CN108364228A

CN108364228A - A kind of business data processing method and its equipment

Info

Publication number: CN108364228A
Application number: CN201810298439.5A
Authority: CN
Inventors: 郑楚辉
Original assignee: Maimaiti Mdt Infotech Ltd Shenzhen
Current assignee: Maimaiti Mdt Infotech Ltd Shenzhen
Priority date: 2018-03-30
Filing date: 2018-03-30
Publication date: 2018-08-03

Abstract

The embodiment of the present invention discloses a kind of business data processing method and its equipment, wherein method include the following steps：The request of processing by stages for the business information of intended application is obtained in application message platform, the request of processing by stages carries the service identification of the user information and the business information that log in application message platform；The corresponding history consumer record of the user information is obtained on the application message platform, and user credit information associated with the user information is generated according to the history consumer record；History spending amount information is extracted in the history consumer record, according to the user credit information and history spending amount acquisition of information accrediting amount information associated with the user information；The business information is handled by stages according to the accrediting amount information and the service identification.By the invention it is possible to reduce the first Meteorological of user, reduce and be lost in user, increases user's viscosity, increase businessman's fund utilization rate.

Description

A kind of business data processing method and its equipment

Technical field

The present invention relates to electronic technology field more particularly to a kind of business data processing method and its equipment.

Background technology

Online game industry of today flourishes, and game is a kind of good recreation and amusement side after Working Life Formula, it is nowadays Chinese to have surmounted the U.S., global maximum Game Market is developed into, Game Market scale remains lasting growth, It is also to be increasing year by year, but the behind burning hot in game developments, the sector still remain many ask in the receipts that are full of of Game Market Topic, such as businessman constantly release expensive stage property, cause user that can not economically undertake, game experiencing payment threshold mistake Height leads to be lost in that user, user's viscosity is insufficient, cause much to play can not long duration existence.

Invention content

The embodiment of the present invention provides a kind of business data processing method and its equipment, can by business information by stages Processing reduces the first Meteorological of user, reduces and is lost in user, increases user's viscosity, increases businessman's fund utilization rate.

First aspect of the embodiment of the present invention provides a kind of business data processing method, it may include：

The request of processing by stages for the business information of intended application is obtained in application message platform, it is described to handle by stages Request carries the service identification of the user information and the business information that log in application message platform；

The corresponding history consumer record of the user information is obtained on the application message platform, is disappeared according to the history Take record and generates user credit information associated with the user information；

History spending amount information is extracted in the history consumer record, according to the user credit information and described is gone through History spending amount acquisition of information accrediting amount information associated with the user information；

The business information is handled by stages according to the accrediting amount information and the service identification.

Second aspect of the embodiment of the present invention provides a kind of business data processing equipment, it may include：

Acquisition request unit, the processing by stages for obtaining the business information for intended application in application message platform Request, the request of processing by stages carry the business mark of the user information and the business information that log in application message platform Know；

User credit generation unit disappears for obtaining the corresponding history of the user information on the application message platform Take record, user credit information associated with the user information is generated according to the history consumer record；

Accrediting amount acquiring unit, for extracting history spending amount information in the history consumer record, according to institute State user credit information and history spending amount acquisition of information accrediting amount information associated with the user information；

Processing unit by stages, for according to the accrediting amount information and the service identification to the business information into Row is handled by stages.

The third aspect of the embodiment of the present invention provides a kind of electronic equipment, it may include：Shell, processor, memory, circuit Plate and power circuit, wherein the circuit board is placed in the space interior that the shell surrounds, the processor and the storage Device is arranged on the circuit board；The power circuit, for being each circuit or the device power supply of the electronic equipment；It is described Memory is for storing executable program code；The processor is by reading the executable program generation stored in the memory Code runs program corresponding with the executable program code, for executing following steps：

In embodiments of the present invention, by application message platform obtain for intended application business information by stages Processing request, by stages processing request carry the business mark of the user information and the business information that log in application message platform Know；The corresponding history consumer record of user information is obtained on application message platform, according to the generation of history consumer record and user The associated user credit information of information；History spending amount information is extracted in history consumer record, is believed according to user credit Breath and history spending amount acquisition of information accrediting amount information associated with user information；According to accrediting amount information and industry Business mark handles business information by stages.By being handled business information by stages, the first input expense of user is reduced With, reduce the loss of user, increase user viscosity, increase businessman's fund utilization rate.

Description of the drawings

In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with Obtain other attached drawings according to these attached drawings.

Fig. 1 is a kind of flow diagram of business data processing method provided in an embodiment of the present invention；

Fig. 2 is the flow diagram of another business data processing method provided in an embodiment of the present invention；

Fig. 3 is a kind of structural schematic diagram of business data processing equipment provided in an embodiment of the present invention；

Fig. 4 is the structural schematic diagram of another business data processing equipment provided in an embodiment of the present invention；

Fig. 5 is a kind of structural schematic diagram of Information Authentication unit provided in an embodiment of the present invention；

Fig. 6 is a kind of structural schematic diagram of user credit generation unit provided in an embodiment of the present invention；

Fig. 7 is a kind of structural schematic diagram of accrediting amount acquiring unit provided in an embodiment of the present invention；

Fig. 8 is the structural schematic diagram of a kind of electronic equipment provided in an embodiment of the present invention.

