CN110135922A - A kind of method and apparatus of business processing - Google Patents

Abstract

The embodiment of the present application provides a kind of method and apparatus of business processing, which comprises the order for receiving user's intended service object initiates instruction；It initiates to instruct for the order, determines whether the user information of the user meets preset condition；If the user information meets preset condition, the first order information is generated；If the user information does not meet preset condition, the second order information is generated.User information in the present embodiment can refer to the personal credit information of user, to by judging whether above-mentioned credit information meets corresponding credit permit standard, user is allowed to make a reservation for above-mentioned target item in the case where exempting from cash pledge, solve the problems, such as that user must branch deposit or security cost in advance in leasehold article in the prior art, the fund cash pledge for alleviating user, improves the utilization rate of article.

Description

A kind of method and apparatus of business processing

Technical field

This application involves field of computer technology, the method and a kind of business processing more particularly to a kind of business processing Device.

Background technique

Lease is a kind of economic behaviour in kind with the debt-credit of certain expense, certain article that lessor is possessed oneself is handed over It is used with tenant, thus to obtain the right for using the article within one period, charter artificial its obtained makes tenant Certain expense or rent need to be paid to lessor with power.By lease behavior, the utilization rate of article can not only be played to It maximizes, additionally it is possible to which effectively save user buys the expenditure of expense caused by identical items.

With the continuous development of e-commerce, also become increasingly for the type of goods of lease and the approach of lease More, user directly can select article in electric business platform, then paying enjoys service.With user in electric business platform lease For travelling class article.User, can be by the mobile WIFI of a particular country of electric business platform selecting, really before journey abroad Surely the number of days rented, and after paying corresponding cash pledge and cost of use, by selecting express delivery to deliver goods to the customers or directly going out Counter service when trip on airport is got, and the mobile WIFI rented just can be used when going on a tour.After user's use, Mobile WIFI can be returned in the way of agreement, after businessman confirms that article is not damaged, also can be returned in time user and formerly be propped up The cash pledge paid.

In general, the cash pledge of leasehold article is suitable with the purchase expense of the article.Therefore in the manner described above, user is leasing The expense of suitable number must be paid before article to businessman, be easy to bring huge financial pressure to user.Moreover, as user and When businessman dispute occurs because of inconsistent to the judgement of article loss, due to user's prepayment cash pledge, also it is easy Cause the benefit damage of user.

Summary of the invention

In view of the above problems, it proposes the embodiment of the present application and overcomes the above problem or at least partly in order to provide one kind A kind of method of the business processing to solve the above problems and a kind of corresponding device of business processing.

To solve the above-mentioned problems, this application discloses a kind of methods of business processing, comprising:

The order for receiving user's intended service object initiates instruction；

It initiates to instruct for the order, determines whether the user information of the user meets preset condition；

If the user information meets preset condition, the first order information is generated, includes in first order information First expense, first expense are the service fee of the business object；

If the user information does not meet preset condition, the second order information is generated, is wrapped in second order information The first expense and the second expense are included, second expense is the security cost of the business object.

To solve the above-mentioned problems, this application discloses a kind of methods of business processing, comprising:

Whether the user information for determining that the order of the intended service object received is initiated in instruction meets preset condition；

If the user information meets preset condition, the first order information is generated, includes in first order information First expense, first expense are the service fee of the business object.

To solve the above-mentioned problems, this application discloses a kind of methods of business processing, comprising:

Receive the request that user rents target item in current business platform；

For the request, the personal credit information of the user is obtained；

Determine whether the personal credit information of the user meets preset requirement；

When the personal credit information of the user meets preset requirement, receive that user signature is default to withhold agreement Instruction；

According to described instruction, Xiang Suoshu user provides the target item；

When the user returns the target item, the current state according to the target item withholds agreement with default Determine cost information；

According to the cost information, Xiang Suoshu user initiates operation of withholing.

To solve the above-mentioned problems, this application discloses a kind of devices of business processing, comprising:

Receiving module, the order for receiving user's intended service object initiate instruction；

It is default to determine whether the user information of the user meets for initiating instruction for the order for determining module Condition；

First generation module generates the first order information for when the user information meets preset condition, and described the It include the first expense in one order information, first expense is the service fee of the business object；

Second generation module, it is described for when the user information does not meet preset condition, generating the second order information It include the first expense and the second expense in second order information, second expense is the security cost of the business object.

To solve the above-mentioned problems, this application discloses a kind of devices of business processing, comprising:

Determining module, for determining that it is whether full that the order of the intended service object received initiates the user information in instruction Sufficient preset condition；

Generation module, for generating the first order information, described first orders when the user information meets preset condition It include the first expense in single information, first expense is the service fee of the business object.

To solve the above-mentioned problems, this application discloses a kind of devices of business processing, comprising:

First receiving module, for receiving user in the request of current business platform rental target item；

Module is obtained, for being directed to the request, obtains the personal credit information of the user；

First determining module, for determining whether the personal credit information of the user meets preset requirement；

Second receiving module, for receiving the user when the personal credit information of the user meets preset requirement The default instruction for withholding agreement of signature；

Module is provided, for according to described instruction, Xiang Suoshu user to provide the target item；

Second determining module, for when the user returns the target item, according to the current of the target item It state and default withhold agreement and determines cost information；

It withholds module, for according to the cost information, Xiang Suoshu user to initiate operation of withholing.

Compared with the background art, the embodiment of the present application includes the following advantages:

The embodiment of the present application, the order by receiving user's intended service object initiates instruction, and determines for the instruction Whether the user information of user meets preset condition, and can be generated if user information meets preset condition only includes the first expense The first order information, second including the first expense and the second expense can be generated if user information is unsatisfactory for preset condition Order information.User information in the present embodiment can refer to the personal credit information of user, and the first expense can be business pair The service fee of elephant, the second expense can be the security cost of business object, thus by judging whether above-mentioned credit information is full The corresponding credit permit standard of foot, allows user to make a reservation for above-mentioned target item in the case where exempting from cash pledge, solves existing In technology user in leasehold article must branch deposit or the problem of security cost in advance, alleviate the fund cash pledge of user, Improve the utilization rate of article.

