN107967607A CN107967607A CN201711349567.XA CN201711349567A CN107967607A CN 107967607 A CN107967607 A CN 107967607A CN 201711349567 A CN201711349567 A CN 201711349567A CN 107967607 A CN107967607 A CN 107967607A
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- lifting
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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Abstract
The embodiment of the invention discloses a kind of processing method, device, server and the storage medium of transaction credit amount, wherein the described method includes：Obtain the lifting request of the transaction credit amount of user；Asked according to the lifting, determine the disbursement letter expense bill that transaction credit amount is lifted；When payment of the definite completion disbursement letter with expense bill, the lifting Quota distribution of the transaction credit amount is given to the user.Processing method, device, server and the storage medium for a kind of transaction credit amount that the embodiment of the present invention passes through offer, can reduce the risk that exchange company undertakes.
Description
Technical field
The present embodiments relate to network trading technical field, more particularly to a kind of processing method of transaction credit amount,
Device, server and storage medium.
Background technology
With the development of science and technology, user is often disappeared by the transaction credit amount provided in transaction software to pay in advance now
To take, then current urgent consumption is met by the pattern of refund, such a trade mode provides larger facility to life now,
But also receive huge test.
In the method for commerce of existing offer, when the transaction credit amount of user is not enough to pay the expense in current transaction
When, transaction can be caused to terminate, the problem of inconvenient is brought to user.If directly lifting transaction credit amount to user, also deposit
In problems.Specifically, when the official website of transaction software does not confirm the credit identity of user, the transaction of user is just lifted
Credit line, can cause the poor user of credit to refund on time after consumption is paid in advance, cause exchange company to lose, and
It is risky to undertake institute, is unfavorable for the long-term stability development of exchange company.
The content of the invention
The embodiment of the present invention provides a kind of processing method, device, server and the storage medium of transaction credit amount, can drop
The risk that low exchange company undertakes.
In a first aspect, an embodiment of the present invention provides a kind of processing method of transaction credit amount, this method includes：
Obtain the lifting request of the transaction credit amount of user；
Asked according to the lifting, determine the disbursement letter expense bill that transaction credit amount is lifted；
When payment of the definite completion disbursement letter with expense bill, by the lifting amount point of the transaction credit amount
User described in dispensing.
Second aspect, the embodiment of the present invention additionally provide a kind of processing unit of transaction credit amount, which includes：
Acquisition request module is lifted, the lifting request of the transaction credit amount for obtaining user；
Expense bill determining module, for being asked according to the lifting, determines the payment that transaction credit amount is lifted
Credit expense bill；
Quota distribution module is lifted, for when determining to complete the disbursement letter with the payment of expense bill, by the friendship
The lifting Quota distribution of easy credit line gives the user.
The third aspect, the embodiment of the present invention additionally provide a kind of server, and the server includes：
One or more processors；
Storage device, for storing one or more programs,
When one or more of programs are performed by one or more of processors so that one or more of processing
Device realizes the processing method of transaction credit amount as described above.
Fourth aspect, the embodiment of the present invention additionally provide a kind of computer-readable recording medium, are stored thereon with computer
Program, the program realize the processing method of transaction credit amount as described above when being executed by processor.
The processing method of transaction credit amount provided in an embodiment of the present invention, the transaction credit amount proposed according to user
Lifting request, determines the disbursement letter expense bill that transaction credit amount is lifted, user pays expense bill, as amount
Commercialization pattern new exploration, reduce the risk that exchange company undertakes, while beneficial to company's development steady in a long-term；When with
When the payment of payment expense bill is completed at family, then the lifting amount of transaction credit amount is distributed into user in real time, easy to user
Order is continued to complete, strengthens user experience.
Brief description of the drawings
Fig. 1 is the flow chart of the transaction credit amount processing method in the embodiment of the present invention one；
Fig. 2 is the flow chart of the transaction credit amount processing method in the embodiment of the present invention two；
Fig. 3 is the flow chart of the transaction credit amount processing method in the embodiment of the present invention three；
Fig. 4 A are the signaling diagrams of the transaction credit amount processing method in the embodiment of the present invention three；
Fig. 4 B and 4C are the interface sectional drawings of the transaction credit amount processing method in the embodiment of the present invention three；
Fig. 5 is the structure diagram of the transaction credit amount processing unit in the embodiment of the present invention four；
Fig. 6 is the structure diagram of the server in the embodiment of the present invention five.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that in order to just
It illustrate only part related to the present invention rather than entire infrastructure in description, attached drawing.