Specific implementation mode

Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other Embodiment shall fall within the protection scope of the present invention.

Business data processing method provided in an embodiment of the present invention can be applied to pay by instalments on Game Market, For example, by obtaining the request of processing by stages for the business information of intended application in application message platform, processing by stages is asked Seek the service identification for carrying the user information and the business information that log in application message platform；It is obtained on application message platform The corresponding history consumer record of user information is taken, generating user credit associated with user information according to history consumer record believes Breath；History spending amount information is extracted in history consumer record, is obtained according to user credit information and history spending amount information Take accrediting amount information associated with user information；Business information is divided according to accrediting amount information and service identification Phase is handled.By being handled business information by stages, the first Meteorological of user is reduced, the loss of user is reduced, is increased Add user sticky, increases businessman's fund utilization rate.

The present embodiments relate to business data processing equipment may include：Tablet computer, smart mobile phone, PC (PC), the terminal devices such as laptop, palm PC and mobile internet device (MID).

Fig. 1 is referred to, for an embodiment of the present invention provides a kind of flow diagrams of business data processing method.Such as Fig. 1 It is shown, the embodiment of the present invention the method may include following steps S101- steps S104.

S101, the processing by stages obtained in application message platform for the business information of intended application are asked, described point Phase processing request carries the service identification of the user information and the business information that log in application message platform.

Specifically, business data processing equipment obtains point of the business information for intended application in application message platform Phase processing request, the request of processing by stages carry the industry of the user information and the business information that log in application message platform Business mark, it is to be understood that business data processing equipment obtains the business letter for intended application in application message platform The request of processing by stages of breath, the application message platform can be server, provide running environment for terminal applies, may include Multiple terminal application, the intended application are a terminal applies in application message platform, can be game application, institute It is the specific product information of intended application to state business information, can be stage property or ideal money in game application, The request of processing by stages carries the service identification of the user information and the business information that log in application message platform, described User information includes the user information of user, and the service identification is business information for identification.

S102 obtains the corresponding history consumer record of the user information, according to described on the application message platform History consumer record generates user credit information associated with the user information.

Specifically, business data processing equipment obtains the corresponding history of the user information on the application message platform Consumer record generates user credit information associated with the user information according to the history consumer record, it is possible to understand that , business data processing equipment obtains the corresponding history consumer record of the user information on the application message platform, The history consumer record can be the consumer record under intended application, can also be the consumption note under other-end application Record, the history consumer record include the amount of money of consumption, the object of consumption, consumption time, consume and remember further according to the history Record generates user credit information associated with the user information, and the user credit information is commented one kind of user information Valence index, the confidence level for weighing user information, user credit information is higher, and the Reliability of user information is higher.

S103 extracts history spending amount information in the history consumer record, according to the user credit information and The history spending amount acquisition of information accrediting amount information associated with the user information.

Specifically, business data processing equipment extracts history spending amount information in the history consumer record, according to The user credit information and history spending amount acquisition of information accrediting amount information associated with the user information, It is understood that business data processing equipment extracts history spending amount information in the history consumer record, history disappears It includes history spending amount information, history consumption time and history consumer objects to take record, and according to the user credit information With history spending amount acquisition of information accrediting amount information associated with the user information, user credit information is got over Good, history spending amount information is higher, then accrediting amount information associated with user information is bigger.

S104 is handled the business information according to the accrediting amount information and the service identification by stages.

Specifically, business data processing equipment according to the accrediting amount information and the service identification to the business Information is handled by stages, it is to be understood that business data processing equipment is awarded according to acquisition is associated with user information Believe amount information, the business information indicated by the service identification is handled by stages, the processing by stages is according to setting Issue business information is handled in batches, for example, user buys stage property in game application, the value of the stage property exists In accrediting amount range of information, user can be performed in multiple times payment with the issue of selection.

Fig. 2 is referred to, for an embodiment of the present invention provides a kind of flow diagrams of business data processing method.Such as Fig. 2 It is shown, the embodiment of the present invention the method may include following steps S201- steps S213.

S201 obtains the log-on message inputted in application message platform, and is verified to the log-on message.

Specifically, business data processing equipment obtains the log-on message inputted in application message platform, and to the note Volume information is verified, it is to be understood that business data processing equipment obtains the registration letter inputted in application message platform Breath, the log-on message is at least one of personal information input by user, including personally identifiable information, personal characteristic information Information, the personally identifiable information include name information, identification card number information, contact information, address information, the individual Characteristic information includes age information, gender information, occupational information, academic information, and business data processing equipment detects the registration Whether information passes through verification.

The log-on message is verified, including following at least one：

The personally identifiable information in log-on message on application message platform is obtained, the described person is obtained from mobile phone operators The corresponding target personally identifiable information of part information, and detect the target personally identifiable information with it is described in the log-on message Whether personally identifiable information is identical.

Specifically, business data processing equipment obtains the personally identifiable information in log-on message on application message platform, from Mobile phone operators obtain the corresponding target personally identifiable information of the personally identifiable information, and detect the target personal identification letter Breath it is whether identical as the personally identifiable information in the log-on message, it is to be understood that business data processing equipment from Contact information is obtained in the personally identifiable information of log-on message, obtaining the contact information from mobile phone operators corresponds to Target personally identifiable information, the target personally identifiable information includes name information, identification card number information, then detects the mesh It marks personally identifiable information and whether the personally identifiable information in the log-on message is identical.