Detailed description of the invention

Fig. 1 is a kind of step flow chart of the method for business processing of the application one embodiment；

Fig. 2 is the step flow chart of the method for another business processing of the application one embodiment；

Fig. 3 is the step flow chart of the method for another business processing of the application one embodiment；

Fig. 4 is the step flow chart of the method for another business processing of the application one embodiment；

Fig. 5 is a kind of business process map of the method for business processing of the application one embodiment；

Fig. 6 is a kind of structural block diagram of the device of business processing of the application one embodiment；

Fig. 7 is the structural block diagram of the device of another business processing of the application one embodiment；

Fig. 8 is the structural block diagram of the device of another business processing of the application one embodiment.

Specific embodiment

In order to make the above objects, features, and advantages of the present application more apparent, with reference to the accompanying drawing and it is specific real Applying mode, the present application will be further described in detail.

Referring to Fig.1, a kind of step flow chart of the method for business processing of the application one embodiment is shown, specifically may be used To include the following steps:

Step 101, the order for receiving user's intended service object initiates instruction；

In the embodiment of the present application, business object can refer to that user wishes the article rented within a certain period of time or quotient Product.For example, the travel items such as diving dress, mobile WIFI equipment, alternatively, the articles for daily use such as books, charger baby, the present embodiment is to industry The type of business object is not construed as limiting.

It should be noted that this method can be applied to the business processing on line, i.e. user is predetermined in all kinds of electric business platforms Treatment process when article；Also the business processing under line, i.e. place of the user in physical stores when predetermined article be can be applied to Reason process, the present embodiment are not construed as limiting this.

In the embodiment of the present application, the order of user's intended service object, which initiates instruction, can refer to that user wishes to lease mesh Mark the lease request of article.After user is selected wishes the target item rented, it can submit and lease to the provider of the article Request.The provider of target item can be the practical owner of above-mentioned target item, which can be possessed oneself Article display come out, be supplied to other users and rented, and collect corresponding lease expenses or cost of use.

Step 102, it initiates to instruct for the order, determines whether the user information of the user meets preset condition；

It in the embodiment of the present application, can be first to the use after receiving user and making a reservation for the instruction of a certain target item Family is identified or is screened.

In the concrete realization, it after receiving above-metioned instruction, can initiate to obtain user in instruction from the above order first Then mark obtains the user information of active user according to user identifier.Above-mentioned user information can refer to the individual of the user Credit information.

In the embodiment of the present application, personal credit information may include that the user believes in the individual subscriber of specific credit platform Use score value.Above-mentioned specific credit platform can refer to all kinds of reference platforms.

Reference platform is also known as personal credit system, in the system include extensive and accurate consumer information, can with Under the premise of the authorization of family, personal credit is provided to each related side and analyzes product.In general, reference platform can be carved in a manner of credit score Draw the credit of user and situation of honouring an agreement.

In the embodiment of the present application, personal credit information can also include individual subscriber of the user in current business platform Service data information.It carries out comprehensive analysis for example, the behaviors such as consuming, doing shopping in a certain electric business website to the user and obtains The credit information arrived.

In the embodiment of the present application, personal credit information can also include individual subscriber of the user in specific data platform Credit portrait information.The specific data platform can refer to management platform associated with current business platform, the management platform Synthetically individual subscriber credit portrait can be portrayed by being associated with multiple business platforms.

Certainly, the above introduction to personal credit information is only a kind of example, and those skilled in the art can be according to reality It needs to select corresponding information the credit situation of user is assessed or screened, the present embodiment is not construed as limiting this.

In the embodiment of the present application, determine whether the user information of user meets preset requirement and can refer to the determining user Personal credit information whether meet corresponding credit evaluation requirement.

In general, user needs to pay to the owner of article first and leases the object in leasehold article in order to avoid risk The cash pledge of product.Accordingly, it is determined that whether the personal credit information of user, which meets corresponding credit evaluation requirement, can determine the user Whether can be leased in the case where exempting from cash pledge in leasehold article.

In the concrete realization, it when whether the personal credit information for determining user meets corresponding requirements, can determine respectively Whether the individual subscriber credit score of the user is more than or equal to preset threshold, determines the individual subscriber credit portrait information of the user Whether do not include preset negative behavior, and, determine whether the individual subscriber service data information of the user matches pre-set business Rule etc..

For example, being more than a certain score value when reference platform assesses the personal credit of user in a manner of credit score User can consider that credit is good or credit is outstanding, and user of the credit score under a certain score value is it may be considered that credit one As or credit it is poor.Therefore, it can be evaluated as the user that credit score is more than or equal to a certain preset threshold that can exempt from cash pledge user.

For another example, it can relatively accurately reflect user in the individual subscriber credit portrait information obtained from specific data platform Credit situation when carrying out different business operation on multiple business platforms, therefore by judging above-mentioned individual subscriber credit portrait Whether information does not include the negative behaviors such as brush is single, breaks one's promise, and can also be used as and the personal credit information of user is assessed or sieved Choosing.

For another example, user the personal service data information of current business platform can indicate the user carry out with it is current Credit situation when the similar same type business conduct of lease behavior, therefore by judging that the individual subscriber service data information is The pre-set business rules such as the no white list rule for matching business platform, star user policy, can also be to the personal credit of user Information is assessed or is screened.

Certainly, according to the difference of business risk, above-mentioned a certain item, certain two or whole three be can choose in practical applications Item is as the assessment mode to individual subscriber credit.That is, when individual subscriber credit score is more than or equal to preset threshold, individual subscriber Credit portrait information do not include preset negative behavior, and/or, individual subscriber service data information match pre-set business rules when, It is considered that the personal credit information of user meets preset requirement, the present embodiment is not construed as limiting this.