Embodiment one
Fig. 1 is the flow chart for the transaction credit amount processing method that the embodiment of the present invention one provides, and the embodiment of the present invention can
Situation suitable for lifting customer transaction credit line, this method can be performed by transaction credit amount processing unit, the dress
Putting can be realized by the way of software/hardware.The device is configured in the server of execution trading processing.As shown in Figure 1,
This method specifically includes：
S110, obtains the lifting request of the transaction credit amount of user.
Credit line is also known as " limited credit ", refers to the credit position of bank or financial institution according to offer, in the specified phase
In limit, the amount of money that highest can use is given.Credit line can recycle, which can first consume, refund afterwards.
When in user transaction process, run into transaction credit amount be not enough to complete payment process when, then support transaction business server
It can inform user balance deficiency.At this time, user can actively, or by server side initiate lifting transaction credit amount request.
Exemplarily, situations below can be included by lifting the generation of request：First, can be according to lifting volume input by user
Degree, produces the lifting request of transaction credit amount；Second, the bill to be paid that user generates in payment process can be inquired about,
When the payment of bill to be paid transaction credit amount remaining more than user, then occurring credit line lifting automatically please
Ask.
S120, asks according to lifting, determines the disbursement letter expense bill that transaction credit amount is lifted.
Since some users are after the credit line provided using exchange company is consumed on time, it is impossible to refund, cause
Exchange company need to undertake corresponding expense to make up loss user does not refund on time caused by, meanwhile, it can also cause individual subscriber
Credit reduces.Therefore, in order to reduce the risk that exchange company is undertaken, when user needs lifting credit line to complete to merchandise
When, it is necessary to which it is disbursement letter expense to pay certain expense.
Asked according to lifting, it may be determined that the disbursement letter that transaction credit amount is lifted expense bill.Can basis
The transaction credit amount to be lifted is different, and generates the disbursement letter expense bill of different expenses.Alternatively, it can also determine unification
Payment expense, or determine payment expense according to other factors, such as according to user credit grade, or according to definite user
The workload that credit grade is paid determines payment expense.
Alternatively, asked when the credit line provided according to user is lifted, can first determine the lifting of transaction credit amount
Amount, and then determine the disbursement letter expense bill that transaction credit amount is lifted.Wherein disbursement letter is main with expense bill
It is when being lifted to the transaction credit amount of user temporarily, it is necessary to which amount inquires about main strategies data more comprehensively to be assessed
Credit, collects a small amount of credit evaluation expense when assessing credit rating for this, and credit evaluation expense is interim for transaction credit amount
Lift the 2% of number.
Exemplarily, the credit expense that user pays can also be associated with user credit grade, and different user lifting is identical
Amount, the credit expense that the high user of credit grade pays is few；The identical user of credit grade, according to the lifting of exchange company
Credit payment provides that the high user of lifting amount need to pay higher expense.
In addition, the credit expense that user pays can also be related with the number of lifting request.For example, when the transaction of user is believed
When being not enough to complete payment process with amount, if the user lifts credit line first as user in current month, pay
Expense can be lift amount 2%；When the user of that month lifting credit line number at least twice when, pay expense
It can accordingly increase, such as payment expense is lift amount 2.5%.
S130, when payment of the definite completion disbursement letter with expense bill, by the lifting Quota distribution of transaction credit amount
To user.
According to the disbursement letter of generation expense bill, when definite user has completed disbursement letter expense bill, then may be used
Synchronously complete the lifting of transaction credit amount.Exemplarily, after the lifting for completing transaction credit amount, user is facilitated to click directly on
The order detail page completes operation to continue to place an order.Meanwhile after user obtains transaction lifting amount, in the term of validity of setting
When not consumed in duration, user, which can be transmitted, retracts transaction lifting amount request so that terminal recycles the lifting amount.
Optionally, when user used exchange company provide credit line, and obtain lifting amount after, if the use
Family fulfils refund ahead of schedule in refunding as defined in exchange company, and exchange company is also provided to one bonus of user, with battalion
Make company and the good transaction credit relation of user etc..
The processing method of transaction credit amount provided in an embodiment of the present invention, the transaction credit amount proposed according to user
Lifting request, determines the disbursement letter expense bill that transaction credit amount is lifted, user pays expense bill, as amount
Commercialization pattern new exploration, reduce the risk that exchange company undertakes, while beneficial to company's development steady in a long-term；When with
When the payment of payment expense bill is completed at family, then the lifting amount of transaction credit amount is distributed into user in real time, easy to user
Order is continued to complete, strengthens user experience.