The face information for obtaining user, by the identity card picture in the face information and the target personally identifiable information Information is compared.

Specifically, business data processing equipment obtains the face information of user, by the face information and the target Identity card picture information in people's identity information compares, it is to be understood that business data processing equipment calls camera Either photographing device, obtains the face information of user, passes through face optical character identification (Optical Character Recognition, OCR) identification verification user authenticity, and will be in the face information and the target personally identifiable information Identity card picture information compared.

The real-time address information that user is obtained by positioning in real time, detects the real-time address information and described address information It is whether identical.

Specifically, business data processing equipment obtains the real-time address information of user by positioning in real time, the reality is detected When address information and described address information it is whether identical, it is to be understood that business data processing equipment use global positioning system System (Global Positioning System, GPS) obtains the real-time address information of user, detects the real-time address information It is whether identical as described address information.

S202 generates user information, the log-on message includes a person if being verified according to the log-on message At least one of part information, personal characteristic information information.

If specifically, be verified, business data processing equipment generates user information according to the log-on message, can be with Understand, the log-on message includes at least one of personally identifiable information, personal characteristic information information, if the registration Information then generates user information by verification, business data processing equipment according to the log-on message.

S203, the processing by stages obtained in application message platform for the business information of intended application are asked, described point Phase processing request carries the service identification of the user information and the business information that log in application message platform.

S204 obtains the corresponding history consumer record of the user information, the consumption on the application message platform Record includes spending amount information, consumption frequency information.

Specifically, business data processing equipment obtains the corresponding history of the user information on the application message platform Consumer record, the consumer record include spending amount information, consumption frequency information, user's evaluation information, it is to be understood that Business data processing equipment obtains the corresponding history consumer record of the user information on the application message platform, described to disappear Expense amount information includes the single amount information of consumption and overall consumption amount information, the consumption frequency information include customer consumption Temporal information and consumption number of times information, the user's evaluation information to be user use feedback to service data information.

S205 obtains the personal identification letter according to the personally identifiable information in the user information from mobile phone operators Cease corresponding first consumer record.

Specifically, business data processing equipment is according to the personally identifiable information in the user information, from mobile phone operators Obtain corresponding first consumer record of the personally identifiable information, it is to be understood that business data processing equipment is believed from registration Contact information is obtained in the personally identifiable information of breath, the contact information corresponding first is obtained from mobile phone operators Consumer record, first consumer record include spending amount information, consumption frequency information, user's evaluation information.

S206, obtain the user information shopping at network platform the second consumer record.

Specifically, it is flat in shopping at network to obtain the user information according to the user information for business data processing equipment Second consumer record of platform, it is to be understood that business data processing equipment is according to the user information, using crawler technology, The user information is obtained in the second consumer record of shopping at network platform, second consumer record includes spending amount letter Breath, consumption frequency information, user's evaluation information.

S207 is generated and the use according to the history consumer record, first consumer record and the second consumer record The associated user credit information of family information.

Specifically, business data processing equipment disappears according to the history consumer record, first consumer record and second Take record and generate user credit information associated with the user information, it is to be understood that business data processing equipment root User credit information, user's letter are generated according to the history consumer record, first consumer record and the second consumer record It is a kind of evaluation index to user information with information.

S208 extracts history spending amount information in the history consumer record.

It, can be with specifically, business data processing equipment extracts history spending amount information in the history consumer record Understand, the consumer record includes spending amount information, consumption frequency information, user's evaluation information, business data processing Equipment extracts history spending amount information in the history consumer record, and the spending amount information includes the single gold of consumption Volume information and overall consumption amount information.

S209 obtains the facility information that the user information is logged in, and obtains the corresponding pricing information of the facility information.

Specifically, business data processing equipment obtains the facility information that the user information is logged in, the equipment is obtained The corresponding pricing information of information, it is to be understood that business data processing equipment obtained that the user information currently logs in sets Standby information, the equipment can be smart mobile phone, computer either other mobile devices, and the equipment letter is obtained from network Cease corresponding pricing information.

S210 obtains described according to the personally identifiable information in the user information from first consumer record The corresponding first spending amount information of people's identity information.

Specifically, business data processing equipment disappears according to the personally identifiable information in the user information from described first The corresponding first spending amount information of the personally identifiable information is obtained in expense record, it is to be understood that first consumption Record includes the first spending amount information, consumes frequency information, user's evaluation information, and business data processing equipment is from described first The corresponding first spending amount information of the contact information is obtained in consumer record.

S211 obtains the corresponding second spending amount information of the user information from second consumer record.

Specifically, described in business data processing equipment according to the user information, obtains from second consumer record The corresponding second spending amount information of user information, it is to be understood that second consumer record includes the second spending amount Information, consumption frequency information, user's evaluation information, business data processing equipment obtain the use from second consumer record The corresponding second spending amount information of family information.

S212, according to the history spending amount information, pricing information, the first spending amount information, described Second spending amount information, personal characteristic information and the user credit acquisition of information accrediting amount associated with the user information Information.

