CN110717782B - Electronic resource allocation method and device - Google Patents

Electronic resource allocation method and device Download PDF

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CN110717782B
CN110717782B CN201910872711.0A CN201910872711A CN110717782B CN 110717782 B CN110717782 B CN 110717782B CN 201910872711 A CN201910872711 A CN 201910872711A CN 110717782 B CN110717782 B CN 110717782B
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user
electronic resource
payment
information
electronic
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CN110717782A (en
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范洁
熊一丹
戴建平
张志坤
程穆清
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Koubei Shanghai Information Technology Co Ltd
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Koubei Shanghai Information Technology Co Ltd
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Priority to CN202110038906.2A priority Critical patent/CN112819508B/en
Priority to CN202110042954.9A priority patent/CN112785334A/en
Priority to CN201910872711.0A priority patent/CN110717782B/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

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Abstract

The invention discloses a method and a device for distributing electronic resources. The method comprises the following steps: acquiring a user identifier, and displaying display information of the electronic resource matched with the user identifier on an information display page; receiving a trigger operation aiming at the display information of the electronic resource, and verifying whether a user corresponding to the user identification has a payment tool of the electronic resource; if not, providing a payment tool acquisition entry of the electronic resource for the user corresponding to the user identifier to acquire the payment tool of the electronic resource; and after the condition that the user corresponding to the user identification obtains the payment tool of the electronic resource is monitored, distributing the electronic resource for the user identification. According to the scheme, the display information of the electronic resources is displayed on the information display page, so that the user can know the electronic resources corresponding to each payment channel in advance, and the conversion rate of the electronic resources is improved; and the payment tool corresponding to the electronic resource can be automatically guided to be obtained by the user, so that the product transaction efficiency of the user is improved, and the user experience is improved.

Description

Electronic resource allocation method and device
Technical Field
The invention relates to the technical field of internet, in particular to a method and a device for distributing electronic resources.
Background
With the continuous development of science and technology and society, the appearance of various product transaction platforms greatly facilitates the work and life of people. Currently, people can pay through various payment channels, such as selecting different bank cards to pay, in the process of selecting and purchasing products by using a product transaction platform.
Many payment channels typically provide the user with corresponding electronic coupon vouchers, such as full activity, etc., to enhance the user experience. However, the current product transaction platform displays the electronic coupon provided by each payment channel for the user only in the payment process. For example, the chinese patent application publication No. CN 107507000 a is to obtain an electronic coupon of a payment channel corresponding to a user after receiving a payment request from the user.
By adopting the implementation mode, a user needs to consume a large amount of time in the payment process, and particularly for a plurality of platforms with payment time limitation, the phenomenon of transaction failure caused by more payment overtime can occur, so that the transaction efficiency of a user product is not improved; moreover, the electronic coupon is not beneficial to the effective utilization of the electronic coupon of the payment channel, thereby causing the waste of the electronic coupon release resource.
Disclosure of Invention
In view of the above, the present invention is proposed in order to provide an allocation method and apparatus of electronic resources that overcomes or at least partially solves the above mentioned problems.
According to an aspect of the present invention, there is provided an electronic resource allocation method, including:
acquiring a user identifier, and displaying display information of the electronic resource matched with the user identifier on an information display page;
receiving a trigger operation aiming at the display information of the electronic resource, and checking whether a user corresponding to the user identification has a payment tool of the electronic resource;
if not, providing a payment tool acquisition entry of the electronic resource for a user corresponding to the user identifier to acquire the payment tool of the electronic resource;
and after monitoring that the user corresponding to the user identification obtains the payment tool of the electronic resource, distributing the electronic resource for the user identification.
Optionally, before the verifying whether the user corresponding to the user identifier has the payment instrument for the electronic resource, the method further includes:
acquiring user information and a scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the verifying whether the user corresponding to the user identifier has the payment instrument for the electronic resource further comprises: and if the user corresponding to the user identification has the qualification of getting the electronic resource, verifying whether the user corresponding to the user identification has a payment tool of the electronic resource.
Optionally, the user information corresponding to the user identifier includes: geographical location information and/or credit rating information.
Optionally, if not, the providing the payment instrument acquisition entry of the electronic resource further includes: and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
Optionally, after allocating the electronic resource to the user identifier, the method further includes:
receiving payment triggering operation, and presenting display information of the electronic resources distributed for the user identification on a payment page;
and calling a payment tool of the electronic resource to pay.