Alternatively, obtaining the lifting request of the transaction credit amount of user includes：Obtain lifting amount input by user, root
The lifting that transaction credit amount is produced according to the input operation of lifting amount is asked；Or the bill to be paid of user is obtained, work as detection
When being more than the remaining transaction credit amount of user to bill to be paid, the lifting request of transaction credit amount is produced.
Following two situations can be included by producing the lifting request of transaction credit amount：First, it can be inputted according to user
Lifting amount, produce transaction credit amount lifting request；Second, can inquire about that user generates in payment process waits to prop up
Pay one's bill, when the payment of bill to be paid transaction credit amount remaining more than user, then occur credit line automatically
Lifting request, and generates the lifting page of credit line, wherein the number lifted can be selected flexibly, can customize whole hundred it is interim
Amount, and without updates when lifting transaction credit amount, so lifted user transaction credit amount facilitate user into
Row consumption, lifts the experience effect of user, strengthens the utilization rate of user.
Alternatively, lifting amount is configured with the term of validity duration of setting；The number of lifting amount is configured with minimum threshold；
Alternatively, transaction when the retracting request of amount of lifting of the user is obtained, recycles the lifting amount.
Exemplarily, when user obtains lifting transaction credit amount, the number for lifting amount can have minimum threshold, its
Middle threshold value can be more than or equal to 500, and whole hundred amount lifting is easy to statistics and maintenance system.Amount configuration is lifted to exist
There are 30 days terms of validity of setting, after more than the term of validity, the full amount of user can be reduced therewith；If user before the deadline can not
The transaction credit amount of lifting is consumed, can be applied for a refund, the transaction that user is obtained when terminal lifts when retracting request of amount, then
The transaction credit amount of lifting can be withdrawn, while returns to credit evaluation expense.So lifting of transaction credit amount and recycling side
Formula, easy to the management of system, while more humane design, easy to improve the utilization rate of user.
Embodiment two
Fig. 2 is the flow chart of transaction credit amount processing method provided by Embodiment 2 of the present invention, and the present embodiment is above-mentioned
Optimize on the basis of embodiment, further included in the transaction credit amount processing method provided in embodiment two：According to lifting
Request, determines the lifting amount of transaction credit amount；According to lifting amount, inquiry main strategies data assessment generation disbursement letter
Disbursement letter expense is determined with expense, or according to the setting ratio of lifting amount, and produces disbursement letter expense bill.
S210, obtains the lifting request of the transaction credit amount of user.
S220, is asked according to lifting, determines the lifting amount of transaction credit amount.
After the credit line for getting user lifts request, transaction platform will provide the user with transaction credit amount
The amount page is lifted, alternatively, the lifting amount page includes pre-set limit amount, such as setting limit amount can be with
For 500,1000 etc., and the limit amount that self-defined input is set, user can carry out flexibly selection transaction according to actual needs
The lifting amount of credit line.
S230, according to lifting amount, inquiry main strategies data assessment generates disbursement letter expense, or according to lifting volume
The setting ratio of degree determines disbursement letter expense, and produces disbursement letter expense bill.
Main strategies are the third-party institutions to build one's credit archives for personal or enterprise, in accordance with the law collection, objective record its letter
With information, and one kind activity of Credit Information Services is externally provided in accordance with the law.The personal past behavior of credit of credit record, these
Behavior will influence the personal following economic activity, these behaviors are embodied in the credit report of individual, and reference can be from system
Constraint individual or the behavior of enterprise, advantageously form good social credibility environment.
Alternatively, the lifting amount determined according to user, can be by inquiring about main strategies data assessment, synchronous generation
And issue user's disbursement letter expense.Or according to lifting amount setting ratio, can be lifting amount 2% come determine prop up
Credit expense is paid, it is produced disbursement letter expense bill, the operation of this generation disbursement letter expense, can pass through user's
Share risk equally, reduce exchange company loses account rate, while a kind of new exploration of the commercialization pattern as amount.
S240, when payment of the definite completion disbursement letter with expense bill, by the lifting Quota distribution of transaction credit amount
To user.
The processing method of transaction credit amount provided in an embodiment of the present invention, asks according to lifting, determines transaction credit volume
The lifting amount of degree, by inquiring about main strategies data assessment, synchronously generates and issues according to the setting ratio of lifting amount
User's disbursement letter expense, the operation of this generation disbursement letter expense, it is public can to reduce transaction by the risk of sharing equally of user
Department loses account rate, can simultaneously serve as a kind of new exploration of the commercialization pattern of amount.
