CN111612505A - Resource returning request processing method and device and electronic equipment - Google Patents

Resource returning request processing method and device and electronic equipment Download PDF

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Publication number
CN111612505A
CN111612505A CN202010281896.0A CN202010281896A CN111612505A CN 111612505 A CN111612505 A CN 111612505A CN 202010281896 A CN202010281896 A CN 202010281896A CN 111612505 A CN111612505 A CN 111612505A
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resource
request
returning
user
resource returning
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陈博
刘禹彤
张嘉伟
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Shanghai Qiyue Information Technology Co Ltd
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Shanghai Qiyue Information Technology Co Ltd
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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
    • G06Q30/0225—Avoiding frauds
    • 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
    • G06Q30/0211—Determining the effectiveness of discounts or incentives

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  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The disclosure relates to a resource return request processing method and device, electronic equipment and a computer readable medium. The method comprises the following steps: receiving a resource returning request from a user, wherein the resource returning request comprises resource returning information and a preset identification bit; when the preset identification bit is valid, determining that the resource returning request is an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and sending the secondary accounting request to a marketing server to process the resource returning request. The resource returning request processing method, the resource returning request processing device, the electronic equipment and the computer readable medium can efficiently and quickly analyze the deduction information in the user resource request, and improve the accuracy and speed of processing the resource returning request of the user.

Description

Resource returning request processing method and device and electronic equipment
Technical Field
The present disclosure relates to the field of computer information processing, and in particular, to a method and an apparatus for processing a resource return request, an electronic device, and a computer-readable medium.
Background
With the development of network technology, more and more users choose to handle related services through the network, and network platforms specially providing financial services are produced. On the financial server platform, the user can apply various financial services, such as temporary borrowing service, amortization service and the like of financial resources, and the financial service platform maintains the operation of the platform by collecting commission.
On a financial service platform, financial resources are also required to be popularized as a product through various advertisements, wherein the popularization activities popular with users are various coupons and vouchers aiming at the financial resources. The discount coupons and the discount coupons can enable the user to enjoy cash discount on the basis of enjoying financial services, and the discount coupons can also be discounted for discount; and the user of the financial service platform can use the financial service platform according to the corresponding rule of the financial coupon.
However, since the service provided by the financial resource service platform is a long-term service, in many cases, after receiving the coupon and the discount coupon and enjoying the service of response, some users may have an action of escaping from the initial rule in the subsequent financial service process, and some users may even perform a malicious cash register or malicious money withdrawal action by using the coupon and the discount coupon released by the financial service platform.
The above information disclosed in this background section is only for enhancement of understanding of the background of the disclosure and therefore it may contain information that does not constitute prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
In view of this, the present disclosure provides a method and an apparatus for processing a resource returning request, an electronic device, and a computer readable medium, which can efficiently and quickly perform logic analysis on deduction information in a user resource request, and improve accuracy and speed of processing the resource returning request of the user.
Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.
According to an aspect of the present disclosure, a method for processing a resource returning request is provided, which is applicable to a service server, and the method includes: receiving a resource returning request from a user, wherein the resource returning request comprises resource returning information and a preset identification bit; when the preset identification bit is valid, determining that the resource returning request is an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and sending the secondary accounting request to a marketing server to process the resource returning request.
Optionally, comprising: receiving, by the marketing server, response information of the secondary accounting request; acquiring a failure specially-shared resource record according to the response information; and updating the resource returning plan of the user according to the invalid special resource record, wherein the resource returning plan comprises the remaining resource returning stage of the user and the corresponding financial resource quota thereof.
Optionally, updating the resource returning plan of the user according to the expired special resource record includes: acquiring the residual resource returning stages of the user and deduction information corresponding to each resource returning stage from the invalid special resource record; determining a financial resource quota corresponding to each stage according to the deduction information corresponding to each stage; and generating the resource returning plan through the residual resource returning stage of the user and the corresponding financial resource quota.