As a kind of example of the application, can with above-mentioned whole three individual subscriber credit is assessed.That is, when using Family personal credit score value be more than or equal to preset threshold, individual subscriber credit portrait information do not include preset negative behavior, and, user When personal service data information matching pre-set business rules, it can determine that the personal credit information of the user meets corresponding requirements, Target item can be leased in the case where exempting from cash pledge.

Step 103, if the user information meets preset condition, the first order information, the first order letter are generated It include the first expense in breath, first expense is the service fee of the business object；

In the embodiment of the present application, the service fee of business object can refer to use of the user after renting a certain article Expense.

In the embodiment of the present application, when the personal credit information of user meets preset requirement, it can determine that the user can With the leasehold article in the case where exempting from cash pledge, and accordingly generate the first order information.

In the concrete realization, before generating the first order information, can also show to user and the first order information phase The preset protocol text matched.The preset protocol text can be a kind of expense and withhold agreement, that is, by signing the agreement, allow Business platform draws the corresponding expense of button after user leases target item and gives back from the personal account of user.

In the concrete realization, user, target item provider and current business can specifically be listed by withholding in agreement puts down The rights and duties that platform tripartite respectively enjoys.User can read it is above-mentioned withhold agreement after, " agree to above-mentioned association by choosing View " or similar control, issuing signature to business platform, this withholds the instruction of agreement, and business platform can receive use in real time Sign the information of the instruction of above-mentioned agreement in family.

In the embodiment of the present application, after user's signature is above-mentioned withholds agreement, it is believed that user was expressly understood that in generation The right that itself should be enjoyed listed in button agreement and the obligation that should be fulfiled, article provider or current business platform can To provide the target item in the first order information to the user, the cash pledge for renting the article is paid in advance without user.

It should be noted that target item provider and current business platform can be same business side, it is also possible to not Same business side.For example, if the electric business platform itself can externally hire out article, user can also be direct for electric business platform Belong to the article of the platform from lease from the electric business platform, it may be considered that target item provider and current business platform can be with It is same business side.If electric business platform allows other sellers and partner hires out article, the object that user is leased on the platform The ownership of product belongs to above-mentioned seller and partner, rather than belongs to the electric business platform, it may be considered that target item provider It is different business side with current business platform, the present embodiment is not construed as limiting this.

Step 104, if the user information does not meet preset condition, the second order information, second order are generated It include the first expense and the second expense in information, second expense is the security cost of the business object.

In the embodiment of the present application, user information, which does not meet preset condition, can refer to that the personal credit information of user is discontented The corresponding credit requirements for sale of foot, the user can not rent above-mentioned article in the case where exempting from cash pledge.

It may include the first expense and the in the second order information at this point it is possible to generate the second order information for the user Two expenses.Above-mentioned first expense is the service fee that user uses the article, and the second expense is that user rents the article Security cost or cash pledge.

Therefore, which should be before renting the article, and to article, the owner pays service fee and security cost.

In the embodiment of the present application, instruction is initiated by receiving the order of user's intended service object, and is directed to the instruction Determine whether the user information of user meets preset condition, can be generated if user information meets preset condition only includes first First order information of expense is can be generated if user information is unsatisfactory for preset condition including the first expense and the second expense Second order information.User information in the present embodiment can refer to the personal credit information of user, and the first expense can be industry It is engaged in the service fee of object, the second expense can be the security cost of business object, thus by judging that above-mentioned credit information is It is no to meet corresponding credit permit standard, allow user to make a reservation for above-mentioned target item in the case where exempting from cash pledge, solves In the prior art user in leasehold article must branch deposit or the problem of security cost in advance, the fund for alleviating user is given as security Gold improves the utilization rate of article.

Referring to Fig. 2, the step flow chart of the method for another business processing of the application one embodiment is shown, specifically It may include steps of:

Step 201, the order for receiving user's intended service object initiates instruction；

It should be noted that this method can be applied to the business processing on line, also can be applied at the business under line Reason.In order to make it easy to understand, the present embodiment is to carry out subsequent introduction for being on line the business processing of electric business platform.

In the embodiment of the present application, business object can refer to the article that user wishes to rent within a certain period of time.For example, The travel items such as diving dress, mobile WIFI equipment, alternatively, the articles for daily use such as books, charger baby.The present embodiment is with business object Subsequent introduction is carried out for mobile WIFI equipment.

In the concrete realization, when user prepare overseas trip when, a mobile WIFI of electric business platform selecting can be passed through Equipment, the movement WIFI equipment can provide a user certain data traffic in respective country, so that user is in foreign countries Corresponding data service can be enjoyed.

It is only needed generally, due to user using to above-mentioned mobile WIFI equipment within a few days gone abroad, therefore, which can With the charter business provided by electric business platform, the movement WIFI equipment is rented in selection within the corresponding period, and need not purchase The article.

In the concrete realization, user can get multiple models by way of the country of screening destination in electric business platform Mobile WIFI equipment, and it is therein a by selecting, input corresponding use date, initiation makes a reservation for the movement WIFI equipment Instruction.

Step 202, it initiates to instruct for the order, determines whether the user information of the user meets preset condition；

In the embodiment of the present application, the user information of user can be personal credit information, which can be with The individual subscriber credit portrait information of individual subscriber credit score, specific data platform including specific credit platform, and, when Individual subscriber service data information of preceding business platform etc..

In the embodiment of the present application, specific credit platform can refer to all kinds of reference platforms.Therefore, to receive user pre- It after the instruction of fixed above-mentioned mobile WIFI equipment, can initiate obtain user identifier in instruction from the above order, and by user identifier It is sent to specific credit platform.

In general, user identifier generally has uniqueness.For example, user identifier can be the ID card No. of user, or with Associated unique User ID of business platform etc., the present embodiment is not construed as limiting this.

Then, current business platform can receive the use for the user that specific credit platform is returned according to above-mentioned user identifier Family personal credit score value.Individual subscriber credit score can intuitively embody the credit situation of the user by way of numerical value. In general, credit score is higher, the credit situation of user is better.