Embodiment three
Fig. 3 is the flow chart for the transaction credit amount processing method that the embodiment of the present invention three provides, and Fig. 4 A are of the invention real
Apply the signaling diagram of the transaction credit amount processing method in example three.The present embodiment is optimized on the basis of embodiment one,
The lifting request of the transaction credit amount of the acquisition user provided in embodiment three, specifically includes following operation：
S310, the display amount center page, and decision engine is called, the interim lifting transaction limit node of request distribution.
Existing method when user needs to be lifted credit line, the official website of transaction software to the credit identity of user not into
Row confirms, just lifts the transaction credit amount of user, just occurs that the poor user of credit cannot go back on time after consumption is paid in advance
Money, causes exchange company to lose so that exchange company's financial strain.Therefore, line of credit of the present embodiment in lifting user
Before degree, i.e., assessment verification twice is carried out to the user in the lifting request process of transaction credit amount of user is obtained,
To filter out the preferable user of credit rating.Double probate is specifically included, is the certification of interim lifting transaction limit node first.
Interim lifting transaction limit node is to the authority set by the preliminary certification of user credit, is that user carries out temporarily
The first step of amount lifting.
Exemplarily, as shown in Figure 4 A, when obtaining the lifting of transaction credit amount of user request, volume can be shown automatically
The degree center page, the amount center page can include：The modules such as amount displaying, amount lifting, amount education, such as Fig. 4 B institutes
Show, system calls decision engine SER bags, and so-called decision engine refers to air control decision engine, is the set of a pile air control rule, leads to
Different branches is crossed, regular progressive relationship carries out computing layer by layer.The visual means of decision engine write strategy, make air control political affairs
Plan directly participates in strategy and writes.The core concept of wherein air control is based on a large amount of real sample datas, by the body of overdue user
Part, behavior and data characteristics are refined, and are rejected from the angle of Probability, so as to ask to distribute interim lifting turnover
Node is spent, and judges whether user can be traded the process of amount lifting, so detection to user credit degree, is improved
To the selection rate of credit rating preferable user.
S320, if being assigned to the node of interim lifting transaction limit, according to decision engine export by as a result, to
User shows the interim lifting Entry Interface of transaction credit amount.
Wherein, be provided with temporarily in lifting Entry Interface at least one interim amount option and/or interim amount it is defeated
Lairage.
Exemplarily, as shown in Figure 4 A, when being assigned to the node of interim lifting transaction limit, according to the one of decision engine
Whether a little air control rule judgments simultaneously export the user by lifting the node of transaction limit temporarily；If user is by and then making this
User enters the interim lifting Entry Interface of displaying transaction credit amount, as shown in Figure 4 C.Wherein, temporarily in lifting Entry Interface
The option of at least one interim amount is provided with, wherein interim amount is configured with whole hundred, the interim amount of minimum set is
500.Or have the input field of interim amount, it user is inputted self-defined numerical value in input field.This number is set
Put and input mode more meets the situation that user makes choice according to real consumption, user can be improved to interim lifting transaction letter
With the utilization rate of amount, and then lower single trading volume of company can be improved.
S330, when getting the interim amount that user determines by lifting Entry Interface temporarily, user information is transferred to
Decision engine, to call decision engine to carry out credit evaluation to user.
Wherein, user information is to refer to the information of the behaviors such as identification user identity, transaction, can include the surname of user
Card number used when name, credit grade and customer transaction etc..
Exemplarily, as shown in Figure 4 A, when user enters interim lifting Entry Interface, clicked on by user and carried temporarily
Volume, can get the interim amount that user determines, and then user information is transferred to decision engine, call decision engine SER
Bag, inquires about the common node of exterior blacklist, the credit evaluation of the user is judged whether in exterior blacklist, if the user is not
In blacklist, it can enter and carry the volume page temporarily；If judging the user in blacklist, the lifting process of transaction limit is whole
Only.
If a certain user is in shopping platform, such as Taobao, Jingdone district, due to the friendship provided during shopping commonly using exchange company
Easy credit line is consumed, but is late for refunding, certain number or after the time, and the user will be public automatically into the transaction
In the blacklist of department.When the transaction platform of exchange company, which gets the user, enters interim lifting Entry Interface, pass through calling
Decision engine inquires the user in blacklist, and the lifting process of transaction limit will terminate, and can be shown on current page
Show the information such as " failure of lifting amount ", " user credit is low, need to lift credit and carry out credit line lifting again ".