Optionally, comprising: acquiring the total amount of the financial resources planned to be paid back by the user from the resource return information of the user; acquiring a financial resource quota of the user at the current stage from the resource returning plan of the user; and processing the resource returning request according to the total financial resource amount and the financial resource quota.
Optionally, the method further comprises: and when the preset identification position is invalid and the resource returning information contains deduction information, sending the resource returning information to a marketing server to process the resource returning request.
Optionally, the method further comprises: receiving, by the marketing server, response information of the resource return information; and updating the resource returning plan of the user according to the response information, wherein the resource returning plan comprises the residual resource returning stage of the user and the corresponding financial resource quota.
According to an aspect of the present disclosure, a resource returning request processing method is provided, which is applicable to a marketing server, and the method includes: receiving a secondary accounting request from a service server; acquiring a user identifier, a product identifier of a product to be withheld and withholding information from the secondary accounting request; acquiring the current stage and the total resource returning stage of the product to be withheld according to the user identification and the product identification; generating a failure specially-shared resource record of the product to be withheld based on the current stage and the total resource returning stage; and returning the invalid special resource record to the service server as response information.
Optionally, generating a failure specific resource record of the product to be deducted based on the current stage and the total resource returning stage includes: determining a residual resource returning stage of the user according to the current stage and the total resource returning stage; changing the state of the deduction information corresponding to the user into an invalid state in a residual resource returning stage; and generating the invalid specially-shared resource record through the recovery stage of the residual resources and the state of the corresponding deduction information.
Optionally, the method further comprises: receiving resource returning information from a service server; acquiring the current stage and the total resource returning stage of the product to be withheld according to the user identification and the product identification in the resource returning information; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and generating response information according to the deduction information when the current stage and the total resource returning stage meet the deduction strategy.
Optionally, generating response information according to the deduction information includes: determining financial resource quotas of the user in the remaining stages according to the user identification and the product identification of the product to be withheld; determining the deduction amount of the user in the remaining stage according to the deduction information and the financial resource quota; and generating response information through the remaining stages of the user and the deduction amount corresponding to the remaining stages of the user.
According to an aspect of the present disclosure, a resource returning request processing apparatus is provided, which is applicable to a service server, and the apparatus includes: the device comprises a request module, a resource returning module and a resource returning module, wherein the request module is used for receiving a resource returning request from a user, and the resource returning request comprises resource returning information and a preset identification bit; the advance module is used for determining the resource returning request as an advance resource returning request when the preset identification bit is valid; the accounting module is used for generating a secondary accounting request according to the resource returning information when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information; and the sending module is used for sending the secondary accounting request to a marketing server so as to process the resource returning request.
Optionally, comprising: an advance response module for receiving response information of the secondary accounting request by the marketing server; acquiring a failure specially-shared resource record according to the response information; and updating the resource returning plan of the user according to the invalid special resource record, wherein the resource returning plan comprises the remaining resource returning stage of the user and the corresponding financial resource quota thereof.
Optionally, the update module includes: the deduction unit is used for acquiring the residual resource returning stages of the user and deduction information corresponding to each resource returning stage from the invalid specially-shared resource record; the quota unit is used for determining the financial resource quota corresponding to each stage according to the deduction information corresponding to each stage; and the planning unit is used for generating the resource returning plan through the residual resource returning stage of the user and the corresponding financial resource quota.
Optionally, comprising: the advanced processing module is used for acquiring the total amount of the financial resources planned to be paid back from the resource returning information of the user; acquiring a financial resource quota of the user at the current stage from the resource returning plan of the user; and processing the resource returning request according to the total financial resource amount and the financial resource quota.
Optionally, the method further comprises: and the conventional module is used for sending the resource returning information to the marketing server to process the resource returning request when the preset identification position is invalid and the resource returning information contains the deduction information.