Specifically, business data processing equipment is according to the history spending amount information, the pricing information, described first Spending amount information, the second spending amount information, personal characteristic information and user credit acquisition of information are believed with the user The associated accrediting amount information of manner of breathing, it is to be understood that business data processing equipment is by believing the history spending amount Breath, the pricing information, the first spending amount information, the second spending amount information, user credit information, user Age, gender information and user occupational information and academic information comprehensive descision, obtain associated with the user information Accrediting amount information.

S213, when the business information business amount information be less than or equal to the accrediting amount information, by the industry The business amount information of business information is handled by stages；When the business amount information of the business information is more than the accrediting amount Information will be more than the excess business amount information of the accrediting amount information from the user information in the business amount information It is deducted in indicated account, and the accrediting amount information is handled by stages.

Specifically, business data processing equipment is less than or equal to the credit when the business amount information of the business information Amount information is handled the business amount information of the business information by stages；When the business amount of money of the business information is believed Breath is more than the accrediting amount information, and the excess business amount of money of the accrediting amount information will be more than in the business amount information Information is deducted from the account indicated by the user information, and the accrediting amount information is handled by stages, Ke Yili Solution, when the business amount information of the business information is less than or equal to the accrediting amount information, then business data processing Equipment is handled whole business amount informations by stages, when the business amount information of the business information is more than the credit Amount information, business data processing equipment can only carry out by stages accrediting amount message part described in the business amount information It handles, the excess business amount information beyond accrediting amount information cannot be handled by stages in the business amount information, can To be deducted from the account indicated by the user information；If the accrediting amount information is in other business information of intended application Or be completely used for handling business information by stages in terminal applies in other answer of application message platform, then it is described User information cannot be handled by stages again, if the accrediting amount information intended application other business information or Other answer in terminal applies of application message platform has part accrediting amount information to handle business information by stages, then described Business information cannot be handled by stages in the accrediting amount handled by stages in accrediting amount information, the user information The accrediting amount not handled by stages in the accrediting amount can only be used to be handled by stages.

Wherein, the specific descriptions of the step S101 of the step S203 embodiments shown in Figure 1 of the embodiment of the present invention, herein Without repeating.

Fig. 3 is referred to, for an embodiment of the present invention provides a kind of structural schematic diagrams of business data processing equipment.Such as Fig. 3 Shown, the business data processing equipment 1 of the embodiment of the present invention may include：Acquisition request unit 11, user credit generate Unit 12, accrediting amount acquiring unit 13 and processing unit 14 by stages.

Acquisition request unit 11, the place by stages for obtaining the business information for intended application in application message platform Reason request, the request of processing by stages carry the business mark of the user information and the business information that log in application message platform Know.

Specifically, acquisition request unit 11 obtained in application message platform for intended application business information by stages Processing request, the request of processing by stages carry the business of the user information and the business information that log in application message platform Mark, it is to be understood that acquisition request unit 11 obtains the business information for being directed to intended application in application message platform Processing request by stages, the application message platform can be server, and running environment is provided for terminal applies, may include a variety of Terminal applies, the intended application are a terminal applies in application message platform, can be game application, the industry Information of being engaged in is the specific product information of intended application, can be stage property or ideal money in game application, described Processing request carries the service identification of the user information and the business information that log in application message platform, the user by stages Information includes the user information of user, and the service identification is business information for identification.

User credit generation unit 12, for obtaining the corresponding history of the user information on the application message platform Consumer record generates user credit information associated with the user information according to the history consumer record.

Specifically, user credit generation unit 12 obtains on the application message platform, the user information is corresponding to be gone through History consumer record generates user credit information associated with the user information, Ke Yili according to the history consumer record Solution, user credit generation unit 12 obtain the corresponding history consumption note of the user information on the application message platform Record, the history consumer record can be the consumer record under intended application, can also be disappearing under other-end application Take record, the history consumer record include the amount of money of consumption, the object of consumption, consumption time, disappear further according to the history Take record and generate user credit information associated with the user information, the user credit information is one to user information Kind evaluation index, the confidence level for weighing user information, user credit information is higher, and the Reliability of user information is got over It is high.

Accrediting amount acquiring unit 13, for extracting history spending amount information in the history consumer record, according to The user credit information and history spending amount acquisition of information accrediting amount information associated with the user information.

Specifically, accrediting amount acquiring unit 13 extracts history spending amount information, root in the history consumer record According to the user credit information and history spending amount acquisition of information accrediting amount letter associated with the user information Breath, it is to be understood that accrediting amount acquiring unit 13 extracts history spending amount information in the history consumer record, goes through History consumer record includes history spending amount information, history consumption time and history consumer objects, and according to the user credit Information and history spending amount acquisition of information accrediting amount information associated with the user information, user credit information Better, history spending amount information is higher, then accrediting amount information associated with user information is bigger.

Processing unit 14 by stages are used for according to the accrediting amount information and the service identification to the business information It is handled by stages.

Specifically, processing unit 14 believes the business according to the accrediting amount information and the service identification by stages Breath is handled by stages, it is to be understood that processing unit 14 is according to acquisition credit volume associated with user information by stages Information is spent, the business information indicated by the service identification is handled by stages, the processing by stages is the phase according to setting Several to be handled in batches business information, for example, user buys stage property in game application, the value of the stage property is in credit In amount range of information, user can be performed in multiple times payment with the issue of selection.