S340, if the credit evaluation for receiving decision engine feedback passes through result, it is determined that get transaction credit
The lifting request of amount.
Exemplarily, as shown in Figure 4 A, if judging the user not in blacklist, decision engine feedback can be received
Credit evaluation passes through as a result, the lifting that can obtain the transaction credit amount of the user is asked.Pass through decision engine in the present embodiment
To user credit degree carry out twice assessment can filter out the preferable user of credit rating, can so avoid the occurrence of refund it is unfavorable,
Cause the situation of exchange company's financial strain.
S350, asks according to lifting, determines the disbursement letter expense bill that transaction credit amount is lifted.
S360, when payment of the definite completion disbursement letter with expense bill, by the lifting Quota distribution of transaction credit amount
To user.
The processing method of transaction credit amount provided in an embodiment of the present invention, is obtaining carrying for the transaction credit amount of user
, it is necessary to call the SER bags of decision engine twice when rising request, to be verified to the credit rating of user, can so filter out
The preferable user of credit rating, avoid the occurrence of refund it is unfavorable, cause the situation of the economic occurrence risk of exchange company.
Example IV
Fig. 5 is the structure diagram of the transaction credit amount processing unit in the embodiment of the present invention four.As shown in figure 5, hand over
Easy credit line processing unit includes：Lift acquisition request module, expense bill determining module and lifting Quota distribution module.
Acquisition request module 510 is lifted, the lifting request of the transaction credit amount for obtaining user.
Expense bill determining module 520, for being asked according to lifting, determines the disbursement letter that transaction credit amount is lifted
With expense bill.
Quota distribution module 530 is lifted, for when determining to complete disbursement letter with the payment of expense bill, by transaction credit
The lifting Quota distribution of amount is to user.
Further, expense bill determining module 520 can include：
Amount determination unit is lifted, for being asked according to the lifting, determines the lifting amount of transaction credit amount.
Expense bill generation unit, for determining corresponding disbursement letter expense according to lifting amount, produces the payment
Credit expense bill.
Further, expense bill generation unit is specifically used for, according to lifting amount, inquiring about main strategies data assessment
Disbursement letter expense is generated, or disbursement letter expense is determined according to the setting ratio of lifting amount, and produces disbursement letter expense
Bill.
Further, lift acquisition request module 510 to be specifically used for obtaining lifting amount input by user, according to lifting volume
The input operation of degree produces the lifting request of transaction credit amount；Or
The bill to be paid of user is obtained, when detecting that bill to be paid is more than the remaining transaction credit amount of user,
Produce the lifting request of transaction credit amount.
Further, described device can also include：Amount recycling module is lifted, the transaction for obtaining user lifts volume
When retracting request of degree, recycling lifting amount.
Further, lifting acquisition request module 510 includes：
Node distribution module, for showing the amount center page, and calls decision engine, the interim lifting transaction of request distribution
Amount node；
Entry Interface display module, if the node for being assigned to interim lifting transaction limit, defeated according to decision engine
Go out by as a result, then show the interim lifting Entry Interface of transaction credit amount to user, wherein, lift Entry Interface temporarily
In be provided with least one interim option of amount and/or the input field of interim amount；
Credit evaluation module, during for getting the interim amount that user determines by the interim lifting Entry Interface,
User information is transferred to decision engine, to call decision engine to carry out credit evaluation to user；If receive decision engine
When the credit evaluation of feedback passes through result, it is determined that get the lifting request of transaction credit amount.
Transaction credit amount processing unit provided in an embodiment of the present invention, the transaction credit amount proposed according to user carry
Request is risen, determines the disbursement letter expense bill that transaction credit amount is lifted, user pays expense bill, as amount
The new exploration of commercialization pattern, reduces the risk that exchange company undertakes, while beneficial to company's development steady in a long-term；Work as user
Complete payment expense bill payment when, then the lifting amount of transaction credit amount is distributed into user in real time, easy to user after
It is continuous to complete order, strengthen user experience.
Embodiment five
Fig. 6 is the structure diagram of the server in the embodiment of the present invention five.Fig. 6 is shown suitable for being used for realizing the present invention
The block diagram of the exemplary servers 612 of embodiment.The server 612 that Fig. 6 is shown is only an example, should not be to the present invention
The function and use scope of embodiment bring any restrictions.