Optionally, the method further comprises: a conventional processing module for receiving response information of the resource return information by the marketing server; and updating the resource returning plan of the user according to the response information, wherein the resource returning plan comprises the residual resource returning stage of the user and the corresponding financial resource quota.
According to an aspect of the present disclosure, a resource return request processing apparatus, applicable to a marketing server, is provided, the apparatus including: the receiving module is used for receiving a secondary accounting request from the service server; the identification module is used for acquiring a user identification, a product identification of a product to be withheld and withholding information from the secondary accounting request; the stage module is used for acquiring the current stage and the total resource returning stage of the product to be withheld according to the user identification and the product identification; the calculation module is used for generating a failure specially-shared resource record of the product to be withheld based on the current stage and the total resource return stage; and the return module is used for returning the invalid specially-shared resource record to the service server as response information.
Optionally, the recording module includes: a remaining unit, configured to determine a remaining resource returning stage of the user according to the current stage and the total resource returning stage; an invalid unit, configured to change, in a remaining resource returning stage, a deduction information state corresponding to the user into an invalid state; and the computing unit is used for generating the invalid specially-shared resource record according to the recovery stage of the residual resources and the state of the corresponding deduction information.
Optionally, the method further comprises: the conventional response module is used for receiving the resource returning information from the service server; acquiring the current stage and the total resource returning stage of the product to be withheld according to the user identification and the product identification in the resource returning information; obtaining a deduction strategy of the product to be deducted according to the product identification of the product to be deducted; and generating response information according to the deduction information when the current stage and the total resource returning stage meet the deduction strategy.
Optionally, the conventional response module is further configured to determine a financial resource quota of a user at a remaining stage according to the user identifier and a product identifier of the product to be withheld; determining the deduction amount of the user in the remaining stage according to the deduction information and the financial resource quota; and generating response information through the remaining stages of the user and the deduction amount corresponding to the remaining stages of the user.
According to an aspect of the present disclosure, an electronic device is provided, the electronic device including: one or more processors; storage means for storing one or more programs; when executed by one or more processors, cause the one or more processors to implement a method as above.
According to an aspect of the disclosure, a computer-readable medium is proposed, on which a computer program is stored, which program, when being executed by a processor, carries out the method as above.
According to the resource returning request processing method, the resource returning request processing device, the electronic equipment and the computer readable medium, when a preset identification bit in a resource returning request is valid, the resource returning request is determined to be an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and the secondary accounting request is sent to the marketing server to process the resource returning request, so that the deduction information in the user resource request can be efficiently and quickly subjected to logic analysis, and the accuracy and the speed of processing the resource returning request of the user are improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The above and other objects, features and advantages of the present disclosure will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings. The drawings described below are merely some embodiments of the present disclosure, and other drawings may be derived from those drawings by those of ordinary skill in the art without inventive effort.
Fig. 1 is a system block diagram illustrating a resource return request processing method and apparatus according to an exemplary embodiment.
Fig. 2 is a schematic diagram illustrating a resource return request processing method according to an example embodiment.
Fig. 3 is a flow diagram illustrating a method for processing a resource return request in accordance with an example embodiment.
Fig. 4 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment.
Fig. 5 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment.
Fig. 6 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment.
Fig. 7 is a block diagram illustrating a resource return request processing apparatus according to an example embodiment.
Fig. 8 is a block diagram illustrating a resource return request processing apparatus according to another example embodiment.
FIG. 9 is a block diagram illustrating an electronic device in accordance with an example embodiment.
FIG. 10 is a block diagram illustrating a computer-readable medium in accordance with an example embodiment.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as 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 concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus, a repetitive description thereof will be omitted.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one element from another. Thus, a first component discussed below may be termed a second component without departing from the teachings of the disclosed concept. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.
It is to be understood by those skilled in the art that the drawings are merely schematic representations of exemplary embodiments, and that the blocks or processes shown in the drawings are not necessarily required to practice the present disclosure and are, therefore, not intended to limit the scope of the present disclosure.
