CN111737583B

CN111737583B - Data processing method and device and recommendation processing method and device

Info

Publication number: CN111737583B
Application number: CN202010757347.6A
Authority: CN
Inventors: 张腾
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-07-31
Filing date: 2020-07-31
Publication date: 2021-03-23
Anticipated expiration: 2040-07-31
Also published as: CN113191848A; CN111737583A; CN113191848B

Abstract

The embodiment of the specification provides a data processing method and device and a recommendation processing method and device, wherein the data processing method comprises the following steps: acquiring an access request submitted by a user; based on the access request, the user is used for signing a credit contract for a performing party and issuing a service right provided by a service party to the user; detecting whether the service right is triggered and used by the user within the right validity period of the service right; and if so, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the performance period of the credit contract.

Description

Data processing method and device and recommendation processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a data processing method and apparatus, and a recommendation processing method and apparatus.

Background

With the continuous development of internet technology, the attention degree of users to credit is continuously improved, the establishment and the improvement of a credit system are continuously carried out, a credit platform for providing various credit services for users is born, and a plurality of credit platforms provide various credit-based services such as credit lease, credit loan, credit trial and the like for users. The overdue condition caused by the fact that the user cannot perform is inevitable in the process of using the credit service provided by the credit platform, and once the overdue condition occurs to the user, the credit of the user may be damaged, for example, the credit level is lowered or a default record is generated, so that the improvement and promotion of the credit system are negatively influenced.

Disclosure of Invention

One or more embodiments of the present specification provide a data processing method. The data processing method comprises the following steps: and acquiring an access request submitted by a user. And based on the access request, the user is used for signing a credit contract for a performing party and issuing a service right provided by a service party to the user. Detecting whether the service right is triggered and used by the user within the right validity period of the service right; and if so, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the performance period of the credit contract.

One or more embodiments of the present specification provide a first recommendation processing method including: and acquiring an access request submitted by a user aiming at the recommended item. And generating a recommendation offer page of the recommended item and showing the recommendation offer page to the user to respond to the access request. And creating a credit contract of the user according to the credit data of the user and the offer order submitted based on the recommendation offer page. And issuing the user with the discount benefits provided by the merchants participating in the recommended item. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests.

One or more embodiments of the present specification provide a second recommendation processing method, including: and acquiring an access request submitted by a user aiming at a target merchant. And issuing the preferential interest provided by the target merchant to the user based on the access request. And in the case of detecting that the preferential interest is picked up, signing a credit contract of the user and the target merchant. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests recorded in the credit contract.

One or more embodiments of the present specification provide a data processing apparatus including: and the access request acquisition module is configured to acquire an access request submitted by a user. And the business interest issuing module is configured to sign a credit contract for the performing party by the user based on the access request and issue the business interest provided by the business party to the user. And the service right detection module is configured to detect whether the service right is triggered and used by the user within the right validity period of the service right, and if so, the credit rating updating module is operated. The credit rating updating module is configured to update the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the service interest acquired within the fulfillment deadline of the credit contract.

One or more embodiments of the present specification provide a first recommendation processing apparatus including: and the access request acquisition module is configured to acquire an access request submitted by a user for the recommended item. And the recommendation offer page presentation module is configured to generate a recommendation offer page of the recommended item and present the recommendation offer page to the user to respond to the access request. A credit contract creation module configured to create a credit contract for the user according to the user's credit data and the offer-response instructions submitted based on the recommended offer page. And the discount right issuing module is configured to issue discount right provided by merchants participating in the recommended item to the user. The discount right detection module is configured to detect whether the discount right is triggered and used by the user within the right validity period of the discount right; if yes, the task fulfillment processing module is operated. And the task fulfillment processing module is configured to perform task fulfillment processing on the recommended tasks corresponding to the discount benefits.