Optionally, before the invoking the payment instrument of the electronic resource to pay, the method further includes: acquiring user information and a scene code corresponding to the current user identifier; verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the invoking the payment instrument of the electronic resource to make the payment further comprises: and if the user corresponding to the user identification has the using qualification of the electronic resource, calling a payment tool of the electronic resource to pay.
Optionally, before the displaying information of the electronic resource matched with the user identifier is displayed on the information display page, the method includes:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
Optionally, the displaying the display information of the electronic resource matched with the user identifier on the information display page further includes:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
According to another aspect of the present invention, there is provided an apparatus for allocating electronic resources, comprising:
the display module is suitable for acquiring a user identifier and displaying the display information of the electronic resource matched with the user identifier on an information display page;
the verification module is suitable for receiving the triggering operation of the display information of the electronic resource and verifying whether the user corresponding to the user identification has a payment tool of the electronic resource;
the tool providing module is suitable for providing a payment tool acquisition inlet of the electronic resource if the user corresponding to the user identification does not have the payment tool of the electronic resource, so that the user corresponding to the user identification can acquire the payment tool of the electronic resource;
and the allocation module is suitable for allocating the electronic resource to the user identifier after monitoring that the user corresponding to the user identifier obtains the payment tool of the electronic resource.
Optionally, the apparatus further comprises: the pickup qualification verification module is suitable for acquiring the user information and the scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the verification module is further adapted to, if the verification result of the pickup qualification verification module is yes, further verify whether the user corresponding to the user identifier has the payment instrument of the electronic resource.
Optionally, the user information corresponding to the user identifier includes: geographical location information and/or credit rating information.
Optionally, the tool providing module is further adapted to: and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
Optionally, the apparatus further comprises:
the payment calling module is suitable for receiving payment triggering operation after the electronic resource is distributed to the user identifier, and displaying the display information of the electronic resource distributed to the user identifier on a payment page;
and calling a payment tool of the electronic resource to pay.
Optionally, the apparatus further comprises: the use qualification verification module is suitable for acquiring the user information and the scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the payment calling module is further suitable for calling a payment tool of the electronic resource to pay if the verification result of the usage qualification verification module is positive.
Optionally, the display module is further adapted to: acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
Optionally, the display module is further adapted to:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
According to yet another aspect of the present invention, there is provided a computing device comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction, and the executable instruction enables the processor to execute the operation corresponding to the electronic resource allocation method.
According to still another aspect of the present invention, there is provided a computer storage medium having at least one executable instruction stored therein, the executable instruction causing a processor to perform operations corresponding to the above-mentioned method for allocating electronic resources.
According to the method and the device for distributing the electronic resources, the user identification is obtained firstly, and the display information of the electronic resources matched with the user identification is displayed on the information display page; receiving a trigger operation aiming at the display information of the electronic resource, and verifying whether a user corresponding to the user identification has a payment tool of the electronic resource; if not, providing a payment tool acquisition entry of the electronic resource for the user corresponding to the user identifier to acquire the payment tool of the electronic resource; and after the condition that the user corresponding to the user identification obtains the payment tool of the electronic resource is monitored, distributing the electronic resource for the user identification. According to the scheme, the display information of the electronic resources is displayed on the information display page, so that a user can conveniently know the electronic resources corresponding to each payment channel in advance, and the electronic resource conversion rate of the payment channel is improved; in addition, when the user is determined not to have the payment tool of the acquired electronic resource, the user is automatically guided to obtain the payment tool, so that the product transaction efficiency of the user is improved, and the user experience is improved.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
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Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 is a flowchart illustrating an allocation method of electronic resources according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating an allocation method of electronic resources according to another embodiment of the present invention;
fig. 3 is a functional block diagram of an apparatus for allocating electronic resources according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a computing device provided in an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the invention are shown in the drawings, it should be understood that the invention can be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.
Fig. 1 is a flowchart illustrating an allocation method of electronic resources, which can be applied to a terminal device, according to an embodiment of the present invention. The terminal device may include a mobile phone, a computer, a tablet computer or a reader, etc. As shown in fig. 1, the method comprises the steps of:
and step 110, acquiring a user identifier, and displaying the display information of the electronic resource matched with the user identifier on an information display page.