Fig. 1 is a system block diagram illustrating a resource return request processing method and apparatus according to an exemplary embodiment.
As shown in fig. 1, the system architecture 10 may include terminal devices 101, 102, 103, a network 104, and a business server 105, marketing server 106. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the business server 105 and marketing server 106. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have various communication client applications installed thereon, such as a financial services application, a shopping application, a web browser application, an instant messaging tool, a mailbox client, social platform software, and the like.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The business server 105 may be a server that provides various services, such as a background management server that supports financial services websites browsed by the user using the terminal devices 101, 102, and 103. The background management server may analyze and the like the received user data, and in the process of processing, may also send the user data to the marketing server 106, so that the marketing server 106 assists in processing, and the service server 105 feeds back the processing result to the terminal devices 101, 102, and 103.
The service server 105 may, for example, receive a resource returning request from a user, where the resource returning request includes resource returning information and a preset identification bit; the service server 105 may determine that the resource returning request is an advance resource returning request, for example, when the preset identification bit is valid; the service server 105 may generate a secondary accounting request according to the resource return information, for example, when the resource return request is an advance resource return request and the resource return information includes deduction information; the business server 105 can, for example, send the secondary accounting request to a marketing server to process the resource return request.
Marketing server 106 may, for example, receive a secondary accounting request from a business server; the marketing server 106 may obtain, for example, the user identifier, the product identifier of the product to be withheld, and the withholding information from the secondary accounting request; marketing server 106 may obtain a current stage and a total resource return stage of the product to be withheld, for example, according to the user identifier and the product identifier; marketing server 106 may generate a failure-specific resource record for the product to be withheld, e.g., based on the current stage and the total resource return stage; marketing server 106 may, for example, return the expired particular resource records to the business server as response information.
The business server 105 and the marketing server 106 may be a single entity server, or may be composed of a plurality of servers, for example, it should be noted that the resource returning request processing method provided by the embodiment of the present disclosure may be executed by the business server 105 and the marketing server 106, and accordingly, the resource returning request processing device may be disposed in the business server 105 and the marketing server 106. And the web page end provided for the user to browse the financial service platform is generally positioned in the terminal equipment 101, 102 and 103.
Fig. 2 is a schematic diagram illustrating a resource return request processing method according to an example embodiment. As shown in FIG. 2, in one embodiment, the user generates a 12-out debit using a 12-out 3-out coupon that defaults to a partial debit of 10, 11, 12. When the user is all clear between the 1 st to 10 th periods, no coupon exemption is enjoyed; when the user is clear between the 10 th stage and the 11 th stage, the user enjoys the remission of the 10 th stage, does not enjoy the remissions of the 11 th stage and the 12 th stage, and so on; when the user does not operate to return to the clear in advance, the user can fully enjoy the deduction amount of the 3 rd period. Corresponding to the above processing flow, when the user submits the resource returning request, it is necessary to determine the current stage of the user, and also to determine whether the user is making an advance payment.
More specifically, when the coupon is a discount coupon, when the user borrows money for six times and uses the coupon, if the user pays money in advance before the fifth time, the coupon is not enjoyed; when the user pays in advance between the fifth period and the sixth period, the user only enjoys the discount of 9 times of the interest fee of the fifth period and does not enjoy the discount of the sixth period; if the user does not settle in advance, the user can fully enjoy the interest fee of 9 discount between the fifth period and the sixth period.
More specifically, when the coupon is a discount coupon, when the user debits for twelve years and uses the coupon, if the user pays in advance before the tenth year, the coupon advantage is not enjoyed. When the user pays in advance between the tenth stage and the eleventh stage, the user only enjoys the 50 yuan of discount of the tenth stage interest fee and does not enjoy the discount of the eleventh stage and the twelfth stage; when the user pays in advance between the eleventh and twelfth periods, the user enjoys the 50 yuan discount of each of the tenth and eleventh periods and does not enjoy the discount of the twelfth period; if the user does not settle in advance, the user can fully enjoy 50 yuan per phase of the tenth phase, the eleventh phase and the twelfth phase.