Fig. 4 is referred to, for an embodiment of the present invention provides a kind of structural schematic diagrams of business data processing equipment.Such as Fig. 4 Shown, the business data processing equipment 1 of the embodiment of the present invention may include：Acquisition request unit 11, user credit generate Unit 12, accrediting amount acquiring unit 13, by stages processing unit 14, Information Authentication unit 15 and notification unit 16.

Information Authentication unit 15 is believed for obtaining the log-on message inputted in application message platform, and to the registration Breath is verified.

Specifically, Information Authentication unit 15 obtains the log-on message inputted in application message platform, and to the registration Information is verified, it is to be understood that Information Authentication unit 15 obtains the log-on message inputted in application message platform, institute It is at least one of personal information input by user, including personally identifiable information, personal characteristic information information to state log-on message, The personally identifiable information includes name information, identification card number information, contact information, address information, the personal characteristics Information includes age information, gender information, occupational information, academic information, and business data processing equipment detects the log-on message Whether verification is passed through.

Specifically, please also refer to Fig. 5, for an embodiment of the present invention provides a kind of structural representations of Information Authentication unit 15 Figure.As shown in figure 5, the described information authentication unit 15 of the embodiment of the present invention may include：Identity information verification subelement 151, Face information verifies 153 at least one subelement of subelement 152 and address information verification subelement.

Identity information verifies subelement 151, for obtaining the personally identifiable information on application message platform in log-on message, The corresponding target personally identifiable information of the personally identifiable information is obtained from mobile phone operators, and detects the target personal identification Whether information and the personally identifiable information in the log-on message are identical.

Specifically, identity information verification subelement 151 obtains the personal identification letter on application message platform in log-on message Breath obtains the corresponding target personally identifiable information of the personally identifiable information from mobile phone operators, and it is personal to detect the target Whether identity information and the personally identifiable information in the log-on message are identical, it is to be understood that identity information is verified Subelement 151 obtains contact information from the personally identifiable information of log-on message, and the contact is obtained from mobile phone operators The corresponding target personally identifiable information of mode information, the target personally identifiable information include name information, identification card number information, The target personally identifiable information is detected again and whether the personally identifiable information in the log-on message is identical.

Face information verifies subelement 152, the face information for obtaining user, by the face information and the target Identity card picture information in personally identifiable information is compared.

Specifically, face information verification subelement 152 obtains the face information of user, by the face information and the mesh Identity card picture information in mark personally identifiable information is compared, it is to be understood that face information is verified subelement 152 and adjusted With camera either photographing device, the face information of user is obtained, by the authenticity of face OCR identification verification users, and The face information and the identity card picture information in the target personally identifiable information are compared.

Address information verifies subelement 153, the real-time address information for obtaining user by positioning in real time, described in detection Whether real-time address information is identical as described address information.

Specifically, address information verifies the real-time address information that subelement 153 obtains user by positioning in real time, institute is detected It is whether identical as described address information to state real-time address information, it is to be understood that address information is verified subelement 153 and used GPS obtains the real-time address information of user, and it is whether identical as described address information to detect the real-time address information.

If notification unit 16 generates user information, the log-on message for being verified according to the log-on message Including at least one of personally identifiable information, personal characteristic information information.

If specifically, being verified, notification unit 16 generates user information according to the log-on message, it is possible to understand that It is that the log-on message includes at least one of personally identifiable information, personal characteristic information information, if the log-on message is logical Verification is crossed, business data processing equipment then generates user information according to the log-on message.

Specifically, please also refer to Fig. 6, for an embodiment of the present invention provides a kind of structures of user credit generation unit 12 Schematic diagram.As shown in fig. 6, the user credit generation unit 12 of the embodiment of the present invention may include：History consumer record obtains Subelement 121, the first consumer record is taken to obtain subelement 122, the second consumer record obtains subelement 123 and user credit generates Subelement 124.

History consumer record obtains subelement 121, for obtaining the user information pair on the application message platform The history consumer record answered, the consumer record include spending amount information, consumption frequency information.

Specifically, history consumer record obtains subelement 121 obtains the user information on the application message platform Corresponding history consumer record, the consumer record include spending amount information, consume frequency information, user's evaluation information, can With understanding, history consumer record obtains subelement 121 and obtains the user information correspondence on the application message platform History consumer record, the spending amount information includes the single amount information of consumption and overall consumption amount information, described disappears Take that frequency information includes the temporal information of customer consumption and consumption number of times information, the user's evaluation information are users to business number It is believed that breath uses feedback.

First consumer record obtains subelement 122, is used for according to the personally identifiable information in the user information, from mobile phone Operator obtains corresponding first consumer record of the personally identifiable information.

Specifically, the first consumer record obtains subelement 122 according to the personally identifiable information in the user information, from hand Machine operator obtains corresponding first consumer record of the personally identifiable information, it is to be understood that the first consumer record obtains Subelement 122 obtains contact information from the personally identifiable information of log-on message, and the contact is obtained from mobile phone operators Corresponding first consumer record of mode information, first consumer record include spending amount information, consumption frequency information, user Evaluation information.

Second consumer record obtains subelement 123, disappears the second of shopping at network platform for obtaining the user information Take record.

Specifically, the second consumer record obtains subelement 123, the user information is obtained the second of shopping at network platform Consumer record, it is to be understood that the second consumer record obtains subelement 123 according to the user information, using crawler technology, The user information is obtained in the second consumer record of shopping at network platform, second consumer record includes spending amount letter Breath, consumption frequency information, user's evaluation information.