In this embodiment, a user identifier is first obtained, and display information of electronic resources provided for a user corresponding to the user identifier is determined according to the user identifier. The electronic resource may specifically be an electronic coupon provided by a payment channel, such as a discount coupon provided by a certain bank. Optionally, in the process of determining, according to the user identifier, the display information of the electronic resource provided for the user corresponding to the user identifier, the relevant information of the corresponding user (such as user credit level information, user historical used payment channel, and the like) may be obtained according to the user identifier, and further, based on the relevant information of the user, the display information of the electronic resource matching with the user identifier may be obtained. For example, when the credit rating of the user is low, the high-quality display information of the electronic resource is not provided for the user, so that the smooth implementation of the product transaction is guaranteed.
Further, different from the prior art that the electronic resources corresponding to different payment channels are displayed on the payment page, in this embodiment, the display information of the electronic resources matched with the user identifier is displayed on the information display page, so that the user can conveniently obtain the electronic resources, and the conversion rate of the electronic resources is improved. In a specific implementation process, the information display page may specifically be a display page before a payment stage, such as a product detail page, a preferential information recommendation page, and the like. For example, when a user browses product information through a detail page, presentation information of electronic resources of a certain payment channel corresponding to the user, and the like, may be presented in the product detail page.
Step S120, receiving a trigger operation aiming at the display information of the electronic resource, and verifying whether a user corresponding to the user identification has a payment tool of the electronic resource; if not, go to step S130.
After the information display page displays the display information of the electronic resource matched with the user identification, receiving a trigger operation of the user for the display information of the presented electronic resource, wherein the trigger operation specifically comprises a receiving operation for the electronic resource. The embodiment does not limit the specific type of the triggering operation, for example, the triggering operation may be a click operation, a voice control operation, and the like for the display information of the electronic resource.
Further, after receiving the preset trigger operation for the display information of the electronic resource, the electronic resource is not directly allocated to the user identifier, but whether the user corresponding to the user identifier has a payment instrument of the electronic resource is further verified (for example, whether the user identifier is bound with the payment instrument of the electronic resource is verified), so that the time consumed by the user in the subsequent payment process is reduced, and the occurrence of a transaction failure phenomenon caused by time consumption of payment is avoided.
Step S130, providing a payment instrument acquisition entry of the electronic resource, so that the user corresponding to the user identifier acquires the payment instrument of the electronic resource.
If it is verified in step S120 that the user corresponding to the user identifier does not have the payment instrument of the electronic resource, the payment instrument acquisition entry of the electronic resource may be provided, and the user corresponding to the user identifier may acquire the payment instrument of the electronic resource through the payment instrument acquisition entry. In the actual implementation process, if the user is determined not to have the payment tool of the electronic resource, the user is guided to install and/or bind the payment tool of the electronic resource, so that the subsequent product transaction of the user is guaranteed to be smoothly carried out.
Step S140, after it is monitored that the user corresponding to the user identifier obtains the payment instrument of the electronic resource, the electronic resource is allocated to the user identifier.
After it is monitored that the user corresponding to the user identifier obtains the payment instrument of the electronic resource, the electronic resource is allocated to the user, so that the user is guaranteed to smoothly perform the subsequent payment process, and the conversion rate of the electronic resource is improved.
Therefore, the scheme can display the display information of the electronic resources on the information display page, so that the user can conveniently know the electronic resources corresponding to each payment channel in advance, and the electronic resource conversion rate of the payment channel is improved; in addition, when the user is determined not to have the payment tool of the acquired electronic resource, the user is automatically guided to obtain the payment tool, so that the product transaction efficiency of the user is improved, and the user experience is improved.
Fig. 2 is a flowchart illustrating an allocation method of electronic resources according to another embodiment of the present invention, which is applied to any terminal device. The terminal device may include a mobile phone, a computer, a tablet computer, a reader, or the like, and the method for allocating electronic resources provided in this embodiment is directed to further optimization of the method embodiment shown in fig. 1. As shown in fig. 2, the method comprises the steps of:
step S210, generating electronic resource releasing configuration information.