Fig. 3 is a flow diagram illustrating a method for processing a resource return request in accordance with an example embodiment. The resource returning request processing method 30 can be applied to the service server, and at least includes steps S302 to S314.
As shown in fig. 3, in S302, a resource returning request from a user is received, where the resource returning request includes resource returning information and a preset identification bit. The resource return information may include, for example, an amount to be paid, an identification of the product to be paid, and the like. The preset identification position can be an identification position for whether to pay in advance, and a check box can be provided on a user page so that a user can check.
In S304, when the preset identification bit is valid, it is determined that the resource returning request is an advance resource returning request. And when the user checks the 'advance payment' frame, determining that the user applies for the advance payment service.
In S306, when the resource returning request is an advanced resource returning request and the resource returning information includes deduction information, a secondary accounting request is generated according to the resource returning information. When the user has the deduction ticket to use, the user's deduction ticket needs to be subjected to secondary accounting to generate a secondary accounting request.
It should be noted that, in the advance payment request of the user, when there is no coupon information, that is, when the user has no coupon-related service, the payment request of the user is directly processed.
In S308, the secondary accounting request is sent to a marketing server to process the resource return request.
In S310, response information of the secondary accounting request is received by the marketing server. And when the marketing server finishes the secondary accounting, the response information is returned to the service server.
In S312, the invalid dedicated resource record is obtained according to the response information. The invalid special resource record can record the relevant information of all coupons of the user, which can include the coupon start time, the coupon end time, whether the current coupon information is valid, and the like.
In S314, the resource returning plan of the user is updated according to the expired specially-shared resource record, where the resource returning plan includes the remaining resource returning stage of the user and the corresponding financial resource quota.
More specifically, the method can comprise the following steps: acquiring the residual resource returning stages of the user and deduction information corresponding to each resource returning stage from the invalid special resource record; determining a financial resource quota corresponding to each stage according to the deduction information corresponding to each stage; and generating the resource returning plan through the residual resource returning stage of the user and the corresponding financial resource quota.
More specifically, the method can comprise the following steps: acquiring the total amount of the financial resources planned to be paid back by the user from the resource return information of the user; acquiring a financial resource quota of the user at the current stage from the resource returning plan of the user; and processing the resource returning request according to the total financial resource amount and the financial resource quota.
According to the resource returning request processing method, when the preset identification bit in the resource planning request is valid, the resource returning request is determined to be an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and the secondary accounting request is sent to the marketing server to process the resource returning request, so that the deduction information in the user resource request can be efficiently and quickly subjected to logic analysis, and the accuracy and the speed of processing the resource returning request of the user are improved.
It should be clearly understood that this disclosure describes how to make and use particular examples, but the principles of this disclosure are not limited to any details of these examples. Rather, these principles can be applied to many other embodiments based on the teachings of the present disclosure.
Fig. 4 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment. The flow shown in fig. 4 is a supplementary description of the flow shown in fig. 2.
As shown in fig. 4, in S402, when the preset identification bit is invalid and the resource returning information includes deduction information, the resource returning information is sent to the marketing server to process the resource returning request. When the repayment request of the user is a normal repayment request, the request of the Jinjiang user is forwarded to the marketing server.
In S404, response information of the resource return information is received by the marketing server.
In S406, the resource returning plan of the user is updated according to the response information, where the resource returning plan includes the remaining resource returning stage of the user and the corresponding financial resource quota. The resource return plan may include a specific deadline for future payment of the user and a specific payment amount.
Fig. 5 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment. The resource returning request processing method 50 can be applied to the marketing server, and at least includes steps S502 to S510.
As shown in fig. 5, in S502, a secondary accounting request is received from the service server. And when the user submits the advance payment request, the marketing server carries out secondary accounting on the deduction information of the user.