As shown in fig. 6, server 612 is showed in the form of universal computing device.The component of server 612 can include but
It is not limited to：One or more processor or processing unit 616, system storage 628, connection different system component (including
System storage 628 and processing unit 616) bus 618.
Bus 618 represents the one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, graphics acceleration port, processor or the local bus using any bus structures in a variety of bus structures.Lift
For example, these architectures include but not limited to industry standard architecture (ISA) bus, microchannel architecture (MAC)
Bus, enhanced isa bus, Video Electronics Standards Association (VESA) local bus and periphery component interconnection (PCI) bus.
Server 612 typically comprises various computing systems computer-readable recording medium.These media can be it is any being capable of bedding and clothing
The usable medium that business device 612 accesses, including volatile and non-volatile medium, moveable and immovable medium.
System storage 628 can include the computer system readable media of form of volatile memory, such as deposit at random
Access to memory (RAM) 630 and/or cache memory 632.Server 612 may further include it is other it is removable/can not
Mobile, volatile/non-volatile computer system storage medium.Only as an example, storage system 634 can be used for read-write not
Movably, non-volatile magnetic media (Fig. 6 is not shown, is commonly referred to as " hard disk drive ").Although not shown in Fig. 6, can with
The disc driver being used for moving non-volatile magnetic disk (such as " floppy disk ") read-write is provided, and to removable non-volatile
The CD drive of CD (such as CD-ROM, DVD-ROM or other optical mediums) read-write.In these cases, each driving
Device can be connected by one or more data media interfaces with bus 618.System storage 628 can include at least one
Program product, the program product have one group of (for example, at least one) program module, these program modules are configured to perform this
Invent the function of each embodiment.
Program/utility 640 with one group of (at least one) program module 642, can be stored in such as system and deposit
In reservoir 628, such program module 642 includes but not limited to operating system, one or more application program, other programs
Module and routine data, may include the realization of network environment in each or certain combination in these examples.Program mould
Block 642 usually performs function and/or method in embodiment described in the invention.
Server 612 can also be with one or more external equipments 614 (such as keyboard, sensing equipment, display 624 etc.)
Communication, can also enable a user to the equipment communication interacted with the server 612 with one or more, and/or with causing the clothes
Any equipment (such as network interface card, modem etc.) that business device 612 can communicate with one or more of the other computing device
Communication.This communication can be carried out by input/output (I/O) interface 622, wherein the primary recipient active user of input interface
Voice signal.Also, server 612 can also pass through network adapter 620 and one or more network (such as LAN
(LAN), wide area network (WAN) and/or public network, such as internet) communication.As shown in the figure, network adapter 620 passes through bus
618 communicate with other modules of server 612.It should be understood that although not shown in the drawings, it can be used with reference to server 612
Its hardware and/or software module, include but not limited to：Microcode, device driver, redundant processing unit, external disk driving
Array, RAID system, tape drive and data backup storage system etc..
Processing unit 616 is stored in program in system storage 628 by operation, thus perform various functions using with
And data processing, such as realize the processing method for the transaction credit amount that the embodiment of the present invention is provided, including：
Obtain the lifting request of the transaction credit amount of user；
Asked according to lifting, determine the disbursement letter expense bill that transaction credit amount is lifted；
When payment of the definite completion disbursement letter with expense bill, by the lifting Quota distribution of transaction credit amount to use
Family.
Embodiment six
The embodiment of the present invention six provides a kind of computer-readable recording medium, is stored thereon with computer program, the journey
The processing method of the transaction credit amount provided such as the embodiment of the present invention is provided when sequence is executed by processor, including：
Obtain the lifting request of the transaction credit amount of user；
Asked according to lifting, determine the disbursement letter expense bill that transaction credit amount is lifted；
When payment of the definite completion disbursement letter with expense bill, by the lifting Quota distribution of transaction credit amount to use
Family.
Storage medium provided in an embodiment of the present invention, can be using any group of one or more computer-readable media
Close.Computer-readable medium can be computer-readable signal media or computer-readable recording medium.It is computer-readable to deposit
Storage media can for example be but not limited to system, device or the device of electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, Huo Zheren
The combination for the above of anticipating.The more specifically example (non exhaustive list) of computer-readable recording medium includes：With one or more
It is the electrical connection of a conducting wire, portable computer diskette, hard disk, random access memory (RAM), read-only storage (ROM), erasable
Formula programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read-only storage (CD-ROM), optical storage
Device, magnetic memory device or above-mentioned any appropriate combination.In this document, computer-readable recording medium can be
It is any to include or the tangible medium of storage program, the program can be commanded execution system, device either device using or with
It is used in combination.