In this embodiment, in order to facilitate the subsequent steps to quickly and accurately allocate corresponding electronic resources to the user and enable the electronic resources allocated to the user to meet the release requirements of the corresponding payment channel, in this embodiment, an electronic resource release rule corresponding to at least one payment channel is first obtained. For example, usually the same type of bank card (the type of bank card includes a savings card, a credit card, a debit card, etc.) under the same bank configures the corresponding electronic resource releasing rule, in this embodiment, the corresponding payment channel can be represented by the combination of the bank identifier and the bank card type identifier, that is, one payment channel uniquely corresponds to one combination of the bank identifier and the bank card type identifier.
And further, generating corresponding electronic resource release configuration information according to the electronic resource release rule corresponding to each payment channel in the at least one payment channel. Optionally, in order to further improve the allocation efficiency and the allocation accuracy of the electronic resources, in this step, generating corresponding electronic resource delivery configuration information according to an electronic resource delivery rule corresponding to each payment channel in the at least one payment channel specifically includes: and aiming at each electronic resource, generating a release channel and/or a security template corresponding to the electronic resource. The release channel is a special discount mode of the electronic resource, such as a voucher mode, a discount ticket mode and/or a full discount ticket mode; and the coupon template is a display template corresponding to the delivery channel. Thus, in the electronic resource delivery configuration information, each electronic resource has a delivery channel identifier and/or a ticket template identifier that are matched.
Step S220, acquiring the user identification, and displaying the display information of the electronic resource matched with the user identification on the information display page.
In an actual implementation process, the electronic resource delivery can be realized based on the electronic resource delivery configuration information generated in step S210.
In a specific electronic resource releasing process, at least one candidate electronic resource is determined, each candidate electronic resource has a corresponding target releasing group, target releasing group information matched with the user identification is further searched, and display information of the candidate electronic resource corresponding to the target releasing group information matched with the user identification is determined as the display information of the electronic resource displayed on the information display page. For example, for product a, the corresponding candidate electronic resources are "full 100 minus 10", and "full 50 minus 6", while the target delivery group of "full 100 minus 10" is the user group with a credit rating higher than 5; and if the target delivery group of 'full 50 minus 6' is a user group with the credit level higher than 10, acquiring the credit level information of the user through the user identification, and determining that 'full 50 minus 6' is the electronic resource finally displayed on the information display page when the credit level of the user is higher than 10.
Further, after confirming the show information of the electronic resource that information display page shows, show the show information in-process of the electronic resource that information display page shows and user identification assorted, in order to promote the display efficiency of show information, promote user experience, this embodiment specifically is to obtain the security template sign and/or put in the channel sign that corresponds with user identification assorted electronic resource, and then based on the security template sign that electronic resource corresponds and/or put in the channel sign, acquire the show information of this electronic resource fast, finally show the show information of the electronic resource that shows and user identification assorted at information display page.
Step S230, receiving a trigger operation for the display information of the electronic resource, and verifying the eligibility of the user corresponding to the user identifier for the electronic resource.
The specific type of the triggering operation is not limited in this embodiment, for example, the triggering operation may be a drawing operation for electronic resource display information, a lottery operation for preset lottery event display information, or a redemption operation for preset redemption event display information.
After receiving the trigger operation aiming at the display information of the electronic resource, acquiring a verification rule corresponding to the electronic resource, and verifying whether a user corresponding to the user identifier has the qualification of picking up the electronic resource according to the verification rule.
Specifically, in the process of verifying whether the user corresponding to the user identifier has the eligibility for the electronic resource, the user information and the scene code corresponding to the current user identifier are obtained first. The user information corresponding to the user identifier may include geographic location information and/or credit rating information, and the scene code specifically identifies an electronic resource source, for example, the scene code "001" corresponding to the electronic resource in the product detail page in the platform, and the scene code "002" corresponding to the electronic resource in the outsourced page, and so on. Through the setting of the scene code, the electronic resource source is convenient to acquire quickly, so that the configuration convenience of the electronic resource source configuration rule is greatly improved, and the overall flexibility and expandability of the scheme are improved; and further, verifying whether the user corresponding to the user identifier has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identifier. For example, if the eligibility of a certain electronic resource is that the credit rating of the user should be greater than 12, the current geographic location is located in "beijing", and the scene code is "001", and if the user information and the scene code corresponding to the user identifier do not match the eligibility information, it is determined that the user corresponding to the user identifier does not have the eligibility of the electronic resource.
Step S240, when the user corresponding to the user identification is verified to have the qualification of getting the electronic resource, checking whether the user corresponding to the user identification has a payment tool of the electronic resource; if not, go to step S250; otherwise, step S260 is performed.