In the embodiment of the present application, it is flat can to refer to that user currently carries out the electric business that charter business places an order for current business platform Platform.Therefore, after receiving user and making a reservation for the instruction of above-mentioned mobile WIFI equipment, can according to the user identifier in the instruction, The user is acquired in the business conduct information of current business platform, and according to collected business conduct information, generates user People's service data information.

In the concrete realization, user can refer to that user is passing in the electric business in the business conduct information of current business platform The behaviors such as consumed, done shopping on platform, by the comprehensive analysis to above-mentioned behavior, the available user credit situation that embodies Individual subscriber service data information.

In the embodiment of the present application, individual subscriber service data information may include whether the user belongs to white list use Family, if belong to star user of this platform etc., the present embodiment is not construed as limiting this.

In the embodiment of the present application, specific data platform can be enterprise security data associated with current business platform Library, the database can not only collect the business information of current business platform, can also collect the business letter of other business platforms Breath.It therefore, can also be for user's mark in the instruction after receiving user and making a reservation for the instruction of above-mentioned mobile WIFI equipment Know, obtains the individual subscriber credit portrait information of specific data platform, above-mentioned individual subscriber credit portrait information can be by above-mentioned Specific data platform is generated according to business conduct of the user on multiple business platforms.

Certainly, the mode of several acquisition individual subscriber credit informations listed above is only a kind of example, art technology Personnel can select corresponding information according to actual needs and the credit situation of user is assessed or screened, and the present embodiment is to this It is not construed as limiting.

In the embodiment of the present application, determine whether the user information of user meets preset condition and can refer to the determining user Personal credit information whether meet corresponding credit evaluation requirement.

In the concrete realization, it when whether the personal credit information for determining user meets corresponding requirements, can determine respectively Whether the individual subscriber credit score of the user is more than or equal to preset threshold, determines the individual subscriber credit portrait information of the user Whether do not include preset negative behavior, and, determine whether the individual subscriber service data information of the user matches pre-set business Rule etc..

For example, it may be determined that the individual subscriber credit score of the user whether more than 85 points, determines the user of the user Whether do not include the negative behaviors such as brush is single, cancels an order without reason in people's credit portrait information, determines the individual subscriber industry of the user Whether business data information matches etc. with the star user policy or white list user policy of business platform.

In the embodiment of the present application, it can be can choose in practical applications above-mentioned a certain according to the difference of business risk Item, certain two or whole three are as the assessment mode to individual subscriber credit.That is, when individual subscriber credit score is more than or equal to Preset threshold, individual subscriber credit portrait information do not include preset negative behavior, and/or, individual subscriber service data information When with pre-set business rules, it is believed that the personal credit information of user meets preset requirement.

When the personal information of user meets preset requirement, step 203 can be executed；When the personal information of user does not meet When preset requirement, step 208 can be executed.

Step 203, when the personal information of the user meets preset requirement, Xiang Suoshu user shows to order with described first The preset protocol text that single information matches；

It in the embodiment of the present application, can be when above-mentioned three credit evaluation modes meet preset requirement simultaneously, it is believed that should The personal information of user meets preset requirement.

That is, individual subscriber credit portrait information does not include presetting when individual subscriber credit score is more than or equal to preset threshold Negative behavior, and, when individual subscriber service data information matches pre-set business rules, it can determine the personal credit letter of the user Breath meets corresponding requirements, and the credit of the user is good, so that the provider of business platform or mobile WIFI equipment can exempt to give as security The user is allowed to rent above-mentioned mobile WIFI equipment in the case where gold.

In the embodiment of the present application, when the credit for determining user is good, can show to the user with target item i.e. The preset protocol text that above-mentioned mobile WIFI equipment matches, and agreement corresponding with user signature.The preset protocol text It can be a kind of expense and withhold agreement, that is, by signing the agreement, business platform is allowed to lease target item in user and giving back Afterwards, the corresponding expense of button is drawn from the personal account of user.

Step 204, the instruction that the user signs the preset protocol text is received；

In the concrete realization, user, mobile WIFI equipment provider and current industry can specifically be listed by withholding in agreement The rights and duties that business platform tripartite respectively enjoys.User can read it is above-mentioned withhold agreement after, by choose " agree to it is above-mentioned Agreement " or similar control, issuing signature to business platform, this withholds the instruction of agreement.

Step 205, the first order information is generated；

In the embodiment of the present application, after user's signature is above-mentioned withholds agreement, it is believed that user was expressly understood that in generation The right that itself should be enjoyed listed in button agreement and the obligation that should be fulfiled, mobile WIFI equipment provider or current industry Business platform can be generated only include the first expense i.e. the first order information of the service fee of the movement WIFI equipment, and from this After the personal account of user collects service fee, the target item in above-mentioned first order information is provided to user.

When providing target item, user can choose receives mobile WIFI equipment provider by way of express delivery delivery The above-mentioned mobile WIFI equipment provided, can also receive above-mentioned mobile WIFI in such a way that the when and where in agreement is asked for Equipment, the present embodiment are not construed as limiting this.

Step 206, when the user returns the target item, the current state determination according to the target item is It is no to execute operation of withholing；

In the embodiment of the present application, operation of withholing can be finger for target item whether damage determined by lose take into Capable withholds.

In the concrete realization, after user returns above-mentioned mobile WIFI equipment, mobile WIFI equipment provider can be to industry Business platform provides the current state of above-mentioned mobile WIFI equipment and according to the current state of the movement WIFI equipment it is confirmed that no The information withholdd.

Step 207, that collects the target item from the personal account of the user loses expense；

In the embodiment of the present application, it after determining that needs collect the expense of losing, can be detained from the personal account of user Money above-mentioned loses expense to collect.

Certainly, if the mobile WIFI equipment returned is intact, the expense of losing can be zero, then do not need to withhold.

In a kind of example of the application, when user leads to divergence or entangles with regard to cost information with mobile WIFI equipment provider When confused, it can apply for that business platform arbitrates disagreement or dispute as third party.