User credit generates subelement 124, for according to the history consumer record, first consumer record and second Consumer record generates user credit information associated with the user information.

Specifically, user credit generates subelement 124 according to the history consumer record, first consumer record and the Two consumer records generate user credit information associated with the user information, it is to be understood that user credit generates son Unit 124 generates user credit information, institute according to the history consumer record, first consumer record and the second consumer record It is a kind of evaluation index to user information to state user credit information.

Specifically, please also refer to Fig. 7, for an embodiment of the present invention provides a kind of structures of accrediting amount acquiring unit 13 Schematic diagram.As shown in fig. 7, the accrediting amount acquiring unit 13 of the embodiment of the present invention may include：History spending amount is believed Breath obtains subelement 131, pricing information obtains subelement 132, the consumption of the first spending amount acquisition of information subelement 133, second Amount information obtains subelement 134 and the accrediting amount obtains subelement 135.

History spending amount acquisition of information subelement 131, for extracting history consumption gold in the history consumer record Volume information.

Specifically, history spending amount acquisition of information subelement 131 extracts history consumption in the history consumer record Amount information, it is to be understood that the consumer record includes spending amount information, consumes frequency information, user's evaluation information, History spending amount acquisition of information subelement 131 extracts history spending amount information in the history consumer record, described to disappear Expense amount information includes the single amount information and overall consumption amount information of consumption.

Pricing information obtains subelement 132, and the facility information logged in for obtaining the user information is set described in acquisition The corresponding pricing information of standby information.

Specifically, pricing information, which obtains subelement 132, obtains the facility information that the user information is logged in, described in acquisition The corresponding pricing information of facility information, it is to be understood that it is current that pricing information acquisition subelement 132 obtains the user information The facility information logged in, the equipment can be smart mobile phone, computer either other mobile devices, and institute is obtained from network State the corresponding pricing information of facility information.

First spending amount acquisition of information subelement 133, for according to the personally identifiable information in the user information, from The corresponding first spending amount information of the personally identifiable information is obtained in first consumer record.

Specifically, the first spending amount acquisition of information subelement 133 is according to the personally identifiable information in the user information, The corresponding first spending amount information of the personally identifiable information is obtained from first consumer record, it is to be understood that First consumer record includes the first spending amount information, consumption frequency information, user's evaluation information, the first spending amount letter Breath obtains subelement 133 and obtains the corresponding first spending amount letter of the contact information from first consumer record Breath.

Second spending amount acquisition of information subelement 134, for obtaining user's letter from second consumer record Cease corresponding second spending amount information.

Specifically, the second spending amount acquisition of information subelement 134 is remembered according to the user information from second consumption The corresponding second spending amount information of the user information is obtained in record, it is to be understood that second consumer record includes Second spending amount information, consumption frequency information, user's evaluation information, the second spending amount acquisition of information subelement 134 is from institute It states and obtains the corresponding second spending amount information of the user information in the second consumer record.

The accrediting amount obtains subelement 135, for according to the history spending amount information, pricing information, described First spending amount information, the second spending amount information, personal characteristic information and user credit acquisition of information and the use The associated accrediting amount information of family information.

Specifically, the accrediting amount obtains subelement 135 according to the history spending amount information, the pricing information, institute State the first spending amount information, the second spending amount information, personal characteristic information and user credit acquisition of information with it is described The associated accrediting amount information of user information, it is to be understood that the accrediting amount obtains subelement 135 and passes through to the history Spending amount information, the pricing information, the first spending amount information, the second spending amount information, user credit The comprehensive descision of information, the age of user, gender information and the occupational information of user and academic information, obtains and the use The associated accrediting amount information of family information.

Processing unit 14 by stages are less than or equal to the accrediting amount for the business amount information when the business information Information is handled the business amount information of the business information by stages；When the business amount information of the business information is big In the accrediting amount information, the excess business amount information of the accrediting amount information will be more than in the business amount information It is deducted from the account indicated by the user information, and the accrediting amount information is handled by stages.

Specifically, processing unit 14 is when the business amount information of the business information is less than or equal to the credit volume by stages Information is spent, the business amount information of the business information is handled by stages；When the business amount information of the business information More than the accrediting amount information, the excess business amount of money that the accrediting amount information is more than in the business amount information is believed Breath is deducted from the account indicated by the user information, and the accrediting amount information is handled by stages, it is possible to understand that , when the business amount information of the business information is less than or equal to the accrediting amount information, then processing unit 14 by stages Whole business amount informations can be handled by stages, when the business amount information of the business information is more than the credit Amount information, by stages processing unit 14 accrediting amount message part described in the business amount information can only be located by stages Reason, the excess business amount information beyond accrediting amount information cannot be handled by stages in the business amount information, can be with It is deducted from the account indicated by the user information；If the accrediting amount information intended application other business information or Person has been completely used for handling business information by stages in terminal applies in other answer of application message platform, then the use Family information cannot be handled by stages again, if the accrediting amount information intended application other business information or answering There is part accrediting amount information to handle business information by stages with other answer in terminal applies of information platform, then it is described to award Business information cannot be handled by stages in the accrediting amount handled by stages in letter amount information, the user information is only The accrediting amount not handled by stages in the accrediting amount can be used to be handled by stages.