If it is verified in step S230 that the user corresponding to the user identifier has the eligibility for the electronic resource, it is further verified whether the user corresponding to the user identifier has a payment tool for the electronic resource, so as to improve the payment efficiency of the user and the success rate of the product transaction.
The payment tool of the electronic resource specifically comprises: and the payment tool of the payment channel corresponding to the electronic resource. If the payment channel corresponding to the electronic resource a is a credit card of bank B, the payment tool corresponding to the electronic resource may be a security certificate, a payment plug-in, or an application of the credit card of bank B.
Specifically, in the process of verifying whether the user corresponding to the user identifier has the payment instrument of the electronic resource, whether the user corresponding to the user identifier has the payment instrument of the electronic resource may be determined by whether a preset error code is received. When the preset error code is received, determining that the user corresponding to the user identification does not have the payment tool of the electronic resource; otherwise, determining that the user corresponding to the user identification does not have the payment tool of the electronic resource.
Step S250, providing a payment instrument obtaining entry of the electronic resource, so that the user corresponding to the user identifier obtains the payment instrument of the electronic resource.
If the user corresponding to the user identification is verified not to have the payment tool of the electronic resource, namely if the preset error code is received, the payment tool of the electronic resource is provided with an acquisition inlet, so that the user is guided to install and/or bind the payment tool of the electronic resource, and the subsequent product transaction of the user is guaranteed to be smoothly carried out.
Step S260, the electronic resource is allocated to the user identifier.
In an embodiment, if it is verified in step S240 that the user corresponding to the user identifier does not have the payment instrument of the electronic resource, after it is monitored that the user corresponding to the user identifier obtains the payment instrument of the electronic resource, the electronic resource is allocated to the user identifier, that is, the association relationship between the user identifier and the electronic resource is established.
In another embodiment, if it is verified in step S240 that the user corresponding to the user identifier has the payment instrument for the electronic resource, the electronic resource is directly allocated to the user identifier.
Optionally, in the process of allocating the electronic resource to the user identifier, details of allocation of the electronic resource (such as allocation times and the like) may be recorded, so as to ensure accuracy of allocation of the electronic resource.
And step S270, receiving payment triggering operation, presenting the display information of the electronic resources distributed for the user identification on a payment page, and calling a payment tool of the electronic resources to pay.
And after the user finishes the ordering operation of the product, receiving the payment triggering operation of the user, and presenting a corresponding payment page. In the payment page, presentation information of the electronic resource allocated with the user identification is presented. Optionally, in the process of calling the payment tool of the electronic resource to perform payment, in order to avoid the conflict of the payment channel, other payment tools except the payment tool may be disabled, so as to ensure the smooth proceeding of the product payment of the user.
Optionally, after presenting the display information of the electronic resource allocated to the user identifier, user information and a scene code corresponding to the current user identifier may be further obtained, and whether the user corresponding to the user identifier has the usage qualification of the electronic resource is verified according to the user information and the scene code corresponding to the user identifier. Therefore, the smooth implementation of product transaction of the user is further ensured, and the success rate of product transaction is improved. If the user corresponding to the user identifier is verified to have the use qualification of the electronic resource, a payment tool of the electronic resource is called to perform payment, for example, an application program corresponding to a bank B can be called to complete payment, or a payment certificate or a payment plug-in of the bank B is called in a webpage to complete payment.
Therefore, the display information of the electronic resources is displayed on the information display page, so that the user can conveniently know the electronic resources corresponding to each payment channel in advance, and the improvement of the electronic resource conversion rate of the payment channel is facilitated; in addition, when the payment tool of the electronic resource which is not received by the user is determined to be not available, the user is automatically guided to obtain the payment tool, so that the information transaction efficiency of the user is improved, and the user experience is improved; in addition, in the process of allocating the electronic resources to the user, the embodiment verifies the picking qualification of the user according to the user information and the scene code information, thereby further ensuring the accuracy of electronic resource allocation and avoiding the occurrence of false sending; in addition, in the payment stage, the payment tool of the distributed electronic resources is directly called to carry out payment, so that the payment efficiency of the user is greatly improved, and the user experience is improved.