In S504, the user identifier, the product identifier of the product to be withheld, and the withholding information are obtained from the secondary accounting request.
In S506, the current stage and the total resource returning stage of the product to be withheld are obtained according to the user identifier and the product identifier. And calling related data in the database according to the identification information of the user, and determining the current stage of the product user to be withheld. For example, in the installment repayment product, the user can select different installment quantities, specifically 3 installments, 6 installments, 12 installments and so on, and determine which installment amount the user applies for repayment and the total installment amount of the installment according to the user information.
In S508, a failure specific resource record of the product to be deducted is generated based on the current stage and the total resource return stage. The method comprises the following steps: determining a residual resource returning stage of the user according to the current stage and the total resource returning stage; changing the state of the deduction information corresponding to the user into an invalid state in a residual resource returning stage; and generating the invalid specially-shared resource record through the recovery stage of the residual resources and the state of the corresponding deduction information.
In S510, the expired specially-shared resource record is returned to the service server as response information.
Fig. 6 is a flowchart illustrating a resource return request processing method according to another exemplary embodiment. The flow shown in fig. 6 is a supplementary description of the flow shown in fig. 5.
As shown in fig. 6, in S602, resource return information is received from a service server. When the user submits a normal repayment request, the marketing server can check the resource return information of the user.
In S604, the current stage and the total resource returning stage of the product to be withheld are obtained according to the user identifier and the product identifier in the resource returning information.
In S606, a deduction policy of the product to be deducted is obtained according to the product identifier of the product to be deducted. The deduction strategies of different products are different, and the deduction strategy of the product A can be as follows: using the deduction ticket in the last 3 stages of the staging, the deduction strategy of the B product can be as follows: the first two installments are unavailable for vouchers, etc.
In S608, when the current stage and the total resource returning stage satisfy the deduction policy, generating response information according to the deduction information. The method comprises the following steps: determining financial resource quotas of the user in the remaining stages according to the user identification and the product identification of the product to be withheld; determining the deduction amount of the user in the remaining stage according to the deduction information and the financial resource quota; and generating response information through the remaining stages of the user and the deduction amount corresponding to the remaining stages of the user.
Those skilled in the art will appreciate that all or part of the steps implementing the above embodiments are implemented as computer programs executed by a CPU. When executed by the CPU, performs the functions defined by the above-described methods provided by the present disclosure. The program may be stored in a computer readable storage medium, which may be a read-only memory, a magnetic or optical disk, or the like.
Furthermore, it should be noted that the above-mentioned figures are only schematic illustrations of the processes involved in the methods according to exemplary embodiments of the present disclosure, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
The following are embodiments of the disclosed apparatus that may be used to perform embodiments of the disclosed methods. For details not disclosed in the embodiments of the apparatus of the present disclosure, refer to the embodiments of the method of the present disclosure.
Fig. 7 is a block diagram illustrating a resource return request processing apparatus according to an example embodiment. As shown in fig. 7, the resource returning request processing device 70 may be used for a service server, and includes: a request module 702, an advance module 704, an accounting module 706, a sending module 708, an advance response module 710, and an advance processing module 712.
The request module 702 is configured to receive a resource returning request from a user, where the resource returning request includes resource returning information and a preset identification bit;
the advance module 704 is configured to determine that the resource returning request is an advance resource returning request when the preset identification bit is valid;
the accounting module 706 is configured to generate a secondary accounting request according to the resource returning information when the resource returning request is an advance resource returning request and the resource returning information includes deduction information;
the sending module 708 is configured to send the secondary accounting request to a marketing server to process the resource return request.
The advanced response module 710 is used for receiving response information of the secondary accounting request by the marketing server; acquiring a failure specially-shared resource record according to the response information; and updating the resource returning plan of the user according to the invalid special resource record, wherein the resource returning plan comprises the remaining resource returning stage of the user and the corresponding financial resource quota thereof.