Wherein, the acquisition request unit 11 of 11 embodiment shown in Figure 3 of acquisition request unit of the embodiment of the present invention It specifically describes, herein without repeating.

Fig. 8 is referred to, for an embodiment of the present invention provides the structural schematic diagrams of a kind of electronic equipment.As shown in figure 8, this hair The electronic equipment of bright embodiment may include：Shell 800, circuit board 801, processor 802, communication bus 803, input are set Standby 804, output equipment 805 and memory 808, wherein circuit board 801 is placed in the space interior that shell 800 surrounds, processor 802, communication bus 803, memory 806, input equipment 804 and output equipment 805 are arranged on circuit board 801；Communication bus 803 for realizing the connection communication between these components.Wherein, memory 806 can be high-speed RAM memory, can also be Non-labile memory (non-volatile memory), for example, at least a magnetic disk storage.Memory 806 is optional It can also be at least one storage device for being located remotely from aforementioned processor 802.Wherein, processor 802 can combine Fig. 3-7 institutes The business information processing equipment of description stores executable program code in memory 806；And processor 802 is stored by reading The executable program code stored in device 806 runs program corresponding with executable program code, for executing following step Suddenly：

The processing by stages that control input equipment 804 obtains the business information for being directed to intended application in application message platform is asked It asks, the request of processing by stages carries the service identification of the user information and the business information that log in application message platform；

Control input equipment 804 obtains the corresponding history consumption note of the user information on the application message platform Record generates user credit information associated with the user information according to the history consumer record；

Control input equipment 804 extracts history spending amount information in the history consumer record, according to the user Credit information and history spending amount acquisition of information accrediting amount information associated with the user information；

Output equipment 805 is controlled to carry out the business information according to the accrediting amount information and the service identification It handles by stages.

In an alternate embodiment of the invention, control processor 802 calls the executable program code stored in memory 806 to execute Specific following operation：

The log-on message inputted in application message platform is obtained, and the log-on message is verified；

If being verified, user information is generated according to the log-on message, the log-on message includes personal identification letter At least one of breath, personal characteristic information information.

In an alternate embodiment of the invention, control processor 802 calls the executable program code stored in memory 806 to execute The log-on message is verified, it is specific to execute following at least one operation：

The personally identifiable information in log-on message on application message platform is obtained, the described person is obtained from mobile phone operators The corresponding target personally identifiable information of part information, and detect the target personally identifiable information with it is described in the log-on message Whether personally identifiable information is identical；

The face information for obtaining user, by the identity card picture in the face information and the target personally identifiable information Information is compared；

In an alternate embodiment of the invention, control processor 802, and call the executable program code stored in memory 806 Execution obtains the corresponding history consumer record of the user information on the application message platform, is consumed and is remembered according to the history Record generates user credit information associated with the user information, specific to execute following operation：

The corresponding history consumer record of the user information, the consumer record packet are obtained on the application message platform Include spending amount information, consumption frequency information；

According to the personally identifiable information in the user information, obtains the personally identifiable information from mobile phone operators and correspond to The first consumer record；

According to the user information, obtain the user information shopping at network platform the second consumer record；

It is generated and the user information according to the history consumer record, first consumer record and the second consumer record Associated user credit information.

In an alternate embodiment of the invention, control processor 802, and call the executable program code stored in memory 806 It executes and extracts history spending amount information in the history consumer record, disappeared according to the user credit information and the history Take amount information and obtains accrediting amount information associated with the user information, it is specific to execute following operation：

History spending amount information is extracted in the history consumer record；

The facility information that the user information is logged in is obtained, the corresponding pricing information of the facility information is obtained；

According to the personally identifiable information in the user information, the personal identification is obtained from first consumer record The corresponding first spending amount information of information；

The corresponding second spending amount information of the user information is obtained from second consumer record；

Disappeared according to the history spending amount information, the pricing information, the first spending amount information, described second Take amount information, personal characteristic information and user credit acquisition of information accrediting amount information associated with the user information.

In an alternate embodiment of the invention, control processor 802, and call the executable program code stored in memory 806 Execution is handled the business information according to the accrediting amount information and the service identification by stages, specific execution with Lower operation：

When the business information business amount information be less than or equal to the accrediting amount information, by the business information Business amount information handled by stages；

When the business information business amount information be more than the accrediting amount information, will be in the business amount information Excess business amount information more than the accrediting amount information is deducted from the account indicated by the user information, and by institute Accrediting amount information is stated to be handled by stages.

One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the program can be stored in a computer read/write memory medium In, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..

The above disclosure is only the preferred embodiments of the present invention, cannot limit the right model of the present invention with this certainly It encloses, therefore equivalent changes made in accordance with the claims of the present invention, is still within the scope of the present invention.

Claims

1. a kind of business data processing method, which is characterized in that including：

The request of processing by stages for the business information of intended application, the processing request by stages are obtained in application message platform Carry the service identification of the user information and the business information that log in application message platform；

The corresponding history consumer record of the user information is obtained on the application message platform, is consumed and is remembered according to the history Record generates user credit information associated with the user information；

History spending amount information is extracted in the history consumer record, is disappeared according to the user credit information and the history Take amount information and obtains accrediting amount information associated with the user information；

2. the method as described in claim 1, which is characterized in that described to be obtained for intended application in application message platform The processing by stages of business information is asked, and the request of processing by stages carries the user information for logging in application message platform and described Before the service identification of business information, further include：

If being verified, user information is generated according to the log-on message, the log-on message includes personally identifiable information, a At least one of people's characteristic information information.