For example, can exist with regard to user when mobile WIFI equipment provider is after checking the mobile WIFI equipment that user returns Whether damage the article in use process to be determined, thus it requires expense is lost in user's payment accordingly.If user thinks mobile The judgement of WIFI equipment provider is wrong, can be to business platform filing of the award.

In the concrete realization, business platform can lose the secondary of expense for what target item provider determined receiving user After cutting out request, according to above-mentioned requests for arbitration, the current state by current business platform according to target item redefines the expense of losing, Then operation of withholing is initiated according to the expense of losing redefined.

In the embodiment of the present application, initiate to withhold operate when, preset protocol text can be first depending on and above-mentioned lost Take, determine the personal account of user, operation of withholing then is initiated to the personal account of the user.

Step 208, if the user information does not meet preset condition, the second order information is generated；

In the embodiment of the present application, any one can does not meet preset requirement in above-mentioned three credit evaluation modes When, it is believed that the personal information of the user does not meet preset requirement.

That is, being more than or equal to preset threshold in individual subscriber credit score, alternatively, individual subscriber credit portrait information does not include Negative behavior is preset, alternatively, when thering is any one not meet in individual subscriber service data information matching pre-set business rules, it can To determine that the personal credit information of the user does not meet corresponding requirements, the credit of the user is poor, so that user cannot exempt from Above-mentioned mobile WIFI equipment is rented in the case where cash pledge.

At this point it is possible to determine first expense of movement WIFI equipment and the second expense that user rents, above-mentioned first expense It can be the service fee that user rents the movement WIFI equipment, and the second expense is then the Guarantee fee of the movement WIFI equipment With.It is then possible to generate the second order information according to the first expense and the second expense.

For example, daily service fee is 30 yuan, Yong Huxi if the security cost of every mobile WIFI equipment is 500 yuan It hopes and rents the movement WIFI equipment totally 5 days, then the first expense and the second expense for including in the second order information are Guarantee fee With the sum of with service fee, totally 650 yuan.

Step 209, after collecting the service fee and security cost from the personal account of the user, Xiang Suoshu user Provide the target item in second order information.

It in the embodiment of the present application, can be in Xiang Yidong when the personal credit information of user is unsatisfactory for requiring accordingly After the provider of WIFI equipment or business platform pay corresponding expense, above-mentioned mobile WIFI equipment is rented.

In the embodiment of the present application, when user returns target item, can also according to target item current state it is true It is fixed whether to execute operation of withholing.When needing to withhold, can determine the expense of losing of target item first, and determine security cost with The differential cost between expense is lost, right rear line returns above-mentioned differential cost.

In the specific implementation, mobile WIFI equipment provider can be to business after user returns above-mentioned mobile WIFI equipment Platform provides the current state of above-mentioned mobile WIFI equipment and loses expense according to what the current state of the movement WIFI equipment determined. Business platform is determined in the current state for getting above-mentioned mobile WIFI equipment and according to the current state of the movement WIFI equipment Lose expense after, can to the user initiate reimbursement operation.

In the embodiment of the present application, differential cost can be the cash pledge and mobile WIFI equipment offer root paid to user The difference lost between expense determined according to article condition；It may also mean that the practical expense paid of user and usage charges and lose expense Between difference.

For example, mobile WIFI equipment provider is after checking the article that user returns, it is believed that the movement WIFI equipment by with Family is damaged, and user is needed to pay 50 yuan of expense of losing, then in the case where user has paid 500 yuan of cash pledges, should be returned to The differential cost of user is 500-50=450 member.

Alternatively, mobile WIFI equipment provider is after checking the article that user returns, it is believed that the movement WIFI equipment by with Family is damaged, and user is needed to pay 50 yuan of expense of losing, then user is practical paid 650 yuan of expenses in the case where, should move back The differential cost for returning user is 650-30*5-50=450 member, wherein 150 yuan use the reality of the movement WIFI equipment for user Border usage charges.

Certainly, when user just loses expense and article provider disagreement or dispute occurs, can also apply business platform into Row arbitration, the present embodiment repeat no more this.

In the embodiment of the present application, after determining that the differential cost of user should be returned to, business platform can to The former payment account of family paying returns above-mentioned difference, to terminate this transaction.

In the embodiment of the present application, when the personal credit information of user meets corresponding credit requirements for sale, Ke Yi Exempt to rent corresponding article from business platform in the case where cash pledge, and after giving back article, by business platform according to article whether Damage determines the need for drawing to detain from the account of user losing expense accordingly, avoids due to needing prepayment article Cash pledge gives user's bring financial pressure；Secondly, in the present embodiment, when user and article provider just lose expense and disagreement occur When, it can be to business platform filing of the award, expense of just being lost by third party re-starts determination, has ensured user's right.

Referring to Fig. 3, the step flow chart of the method for another business processing of the application one embodiment is shown, specifically It may include steps of:

Step 301, it is pre- to determine whether the user information in the order initiation instruction of the intended service object received meets If condition；

Step 302, if the user information meets preset condition, the first order information, the first order letter are generated It include the first expense in breath, first expense is the service fee of the business object.

Step 303, if the user information does not meet preset condition, the second order information, second order are generated It include the first expense and the second expense in information, second expense is the security cost of the business object.

By step 101- step 104 and step in step 301- step 303 in this present embodiment and above-described embodiment 201- step 209 is similar, can be mutually refering to the present embodiment repeats no more this.

Referring to Fig. 4, the step flow chart of the method for another business processing of the application one embodiment is shown, specifically It may include steps of:

Step 401, the request that user rents target item in current business platform is received；

Step 402, for the request, the personal credit information of the user is obtained；

Step 403, determine whether the personal credit information of the user meets preset requirement；

Step 404, it when the personal credit information of the user meets preset requirement, receives the user and signs default generation Detain the instruction of agreement；

Step 405, according to described instruction, Xiang Suoshu user provides the target item；

Step 406, when the user returns the target item, according to the current state of the target item and default It withholds agreement and determines cost information；

Step 407, according to the cost information, Xiang Suoshu user initiates operation of withholing.