Fig. 3 is a functional block diagram of an apparatus for allocating electronic resources according to an embodiment of the present invention. As shown in fig. 3, the apparatus includes: a display module 31, a verification module 32, a tool providing module 33 and an assignment module 34.
The display module 31 is adapted to acquire a user identifier and display information of the electronic resource matched with the user identifier on an information display page;
the checking module 32 is adapted to receive a trigger operation for the display information of the electronic resource, and check whether a user corresponding to the user identifier has a payment tool of the electronic resource;
the tool providing module 33 is adapted to provide a payment tool acquisition entry of the electronic resource for the user corresponding to the user identifier to acquire the payment tool of the electronic resource if the user corresponding to the user identifier does not have the payment tool of the electronic resource;
and the allocation module 34 is adapted to allocate the electronic resource to the user identifier after it is monitored that the user corresponding to the user identifier obtains the payment instrument of the electronic resource.
Optionally, the apparatus further comprises: the pickup qualification verification module is suitable for acquiring the user information and the scene code corresponding to the current user identifier; verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the verification module is further adapted to verify whether the user corresponding to the user identifier has the payment tool of the electronic resource if the verification result of the pickup qualification verification module is yes.
Optionally, the user information corresponding to the user identifier includes: geographical location information and/or credit rating information.
Optionally, the tool providing module is further adapted to: and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
Optionally, the apparatus further comprises:
the payment calling module is suitable for receiving payment triggering operation after the electronic resource is distributed to the user identifier, and displaying the display information of the electronic resource distributed to the user identifier on a payment page;
and calling a payment tool of the electronic resource to pay.
Optionally, the apparatus further comprises: the use qualification verification module is suitable for acquiring the user information and the scene code corresponding to the current user identifier; verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the payment calling module is further suitable for calling a payment tool of the electronic resource to pay if the verification result of the usage qualification verification module is positive.
Optionally, the display module is further adapted to:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
Optionally, the display module is further adapted to:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
The specific implementation process of each module in this embodiment may refer to the description of the corresponding part in the method embodiment of fig. 1 and/or fig. 2, which is not described herein again.
Therefore, the display information of the electronic resources is displayed on the information display page, so that the user can conveniently know the electronic resources corresponding to each payment channel in advance, and the improvement of the electronic resource conversion rate of the payment channel is facilitated; in addition, when the user is determined not to have the payment tool of the acquired electronic resource, the user is automatically guided to obtain the payment tool, so that the product transaction efficiency of the user is improved, and the user experience is improved.
An embodiment of the present invention provides a non-volatile computer storage medium, where the computer storage medium stores at least one executable instruction, and the computer executable instruction may execute the method for allocating electronic resources in any of the above method embodiments.
The executable instructions may be specifically configured to cause the processor to:
acquiring a user identifier, and displaying display information of the electronic resource matched with the user identifier on an information display page;
receiving a trigger operation aiming at the display information of the electronic resource, and checking whether a user corresponding to the user identification has a payment tool of the electronic resource;
if not, providing a payment tool acquisition entry of the electronic resource for a user corresponding to the user identifier to acquire the payment tool of the electronic resource;
and after monitoring that the user corresponding to the user identification obtains the payment tool of the electronic resource, distributing the electronic resource for the user identification.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
acquiring user information and a scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
and if so, checking whether the user corresponding to the user identification has the payment tool of the electronic resource.
In an optional manner, the user information corresponding to the user identifier includes: geographical location information and/or credit rating information.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
receiving payment triggering operation, and presenting display information of the electronic resources distributed for the user identification on a payment page;
and calling a payment tool of the electronic resource to pay.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
acquiring user information and a scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
and if so, calling a payment tool of the electronic resource to pay.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
In an alternative, the executable instructions may be specifically configured to cause the processor to:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
Therefore, the display information of the electronic resources is displayed on the information display page, so that the user can conveniently know the electronic resources corresponding to each payment channel in advance, and the improvement of the electronic resource conversion rate of the payment channel is facilitated; in addition, when the payment tool of the electronic resource which is not received by the user is determined to be not available, the user is automatically guided to obtain the payment tool, so that the information transaction efficiency of the user is improved, and the user experience is improved.
Fig. 4 is a schematic structural diagram of a computing device according to an embodiment of the present invention, and the specific embodiment of the present invention does not limit the specific implementation of the computing device.