3. method as claimed in claim 2, which is characterized in that it is described that the log-on message is verified, including with down toward Few one kind：

The personally identifiable information in log-on message on application message platform is obtained, the personal identification letter is obtained from mobile phone operators Corresponding target personally identifiable information is ceased, and detects the target personally identifiable information and the individual in the log-on message Whether identity information is identical；

The face information for obtaining user, by the identity card picture information in the face information and the target personally identifiable information It is compared；

Whether the real-time address information that user is obtained by positioning in real time detects the real-time address information and described address information It is identical.

4. method as claimed in claim 2, which is characterized in that described to obtain user's letter on the application message platform Corresponding history consumer record is ceased, generating user credit associated with the user information according to the history consumer record believes Breath, including：

The corresponding history consumer record of the user information is obtained on the application message platform, the consumer record includes disappearing Take amount information, consumption frequency information；

According to the personally identifiable information in the user information, the personally identifiable information corresponding the is obtained from mobile phone operators One consumer record；

Obtain the user information shopping at network platform the second consumer record；

It is generated according to the history consumer record, first consumer record and the second consumer record related to the user information The user credit information of connection.

5. method as claimed in claim 2, which is characterized in that described to extract history consumption gold in the history consumer record Volume information, according to the user credit information and the history spending amount acquisition of information is associated with the user information awards Believe amount information, including：

According to the personally identifiable information in the user information, the personally identifiable information is obtained from first consumer record Corresponding first spending amount information；

According to the history spending amount information, the pricing information, the first spending amount information, the second consumption gold Volume information, personal characteristic information and user credit acquisition of information accrediting amount information associated with the user information.

6. the method as described in claim 1, which is characterized in that described according to the accrediting amount information and the business mark Knowledge handles the business information by stages, including：

When the business information business amount information be less than or equal to the accrediting amount information, by the industry of the business information Business amount information is handled by stages；

When the business information business amount information be more than the accrediting amount information, will be more than in the business amount information The excess business amount information of the accrediting amount information is deducted from the account indicated by the user information, and is awarded described Letter amount information is handled by stages.

7. a kind of business data processing equipment, which is characterized in that including：

Acquisition request unit, the processing by stages for obtaining the business information for being directed to intended application in application message platform are asked It asks, the request of processing by stages carries the service identification of the user information and the business information that log in application message platform；

User credit generation unit, for obtaining the corresponding history consumption note of the user information on the application message platform Record generates user credit information associated with the user information according to the history consumer record；

Accrediting amount acquiring unit, for extracting history spending amount information in the history consumer record, according to the use Family credit information and history spending amount acquisition of information accrediting amount information associated with the user information；

Processing unit by stages, for being divided the business information according to the accrediting amount information and the service identification Phase is handled.

8. equipment as claimed in claim 7, which is characterized in that further include：

Information Authentication unit is carried out for obtaining the log-on message inputted in application message platform, and to the log-on message Verification；

If notification unit generates user information, the log-on message includes for being verified according to the log-on message At least one of people's identity information, personal characteristic information information.

9. equipment as claimed in claim 8, which is characterized in that described information authentication unit includes that following at least one son is single Member：

Identity information verifies subelement, for obtaining the personally identifiable information on application message platform in log-on message, from mobile phone Operator obtains the corresponding target personally identifiable information of the personally identifiable information, and detect the target personally identifiable information with Whether the personally identifiable information in the log-on message is identical；

Face information verifies subelement, the face information for obtaining user, by the face information and the target person Identity card picture information in part information is compared；

Address information verifies subelement, the real-time address information for obtaining user by positioning in real time, described in detection in real time Whether location information is identical as described address information.

10. equipment as claimed in claim 8, which is characterized in that the user credit generation unit includes：

History consumer record obtains subelement, for obtaining the corresponding history of the user information on the application message platform Consumer record, the consumer record include spending amount information, consumption frequency information；

First consumer record obtains subelement, is used for according to the personally identifiable information in the user information, from mobile phone operators Obtain corresponding first consumer record of the personally identifiable information；

Second consumer record obtain subelement, for obtain the user information shopping at network platform the second consumer record；

User credit generates subelement, for being remembered according to the history consumer record, first consumer record and the second consumption Record generates user credit information associated with the user information.

11. equipment as claimed in claim 8, which is characterized in that the accrediting amount acquiring unit includes：

History spending amount acquisition of information subelement, for extracting history spending amount information in the history consumer record；

Pricing information obtains subelement, and the facility information logged in for obtaining the user information obtains the facility information Corresponding pricing information；

First spending amount acquisition of information subelement, for according to the personally identifiable information in the user information, from described the The corresponding first spending amount information of the personally identifiable information is obtained in one consumer record；

Second spending amount acquisition of information subelement, it is corresponding for obtaining the user information from second consumer record Second spending amount information；

The accrediting amount obtains subelement, for according to the history spending amount information, the pricing information, first consumption Amount information, the second spending amount information, personal characteristic information and user credit acquisition of information and the user information phase Associated accrediting amount information.

12. equipment as claimed in claim 7, which is characterized in that the processing unit by stages includes being specifically used for：