In the embodiment of the present application, user can rent target item in specific transactions platform.Above-mentioned business platform can be with For the lease request of user, the personal credit information of the user is obtained in time, and judges whether the credit information meets phase The credit requirements for sale answered.If so, user can be allowed by way of withholding agreement with user signature in order to avoid cash pledge Mode rents above-mentioned target item.It, can be true according to service condition of the user to article after returning rented article in user Fixed corresponding expense, and agreement is withheld according to what is formerly signed by business platform, the corresponding gold of button is drawn from the personal account of user The expense of volume.

It is similar with step 201- step 209 in above-described embodiment by step 401- step 407 in this present embodiment, therefore this Embodiment describes this fairly simple, and correlative detail can be refering to the description of step 201- step 209 in above-described embodiment.

In order to make it easy to understand, being made a presentation below with a complete example to the method for the business processing of the present embodiment.

As shown in figure 5, being a kind of business process map of the method for business processing of the application one embodiment.In Fig. 5, When user rents a certain article, business platform can first be inquired the personal credit information of user, to determine the use Whether family meets corresponding credit entry criteria.

If user does not meet above-mentioned credit entry criteria, preparatory branch deposit and corresponding cost of use are needed, so After could rent the article.If user meets above-mentioned credit entry criteria, can be signed by business platform and the user Agreement is withheld, user is allowed to rent above-mentioned article in the case where exempting from cash pledge.

It, can be by article provider after user gives back the article if user rents article in the case where exempting from cash pledge Article is detected, whether confirmation article is intact.If the confirmed article is intact, can only draw button user's use should The usage charges of article.If the confirmed article has damage, initiated usage charges by article provider and lost expense to withhold.

When article provider initiates usage charges and loses expense and withhold, if user thinks the judgement of article provider, industry Business platform directly basis can withhold stroke button that agreement carries out corresponding expense.If user does not approve the judgement of article provider, Above-mentioned expense of losing can then be determined again by business platform to business platform filing of the award.

After business platform is arbitrated, if arbitration result supports article provider opinion, business platform can basis Agreement is withheld to draw the corresponding usage charges of button from the personal account of user and lose expense.If arbitration result supports consumers' opinions, Business platform can draw the corresponding usage charges of button according to agreement is withheld from the personal account of user.

It should be noted that for simple description, therefore, it is stated as a series of action groups for embodiment of the method It closes, but those skilled in the art should understand that, the embodiment of the present application is not limited by the described action sequence, because according to According to the embodiment of the present application, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art also should Know, the embodiments described in the specification are all preferred embodiments, and related movement not necessarily the application is implemented Necessary to example.

Referring to Fig. 6, a kind of structural block diagram of the device of business processing of the application one embodiment is shown, it specifically can be with Including following module:

Receiving module 601, the order for receiving user's intended service object initiate instruction；

It is pre- to determine whether the user information of the user meets for initiating instruction for the order for determining module 602 If condition；

First generation module 603, for generating the first order information, institute when the user information meets preset condition Stating includes the first expense in the first order information, and first expense is the service fee of the business object；

Second generation module 604, for generating the second order information when the user information does not meet preset condition, It include the first expense and the second expense in second order information, second expense is the Guarantee fee of the business object With.

In the embodiment of the present application, described device can also include following module:

User identifier obtains module, obtains user identifier in instruction for initiating from the order；

User profile acquisition module, for obtaining the user information of the user according to the user identifier.

In the embodiment of the present application, the user information can be the personal credit information of user, the personal credit letter Breath may include the individual subscriber credit portrait information of the individual subscriber credit score of specific credit platform, specific data platform, And the individual subscriber service data information of current business platform.

In the embodiment of the present application, the User profile acquisition module can specifically include following submodule:

User identifier sending submodule, for the user identifier to be sent to specific credit platform；

Individual subscriber credit score receiving submodule is returned for receiving the specific credit platform according to the user identifier The individual subscriber credit score of the user returned.

In the embodiment of the present application, the User profile acquisition module can also include following submodule:

Individual subscriber credit portrait acquisition of information submodule, for obtaining specific data platform according to the user identifier Individual subscriber credit draw a portrait information, individual subscriber credit portrait information can be as the specific data platform according to described in User generates in the business conduct of multiple business platforms.

In the embodiment of the present application, the User profile acquisition module can also include following submodule:

Business conduct information collection submodule, for it is flat in current business to acquire the user according to the user identifier The business conduct information of platform；

Individual subscriber service data information generates submodule, for generating the user according to the business conduct information Personal service data information.

In the embodiment of the present application, the determining module 602 can specifically include following submodule

First determines submodule, for determining whether the individual subscriber credit score is more than or equal to preset threshold；

Second determines submodule, for determining whether the individual subscriber credit portrait information does not include presetting negative row For；And

Third determines submodule, for determining whether the individual subscriber service data information matches pre-set business rules.

In the embodiment of the present application, first generation module 603 can specifically include following submodule:

First generates submodule, for being more than or equal to preset threshold, the user in the individual subscriber credit score People's credit portrait information do not include preset negative behavior, and, individual subscriber service data information matching pre-set business rule When then, the first order information is generated.

In the embodiment of the present application, first generation module 603 can also include following submodule:

Preset protocol text shows submodule, for show to the user match with first order information it is pre- If version of an agreement；

Version of an agreement signs command reception submodule, and the finger of the preset protocol text is signed for receiving the user It enables.

In the embodiment of the present application, described device can also include following module:

First charges module, for collecting the service fee from the personal account of the user.

In the embodiment of the present application, described device can also include following module:

First object article provides module, for providing the target item in first order information to the user.

In the embodiment of the present application, described device can also include following module:

First, which withholds, operates determining module, for when the user returns the target item, according to the object The current state of product determines whether to execute operation of withholing；

The expense of losing collects module, for collecting from the personal account of the user described when determining execution is withholdd and operated Target item loses expense.