The advanced processing module 712 is used for obtaining the total amount of the financial resources planned to be paid back from the resource return information of the user; acquiring a financial resource quota of the user at the current stage from the resource returning plan of the user; and processing the resource returning request according to the total financial resource amount and the financial resource quota.
Fig. 8 is a block diagram illustrating a resource return request processing apparatus according to another example embodiment. As shown in fig. 8, the resource return request processing means 80 may be used for a marketing server, and includes: a receiving module 802, an identifying module 804, a phase module 806, a calculating module 808, and a returning module 810.
The receiving module 802 is configured to receive a secondary accounting request from a service server;
the identification module 804 is configured to obtain a user identifier, a product identifier of a product to be withheld, and withholding information from the secondary accounting request;
the stage module 806 is configured to obtain a current stage and a total resource returning stage of the product to be withheld according to the user identifier and the product identifier;
the calculating module 808 is configured to generate a failure specific resource record of the product to be withheld based on the current stage and the total resource returning stage;
the returning module 810 is configured to return the expired specially-shared resource record to the service server as a response message.
According to the resource returning request processing device disclosed by the invention, when the preset identification bit of the resource returning request is valid, the resource returning request is determined to be an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and the secondary accounting request is sent to the marketing server to process the resource returning request, so that the deduction information in the user resource request can be efficiently and quickly subjected to logic analysis, and the accuracy and the speed of processing the resource returning request of the user are improved.
FIG. 9 is a block diagram illustrating an electronic device in accordance with an example embodiment.
An electronic device 900 according to this embodiment of the disclosure is described below with reference to fig. 9. The electronic device 900 shown in fig. 9 is only an example and should not bring any limitations to the functionality or scope of use of the embodiments of the present disclosure.
As shown in fig. 9, the electronic device 900 is embodied in the form of a general purpose computing device. Components of electronic device 900 may include, but are not limited to: at least one processing unit 910, at least one storage unit 920, a bus 930 connecting different system components (including the storage unit 920 and the processing unit 910), a display unit 940, and the like.
Wherein the storage unit stores program codes, which can be executed by the processing unit 910, so that the processing unit 910 performs the steps according to various exemplary embodiments of the present disclosure described in the above-mentioned electronic prescription flow processing method section of this specification. For example, the processing unit 910 may perform the steps as shown in fig. 3, 4, 5, 6.
The storage unit 920 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM)9201 and/or a cache memory unit 9202, and may further include a read only memory unit (ROM) 9203.
The memory unit 920 may also include a program/utility 9204 having a set (at least one) of program modules 9205, such program modules 9205 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
Bus 930 can be any of several types of bus structures including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.
The electronic device 900 may also communicate with one or more external devices 900' (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 900, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 900 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interface 950. Also, the electronic device 900 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet) via the network adapter 960. The network adapter 960 may communicate with other modules of the electronic device 900 via the bus 930. It should be appreciated that although not shown, other hardware and/or software modules may be used in conjunction with the electronic device 900, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, as shown in fig. 10, the technical solution according to the embodiment of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, or a network device, etc.) to execute the above method according to the embodiment of the present disclosure.
The software product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The computer readable medium carries one or more programs which, when executed by a device, cause the computer readable medium to perform the functions of: receiving a resource returning request from a user, wherein the resource returning request comprises resource returning information and a preset identification bit; when the preset identification bit is valid, determining that the resource returning request is an advanced resource returning request; when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information; and sending the secondary accounting request to a marketing server to process the resource returning request.
Those skilled in the art will appreciate that the modules described above may be distributed in the apparatus according to the description of the embodiments, or may be modified accordingly in one or more apparatuses unique from the embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
Exemplary embodiments of the present disclosure are specifically illustrated and described above. It is to be understood that the present disclosure is not limited to the precise arrangements, instrumentalities, or instrumentalities described herein; on the contrary, the disclosure is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims (10)

1. A resource return request processing method can be used for a service server, and is characterized by comprising the following steps:
receiving a resource returning request from a user, wherein the resource returning request comprises resource returning information and a preset identification bit;
when the preset identification bit is valid, determining that the resource returning request is an advanced resource returning request;
when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information, generating a secondary accounting request according to the resource returning information;
and sending the secondary accounting request to a marketing server to process the resource returning request.