Computer-readable signal media can include in a base band or as carrier wave a part propagation data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium beyond storage medium is read, which, which can send, propagates or transmit, is used for
By instruction execution system, device either device use or program in connection.
The program code included on computer-readable medium can be transmitted with any appropriate medium, including --- but it is unlimited
In wireless, electric wire, optical cable, RF etc., or above-mentioned any appropriate combination.
It can be write with one or more programming languages or its combination for performing the computer that operates of the present invention
Program code, described program design language include object oriented program language-such as Java, Smalltalk, C++,
Further include conventional procedural programming language-such as " C " language or similar programming language.Program code can be with
Fully perform, partly perform on the user computer on the user computer, the software kit independent as one performs, portion
Divide and partly perform or performed completely on remote computer or server on the remote computer on the user computer.
Be related in the situation of remote computer, remote computer can pass through the network of any kind --- including LAN (LAN) or
Wide area network (WAN)-be connected to subscriber computer, or, it may be connected to outer computer (such as carried using Internet service
Pass through Internet connection for business).
Note that it above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that
The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes,
Readjust and substitute without departing from protection scope of the present invention.Therefore, although being carried out by above example to the present invention
It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also
It can include other more equivalent embodiments, and the scope of the present invention is determined by scope of the appended claims.
Claims (12)
- A kind of 1. processing method of transaction credit amount, it is characterised in that the described method includes：Obtain the lifting request of the transaction credit amount of user；Asked according to the lifting, determine the disbursement letter expense bill that transaction credit amount is lifted；When payment of the definite completion disbursement letter with expense bill, the lifting Quota distribution of the transaction credit amount is given The user.
- 2. according to the method described in claim 1, it is characterized in that, according to it is described lifting ask, determine transaction credit amount into The disbursement letter expense bill of row lifting includes：Asked according to the lifting, determine the lifting amount of transaction credit amount；Corresponding disbursement letter expense is determined according to the lifting amount, produces the disbursement letter expense bill.
- 3. according to the method described in claim 2, it is characterized in that, corresponding disbursement letter expense is determined according to the lifting amount With producing the disbursement letter expense bill includes：According to the lifting amount, inquiry main strategies data assessment generates disbursement letter expense, or according to the lifting volume The setting ratio of degree determines disbursement letter expense, and produces the disbursement letter expense bill.
- 4. according to the method described in claim 1, it is characterized in that, obtain the lifting request bag of the transaction credit amount of user Include：Lifting amount input by user is obtained, the lifting that transaction credit amount is produced according to the input operation of the lifting amount please Ask；OrObtain user bill to be paid, when detect the bill to be paid be more than the user remaining transaction credit amount When, produce the lifting request of transaction credit amount.
- 5. according to the method described in claim 1, it is characterized in that：The lifting amount is configured with the term of validity duration of setting；The number of the lifting amount is configured with minimum threshold.
- 6. according to the method described in claim 1, it is characterized in that, further include：Transaction when the retracting request of amount of lifting of the user is obtained, recycles the lifting amount.
- 7. according to the method described in claim 1, it is characterized in that, obtain the lifting request bag of the transaction credit amount of user Include：Show the amount center page, and call decision engine, the interim lifting transaction limit node of request distribution；If being assigned to the node of interim lifting transaction limit, according to the decision engine export by as a result, to user Show the interim lifting Entry Interface of transaction credit amount, wherein, it is provided with least one in the interim lifting Entry Interface The interim option of amount and/or the input field of interim amount；When getting the interim amount that user determines by the interim lifting Entry Interface, the user information is transferred to certainly Plan engine, to call the decision engine to carry out credit evaluation to the user；If the credit evaluation for receiving the decision engine feedback passes through result, it is determined that get the transaction credit volume The lifting request of degree.
- 8. a kind of processing unit of transaction credit amount, it is characterised in that described device includes：Acquisition request module is lifted, the lifting request of the transaction credit amount for obtaining user；Expense bill determining module, for being asked according to the lifting, determines that the disbursement letter that transaction credit amount is lifted is used Expense bill；Quota distribution module is lifted, for when payment of the definite completion disbursement letter with expense bill, the transaction to be believed The user is given with the lifting Quota distribution of amount.
- 9. device according to claim 8, it is characterised in that the expense bill determining module includes：Amount determination unit is lifted, for being asked according to the lifting, determines the lifting amount of transaction credit amount；Expense bill generation unit, for determining corresponding disbursement letter expense according to the lifting amount, produces the payment Credit expense bill.