In the embodiment of the present application, second generation module 604 can specifically include following submodule:

Second generates submodule, and for being less than preset threshold in the individual subscriber credit score, the individual subscriber is believed It include the behavior of preset negative face with portrait information, alternatively, when the individual subscriber service data information mismatches pre-set business rules, Generate the second order information.

In the embodiment of the present application, described device can also include following module:

Second expense and the second charges module, for from the personal account of the user collect the service fee and Security cost；

Second target item provides module, for providing the target item in second order information to the user.

In the embodiment of the present application, described device can also include following module:

Second, which withholds, operates determining module, for when the user returns the target item, according to the object The current state of product determines whether to execute operation of withholing；

Expense determining module is lost, for when determining execution is withholdd and operated, determine the target item to lose expense；

Differential cost determining module, for determining the security cost and the differential cost lost between expense；

Differential cost returns module, for returning the differential cost to the user.

In the embodiment of the present application, described device can also include following module:

Requests for arbitration receiving module, for receiving the user for the requests for arbitration for losing expense；

The expense of losing redefines module, is used for according to the requests for arbitration, by current business platform according to the object The current state of product loses expense described in redefining.

Referring to Fig. 7, the structural block diagram of the device of another business processing of the application one embodiment is shown, specifically may be used To include following module:

Determining module 701, the order for the determining intended service object received, which initiates the user information in instruction, is It is no to meet preset condition；

Generation module 702 generates the first order information for when the user information meets preset condition, and described the It may include the first expense in one order information, first expense can be the service fee of the business object.

Referring to Fig. 8, the structural block diagram of the device of another business processing of the application one embodiment is shown, specifically may be used To include following module:

First receiving module 801, for receiving user in the request of current business platform rental target item；

Module 802 is obtained, for being directed to the request, obtains the personal credit information of the user；

First determining module 803, for determining whether the personal credit information of the user meets preset requirement；

Second receiving module 804, for receiving the use when the personal credit information of the user meets preset requirement The default instruction for withholding agreement of family signature；

Module 805 is provided, for according to described instruction, Xiang Suoshu user to provide the target item；

Second determining module 806, for when the user returns the target item, according to working as the target item It preceding state and default withhold agreement and determines cost information；

Module of withholing 807, for according to the cost information, Xiang Suoshu user to initiate operation of withholing.

For device embodiment, since it is basically similar to the method embodiment, related so being described relatively simple Place illustrates referring to the part of embodiment of the method.

All the embodiments in this specification are described in a progressive manner, the highlights of each of the examples are with The difference of other embodiments, the same or similar parts between the embodiments can be referred to each other.

It should be understood by those skilled in the art that, the embodiments of the present application may be provided as method, apparatus or calculating Machine program product.Therefore, the embodiment of the present application can be used complete hardware embodiment, complete software embodiment or combine software and The form of the embodiment of hardware aspect.Moreover, the embodiment of the present application can be used one or more wherein include computer can With in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of program code The form of the computer program product of implementation.

In a typical configuration, the computer equipment includes one or more processors (CPU), input/output Interface, network interface and memory.Memory may include the non-volatile memory in computer-readable medium, random access memory The forms such as device (RAM) and/or Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is to calculate The example of machine readable medium.Computer-readable medium includes that permanent and non-permanent, removable and non-removable media can be with Realize that information is stored by any method or technique.Information can be computer readable instructions, data structure, the module of program or Other data.The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory techniques, CD-ROM are read-only Memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or Other magnetic storage devices or any other non-transmission medium, can be used for storage can be accessed by a computing device information.According to Herein defines, and computer-readable medium does not include non-persistent computer readable media (transitory media), such as The data-signal and carrier wave of modulation.

The embodiment of the present application is referring to according to the method for the embodiment of the present application, terminal device (system) and computer program The flowchart and/or the block diagram of product describes.It should be understood that flowchart and/or the block diagram can be realized by computer program instructions In each flow and/or block and flowchart and/or the block diagram in process and/or box combination.It can provide these Computer program instructions are set to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing terminals Standby processor is to generate a machine, so that being held by the processor of computer or other programmable data processing terminal devices Capable instruction generates for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram The device of specified function.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing terminal devices In computer-readable memory operate in a specific manner, so that instruction stored in the computer readable memory generates packet The manufacture of command device is included, which realizes in one side of one or more flows of the flowchart and/or block diagram The function of being specified in frame or multiple boxes.

These computer program instructions can also be loaded into computer or other programmable data processing terminal devices, so that Series of operation steps are executed on computer or other programmable terminal equipments to generate computer implemented processing, thus The instruction executed on computer or other programmable terminal equipments is provided for realizing in one or more flows of the flowchart And/or in one or more blocks of the block diagram specify function the step of.

Although preferred embodiments of the embodiments of the present application have been described, once a person skilled in the art knows bases This creative concept, then additional changes and modifications can be made to these embodiments.So the following claims are intended to be interpreted as Including preferred embodiment and all change and modification within the scope of the embodiments of the present application.

Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning Covering non-exclusive inclusion, so that process, method, article or terminal device including a series of elements not only wrap Those elements are included, but also including other elements that are not explicitly listed, or further includes for this process, method, article Or the element that terminal device is intrinsic.In the absence of more restrictions, being wanted by what sentence "including a ..." limited Element, it is not excluded that there is also other identical elements in process, method, article or the terminal device for including the element.

Method to a kind of business processing provided herein and a kind of device of business processing above have carried out in detail It introduces, specific examples are used herein to illustrate the principle and implementation manner of the present application, the explanation of above embodiments It is merely used to help understand the present processes and its core concept；At the same time, for those skilled in the art, according to this The thought of application, there will be changes in the specific implementation manner and application range, in conclusion the content of the present specification is not answered It is interpreted as the limitation to the application.

Claims (22)

1. a kind of method of business processing characterized by comprising

The order for receiving user's intended service object initiates instruction；

It initiates to instruct for the order, determines whether the user information of the user meets preset condition；

If the user information meets preset condition, the first order information is generated, includes first in first order information Expense, first expense are the service fee of the business object；

If the user information does not meet preset condition, the second order information is generated, include the in second order information One expense and the second expense, second expense are the security cost of the business object.