As shown in fig. 4, the computing device may include: a processor (processor)402, a Communications Interface 404, a memory 406, and a Communications bus 408.
Wherein: the processor 402, communication interface 404, and memory 406 communicate with each other via a communication bus 408. A communication interface 404 for communicating with network elements of other devices, such as clients or other servers. The processor 402 is configured to execute the program 410, and may specifically perform relevant steps in the foregoing embodiment of the method for allocating electronic resources.
In particular, program 410 may include program code comprising computer operating instructions.
The processor 402 may be a central processing unit CPU or an application Specific Integrated circuit asic or one or more Integrated circuits configured to implement embodiments of the present invention. The computing device includes one or more processors, which may be the same type of processor, such as one or more CPUs; or may be different types of processors such as one or more CPUs and one or more ASICs.
And a memory 406 for storing a program 410. Memory 406 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory.
The program 410 may specifically be configured to cause the processor 402 to perform the following operations:
acquiring a user identifier, and displaying display information of the electronic resource matched with the user identifier on an information display page;
receiving a trigger operation aiming at the display information of the electronic resource, and checking whether a user corresponding to the user identification has a payment tool of the electronic resource;
if not, providing a payment tool acquisition entry of the electronic resource for a user corresponding to the user identifier to acquire the payment tool of the electronic resource;
and after monitoring that the user corresponding to the user identification obtains the payment tool of the electronic resource, distributing the electronic resource for the user identification.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
acquiring user information and a scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
and if so, checking whether the user corresponding to the user identification has the payment tool of the electronic resource.
In an optional manner, the user information corresponding to the user identifier includes: geographical location information and/or credit rating information.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
receiving payment triggering operation, and presenting display information of the electronic resources distributed for the user identification on a payment page;
and calling a payment tool of the electronic resource to pay.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
acquiring user information and a scene code corresponding to the current user identifier;
verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
and if so, calling a payment tool of the electronic resource to pay.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
In an alternative manner, the program 410 may specifically be configured to cause the processor 402 to perform the following operations:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
Therefore, the display information of the electronic resources is displayed on the information display page, so that the user can conveniently know the electronic resources corresponding to each payment channel in advance, and the improvement of the electronic resource conversion rate of the payment channel is facilitated; in addition, when the user is determined not to have the payment tool of the acquired electronic resource, the user is automatically guided to obtain the payment tool, so that the product transaction efficiency of the user is improved, and the user experience is improved.
The algorithms or displays presented herein are not inherently related to any particular computer, virtual system, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. In addition, embodiments of the present invention are not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the embodiments of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the invention and aiding in the understanding of one or more of the various inventive aspects.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification, and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except that at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification may be replaced by an alternative feature serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, any of the claimed embodiments may be used in any combination.
The various component embodiments of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functionality of some or all of the components according to embodiments of the present invention. The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the enumeration of several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names. The steps in the above embodiments should not be construed as limiting the order of execution unless specified otherwise.

Claims (16)

1. A method of allocating electronic resources, comprising:
acquiring a user identifier, and displaying display information of electronic resources provided by a payment channel, which is matched with the user identifier, on an information display page; the information display page is a display page before a payment stage; the electronic resource is an electronic coupon certificate provided by a payment channel; the user identification is allocated with the electronic resource; wherein allocating electronic resources for the user identification comprises: before a payment stage, receiving a trigger operation aiming at display information of a preset activity or a trigger operation aiming at display information of the electronic resource, and checking whether a user corresponding to the user identification has a payment tool of the electronic resource; the payment tool of the electronic resource is a payment tool of a payment channel corresponding to the electronic resource; if the user corresponding to the user identification has the payment tool, distributing the electronic resource for the user identification; if the user corresponding to the user identification does not have the payment tool, guiding the user corresponding to the user identification to obtain the payment tool so that the user corresponding to the user identification can be allocated with electronic resources;
and receiving payment triggering operation, and directly calling a payment tool of the electronic resource to carry out payment.
2. The method of claim 1, wherein prior to the verifying whether the user identification corresponds to a user having a payment instrument for the electronic resource, the method further comprises: acquiring user information and a scene code corresponding to the current user identifier, wherein the scene code specifically identifies an electronic resource source;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the verifying whether the user corresponding to the user identifier has the payment instrument for the electronic resource further comprises: and if the user corresponding to the user identification has the qualification of getting the electronic resource, verifying whether the user corresponding to the user identification has a payment tool of the electronic resource.