2. The method of claim 1, comprising:
receiving, by the marketing server, response information of the secondary accounting request;
acquiring a failure specially-shared resource record according to the response information;
and updating the resource returning plan of the user according to the invalid special resource record, wherein the resource returning plan comprises the remaining resource returning stage of the user and the corresponding financial resource quota thereof.
3. The method of any of claims 1-2, wherein updating the user's resource return plan based on the expired specialized resource records comprises:
acquiring the residual resource returning stages of the user and deduction information corresponding to each resource returning stage from the invalid special resource record;
determining a financial resource quota corresponding to each stage according to the deduction information corresponding to each stage;
and generating the resource returning plan through the residual resource returning stage of the user and the corresponding financial resource quota.
4. The method of any one of claims 1-3, comprising:
acquiring the total amount of the financial resources planned to be paid back by the user from the resource return information of the user;
acquiring a financial resource quota of the user at the current stage from the resource returning plan of the user;
and processing the resource returning request according to the total financial resource amount and the financial resource quota.
5. The method of any one of claims 1-4, further comprising:
and when the preset identification position is invalid and the resource returning information contains deduction information, sending the resource returning information to a marketing server to process the resource returning request.
6. The method of any one of claims 1-5, further comprising:
receiving, by the marketing server, response information of the resource return information;
and updating the resource returning plan of the user according to the response information, wherein the resource returning plan comprises the residual resource returning stage of the user and the corresponding financial resource quota.
7. A resource return request processing method, which can be used for a marketing server, is characterized by comprising the following steps:
receiving a secondary accounting request from a service server;
acquiring a user identifier, a product identifier of a product to be withheld and withholding information from the secondary accounting request;
acquiring the current stage and the total resource returning stage of the product to be withheld according to the user identification and the product identification;
generating a failure specially-shared resource record of the product to be withheld based on the current stage and the total resource returning stage;
and returning the invalid special resource record to the service server as response information.
8. A resource return request processing apparatus, which is usable in a service server, comprising:
the device comprises a request module, a resource returning module and a resource returning module, wherein the request module is used for receiving a resource returning request from a user, and the resource returning request comprises resource returning information and a preset identification bit;
the advance module is used for determining the resource returning request as an advance resource returning request when the preset identification bit is valid;
the accounting module is used for generating a secondary accounting request according to the resource returning information when the resource returning request is an advanced resource returning request and the resource returning information contains deduction information;
and the sending module is used for sending the secondary accounting request to a marketing server so as to process the resource returning request.
9. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
CN202010281896.0A 2020-04-11 2020-04-11 Resource returning request processing method and device and electronic equipment Pending CN111612505A (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107945007A (en) * 2017-11-17 2018-04-20 中国银行股份有限公司 Data processing method, device, electronic equipment and storage medium
CN109658234A (en) * 2018-12-26 2019-04-19 深圳乐信软件技术有限公司 Payment beforehand method for computing data, device, computer equipment and storage medium
CN109711971A (en) * 2018-08-17 2019-05-03 深圳壹账通智能科技有限公司 Payment beforehand method, apparatus, terminal device and computer readable storage medium

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107945007A (en) * 2017-11-17 2018-04-20 中国银行股份有限公司 Data processing method, device, electronic equipment and storage medium
CN109711971A (en) * 2018-08-17 2019-05-03 深圳壹账通智能科技有限公司 Payment beforehand method, apparatus, terminal device and computer readable storage medium
CN109658234A (en) * 2018-12-26 2019-04-19 深圳乐信软件技术有限公司 Payment beforehand method for computing data, device, computer equipment and storage medium

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