- 10. device according to claim 9, it is characterised in that the expense bill generation unit is specifically used for according to institute State lifting amount, inquiry main strategies data assessment generation disbursement letter expense, or the setting ratio according to the lifting amount The definite disbursement letter expense of example, and produce the disbursement letter expense bill.
- 11. a kind of server, it is characterised in that the server includes：One or more processors；Storage device, for storing one or more programs,When one or more of programs are performed by one or more of processors so that one or more of processors are real The now processing method of the transaction credit amount as described in any in claim 1-7.
- 12. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the program is by processor The processing method of the transaction credit amount as described in any in claim 1-7 is realized during execution.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711349567.XA CN107967607A (en) | 2017-12-15 | 2017-12-15 | A kind of processing method, device, server and the storage medium of transaction credit amount |
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| CN201711349567.XA CN107967607A (en) | 2017-12-15 | 2017-12-15 | A kind of processing method, device, server and the storage medium of transaction credit amount |
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| CN107967607A true CN107967607A (en) | 2018-04-27 |
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| CN201711349567.XA Pending CN107967607A (en) | 2017-12-15 | 2017-12-15 | A kind of processing method, device, server and the storage medium of transaction credit amount |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109102387A (en) * | 2018-06-28 | 2018-12-28 | 招联消费金融有限公司 | A kind of amount method of adjustment, server and computer-readable medium |
| CN110276695A (en) * | 2019-05-10 | 2019-09-24 | 阿里巴巴集团控股有限公司 | Method, apparatus, calculating equipment and the computer readable storage medium that project is deducted fees |
| CN110348784A (en) * | 2019-07-05 | 2019-10-18 | 深圳市丰巢科技有限公司 | One kind posting part method, apparatus, equipment and storage medium |
| CN111191166A (en) * | 2019-12-20 | 2020-05-22 | 上海淇玥信息技术有限公司 | Method and device for displaying service page and electronic equipment |
| CN111258750A (en) * | 2020-01-07 | 2020-06-09 | 支付宝(杭州)信息技术有限公司 | Data volume processing method and system, and quota allocation method and system |
| CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
| CN111738839A (en) * | 2020-06-22 | 2020-10-02 | 中国银行股份有限公司 | Credit card limit data adjusting method and device |
| CN113095937A (en) * | 2021-03-31 | 2021-07-09 | 携程商旅信息服务（上海）有限公司 | Bill generation method, system, equipment and storage medium based on enterprise WeChat |
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2017
- 2017-12-15 CN CN201711349567.XA patent/CN107967607A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109102387A (en) * | 2018-06-28 | 2018-12-28 | 招联消费金融有限公司 | A kind of amount method of adjustment, server and computer-readable medium |
| CN109102387B (en) * | 2018-06-28 | 2020-10-02 | 招联消费金融有限公司 | Quota adjusting method, server and computer readable medium |
| CN110276695A (en) * | 2019-05-10 | 2019-09-24 | 阿里巴巴集团控股有限公司 | Method, apparatus, calculating equipment and the computer readable storage medium that project is deducted fees |
| CN110348784A (en) * | 2019-07-05 | 2019-10-18 | 深圳市丰巢科技有限公司 | One kind posting part method, apparatus, equipment and storage medium |
| CN111191166A (en) * | 2019-12-20 | 2020-05-22 | 上海淇玥信息技术有限公司 | Method and device for displaying service page and electronic equipment |
| CN111191166B (en) * | 2019-12-20 | 2023-08-08 | 上海淇玥信息技术有限公司 | Business page display method and device and electronic equipment |
| CN111258750A (en) * | 2020-01-07 | 2020-06-09 | 支付宝(杭州)信息技术有限公司 | Data volume processing method and system, and quota allocation method and system |
| CN111258750B (en) * | 2020-01-07 | 2023-06-20 | 支付宝(杭州)信息技术有限公司 | Data volume processing method and system, and credit allocation method and system |
| CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
| CN111738839A (en) * | 2020-06-22 | 2020-10-02 | 中国银行股份有限公司 | Credit card limit data adjusting method and device |
| CN111738839B (en) * | 2020-06-22 | 2023-10-27 | 中国银行股份有限公司 | Credit card limit data adjustment method and device |
| CN113095937A (en) * | 2021-03-31 | 2021-07-09 | 携程商旅信息服务（上海）有限公司 | Bill generation method, system, equipment and storage medium based on enterprise WeChat |
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