3. The method of claim 2, wherein the user information corresponding to the user identification comprises: geographical location information and/or credit rating information.
4. The method of claim 1, wherein the directing the user corresponding to the user identifier to obtain the payment instrument further comprises, if the user corresponding to the user identifier does not have the payment instrument:
and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource to guide a user corresponding to the user identification to acquire the payment tool.
5. The method of claim 1, wherein prior to the payment instrument directly invoking the electronic resource to make a payment, the method further comprises:
acquiring user information and a scene code corresponding to the current user identifier, wherein the scene code specifically identifies an electronic resource source;
verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the directly invoking the payment instrument of the electronic resource to pay further comprises: and if the user corresponding to the user identification has the using qualification of the electronic resource, directly calling a payment tool of the electronic resource to pay.
6. The method of any of claims 1-5, wherein prior to the displaying on an information presentation page presentation information for an electronic resource provided by a payment channel that matches the user identification, the method further comprises:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
7. The method of any of claims 1-5, wherein the displaying on an information presentation page presentation information for an electronic resource provided by a payment channel that matches the user identification further comprises:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
8. An apparatus for allocating electronic resources, comprising:
the display module is suitable for acquiring a user identifier and displaying display information of the electronic resources provided by the payment channel, which is matched with the user identifier, on an information display page; the information display page is a display page before a payment stage; the electronic resource is an electronic coupon certificate provided by a payment channel;
the verification module is suitable for receiving a triggering operation aiming at display information of a preset activity or a triggering operation aiming at display information of the electronic resource before a payment stage, and verifying whether a user corresponding to the user identification has a payment tool of the electronic resource; the payment tool of the electronic resource is a payment tool of a payment channel corresponding to the electronic resource;
the tool providing module is suitable for guiding the user corresponding to the user identification to obtain the payment tool if the user corresponding to the user identification does not have the payment tool;
the allocation module is suitable for allocating the electronic resource to the user identifier if the user corresponding to the user identifier has the payment tool;
and the payment calling module is suitable for receiving payment triggering operation and directly calling the payment tool of the electronic resource to carry out payment.
9. The apparatus of claim 8, wherein the apparatus further comprises:
the acquisition qualification verification module is suitable for acquiring user information and a scene code corresponding to the current user identifier, and the scene code specifically identifies an electronic resource source;
verifying whether the user corresponding to the user identification has the qualification of getting the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the verification module is further adapted to, if the verification result of the pickup qualification verification module is yes, further verify whether the user corresponding to the user identifier has the payment instrument of the electronic resource.
10. The apparatus of claim 9, wherein the user information corresponding to the user identifier comprises: geographical location information and/or credit rating information.
11. The apparatus of claim 8, wherein the tool providing module is further adapted to: and if the preset error code is received, providing a payment tool acquisition entry of the electronic resource.
12. The apparatus of claim 8, wherein the apparatus further comprises:
the use qualification verification module is suitable for acquiring user information and a scene code corresponding to the current user identifier, and the scene code specifically identifies an electronic resource source;
verifying whether the user corresponding to the user identification has the use qualification of the electronic resource or not according to the user information and the scene code corresponding to the user identification;
the payment calling module is further suitable for directly calling a payment tool of the electronic resource to pay if the verification result of the usage qualification verification module is positive.
13. The apparatus of any one of claims 8-12, wherein the display module is further adapted to:
acquiring target release group information of at least one candidate electronic resource;
searching target release group information matched with the user identification;
and determining the display information of the candidate electronic resources corresponding to the target release group information matched with the user identification as the display information of the electronic resources displayed on the information display page.
14. The apparatus of any one of claims 8-12, wherein the display module is further adapted to:
obtaining a security template identifier and/or a delivery channel identifier corresponding to the electronic resource matched with the user identifier;
acquiring display information of the electronic resource based on a security template identifier and/or a release channel identifier corresponding to the electronic resource;
and displaying the display information of the electronic resource matched with the user identification on an information display page.
15. A computing device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction, and the executable instruction causes the processor to execute the operation corresponding to the allocation method of the electronic resource according to any one of claims 1-7.
16. A computer storage medium having stored therein at least one executable instruction for causing a processor to perform operations corresponding to the method of allocating electronic resources according to any one of claims 1-7.
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