2. the method according to claim 1, wherein being initiated in the order for receiving user's intended service object After instruction, further includes:

It initiates to obtain user identifier in instruction from the order；

The user information of the user is obtained according to the user identifier.

3. according to the method described in claim 2, it is characterized in that, the user information is the personal credit information of user, institute State the individual subscriber credit picture that personal credit information includes the individual subscriber credit score of specific credit platform, specific data platform As information, and/or, the individual subscriber service data information of current business platform.

4. according to the method described in claim 3, it is characterized in that, the use for obtaining the user according to the user identifier Family information, comprising:

The user identifier is sent to specific credit platform；

Receive the individual subscriber credit score for the user that the specific credit platform is returned according to the user identifier.

5. according to the method described in claim 3, it is characterized in that, the use for obtaining the user according to the user identifier Family information, comprising:

According to the user identifier, the individual subscriber credit portrait information of specific data platform, the individual subscriber credit are obtained Information of drawing a portrait is generated according to the user in the business conduct of multiple business platforms by the specific data platform.

6. according to the method described in claim 3, it is characterized in that, the use for obtaining the user according to the user identifier Family information, comprising:

According to the user identifier, the user is acquired in the business conduct information of current business platform；

According to the business conduct information, the individual subscriber service data information is generated.

7. according to the method described in claim 3, it is characterized in that, the user information of the determination user whether meet it is pre- If condition, comprising:

Determine whether the individual subscriber credit score is more than or equal to preset threshold；

Determine whether the individual subscriber credit portrait information does not include presetting negative behavior；And

Determine whether the individual subscriber service data information matches pre-set business rules.

8. if give birth to the method according to the description of claim 7 is characterized in that the user information meets preset condition At the first order information, comprising:

If the individual subscriber credit score is more than or equal to preset threshold, individual subscriber credit portrait information does not include presetting Negative behavior, and, the individual subscriber service data information matches pre-set business rules, then generates the first order information.

9. the method according to claim 1, wherein before the first order information of the generation, further includes:

Show the preset protocol text to match with first order information to the user；

Receive the instruction that the user signs the preset protocol text.

10. according to the method described in claim 9, it is characterized in that, after the first order information of the generation, further includes:

The service fee is collected from the personal account of the user.

11. according to the method described in claim 10, it is characterized in that, being collected in the personal account from the user described After service fee, further includes:

The target item in first order information is provided to the user.

12. according to the method for claim 11, which is characterized in that further include:

When the user returns the target item, the current state according to the target item determines whether to execute the behaviour that withholds Make；

If so, that collects the target item from the personal account of the user loses expense.

If 13. the method according to the description of claim 7 is characterized in that the user information does not meet preset condition, Generate the second order information, comprising:

If the individual subscriber credit score is less than preset threshold, individual subscriber credit portrait information includes preset negative face row Alternatively, the individual subscriber service data information mismatches pre-set business rules, then to generate the second order information.

14. according to the method for claim 13, which is characterized in that after the second order information of the generation, further includes:

The service fee and security cost are collected from the personal account of the user；

The target item in second order information is provided to the user.

15. according to the method for claim 14, which is characterized in that further include:

When the user returns the target item, the current state according to the target item determines whether to execute the behaviour that withholds Make；

If so, the determining target item loses expense；

Determine the security cost and the differential cost lost between expense；

The differential cost is returned to the user.

16. method described in 2 or 15 according to claim 1, which is characterized in that further include:

The user is received for the requests for arbitration for losing expense；

According to the requests for arbitration, described lose is redefined according to the current state of the target item by current business platform Take.

17. a kind of method of business processing characterized by comprising

Whether the user information for determining that the order of the intended service object received is initiated in instruction meets preset condition；

If the user information meets preset condition, the first order information is generated, includes first in first order information Expense, first expense are the service fee of the business object.

18. according to the method for claim 17, which is characterized in that further include:

If the user information does not meet preset condition, the second order information is generated, include the in second order information One expense and the second expense, second expense are the security cost of the business object.

19. a kind of method of business processing characterized by comprising

Receive the request that user rents target item in current business platform；

For the request, the personal credit information of the user is obtained；

Determine whether the personal credit information of the user meets preset requirement；

When the personal credit information of the user meets preset requirement, the default finger for withholding agreement of user's signature is received It enables；

According to described instruction, Xiang Suoshu user provides the target item；

When the user returns the target item, determined according to the current state of the target item and the default agreement that withholds Cost information；

According to the cost information, Xiang Suoshu user initiates operation of withholing.

20. a kind of device of business processing characterized by comprising

Receiving module, the order for receiving user's intended service object initiate instruction；

Determining module determines whether the user information of the user meets preset condition for initiating instruction for the order；

First generation module, for generating the first order information, described first orders when the user information meets preset condition It include the first expense in single information, first expense is the service fee of the business object；

Second generation module generates the second order information for when the user information does not meet preset condition, and described second It include the first expense and the second expense in order information, second expense is the security cost of the business object.

21. a kind of device of business processing characterized by comprising

Determining module, for determine the order of intended service object received initiate the user information in instruction whether meet it is pre- If condition；

Generation module, for when the user information meets preset condition, generating the first order information, the first order letter It include the first expense in breath, first expense is the service fee of the business object.

22. a kind of device of business processing characterized by comprising

First receiving module, for receiving user in the request of current business platform rental target item；

Module is obtained, for being directed to the request, obtains the personal credit information of the user；

First determining module, for determining whether the personal credit information of the user meets preset requirement；

Second receiving module, for when the personal credit information of the user meets preset requirement, receiving user's signature The default instruction for withholding agreement；

Module is provided, for according to described instruction, Xiang Suoshu user to provide the target item；

Second determining module, for the current state when the user returns the target item, according to the target item It withholds agreement with default and determines cost information；

It withholds module, for according to the cost information, Xiang Suoshu user to initiate operation of withholing.