One or more embodiments of the present specification provide a second recommendation processing apparatus including: and the access request acquisition module is configured to acquire an access request submitted by a user aiming at the target merchant. And the discount right issuing module is configured to issue discount right provided by the target merchant to the user based on the access request. A credit contract signing module configured to sign a credit contract of the user with the target merchant upon detecting that the offer benefit is picked up. The discount right detection module is configured to detect whether the discount right is triggered and used by the user within the right validity period of the discount right; if yes, the task fulfillment processing module is operated. The task fulfillment processing module is configured to perform task fulfillment processing on the recommended tasks corresponding to the discount benefits recorded in the credit contract.

One or more embodiments of the present specification provide a data processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an access request submitted by a user. And based on the access request, the user is used for signing a credit contract for a performing party and issuing a service right provided by a service party to the user. Detecting whether the service right is triggered and used by the user within the right validity period of the service right; and if so, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the performance period of the credit contract.

One or more embodiments of the present specification provide a first recommendation processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an access request submitted by a user aiming at the recommended item. And generating a recommendation offer page of the recommended item and showing the recommendation offer page to the user to respond to the access request. And creating a credit contract of the user according to the credit data of the user and the offer order submitted based on the recommendation offer page. And issuing the user with the discount benefits provided by the merchants participating in the recommended item. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests.

One or more embodiments of the present specification provide a second recommendation processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring an access request submitted by a user aiming at a target merchant. And issuing the preferential interest provided by the target merchant to the user based on the access request. And in the case of detecting that the preferential interest is picked up, signing a credit contract of the user and the target merchant. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests recorded in the credit contract.

One or more embodiments of the present specification provide a first storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring an access request submitted by a user. And based on the access request, the user is used for signing a credit contract for a performing party and issuing a service right provided by a service party to the user. Detecting whether the service right is triggered and used by the user within the right validity period of the service right; and if so, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the performance period of the credit contract.

One or more embodiments of the present specification provide a second storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring an access request submitted by a user aiming at the recommended item. And generating a recommendation offer page of the recommended item and showing the recommendation offer page to the user to respond to the access request. And creating a credit contract of the user according to the credit data of the user and the offer order submitted based on the recommendation offer page. And issuing the user with the discount benefits provided by the merchants participating in the recommended item. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests.

One or more embodiments of the present specification provide a third storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring an access request submitted by a user aiming at a target merchant. And issuing the preferential interest provided by the target merchant to the user based on the access request. And in the case of detecting that the preferential interest is picked up, signing a credit contract of the user and the target merchant. Detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests recorded in the credit contract.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

FIG. 1 is a flow diagram of a data processing method provided in one or more embodiments of the present disclosure;

FIG. 2 is a flowchart of a first recommendation processing method provided in one or more embodiments of the present disclosure;

FIG. 3 is a flowchart of a recommendation processing method applied to a new recommended item scenario, according to one or more embodiments of the present disclosure;

FIG. 4 is a flowchart of a second recommendation processing method provided in one or more embodiments of the present disclosure;

FIG. 5 is a flowchart of a recommendation processing method applied to a trial scenario of a product according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a data processing apparatus according to one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of a first recommendation processing device provided in one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a second recommendation processing device provided in one or more embodiments of the present disclosure;

FIG. 9 is a schematic structural diagram of a data processing apparatus according to one or more embodiments of the present disclosure;

fig. 10 is a schematic structural diagram of a first recommendation processing apparatus according to one or more embodiments of the present specification;

fig. 11 is a schematic structural diagram of a second recommendation processing apparatus according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a data processing method provided in this specification:

referring to fig. 1, the data processing method provided by the present embodiment includes steps S102 to S108.

Step S102, obtaining the access request submitted by the user.

In practical application, a merchant issues a certain preferential offer to a user to realize product recommendation or service promotion, the right of the user to receive the merchant is an operation with short duration, effective connection between the merchant and the user cannot be established, and the method is particularly embodied in that 1000 free new product trial coupons are issued for some high-quality rights, for example, a certain merchant issues 1000 free new product trial coupons, the user has strong willingness to use the high-quality rights, but after the user uses the high-quality rights, the connection between the user and the merchant is interrupted, for the merchant, the high-quality user and a common user cannot be distinguished, and the effect of product recommendation or service promotion is limited; from the perspective of the user, the high-quality rights and interests provided by the merchant cannot be used by the high-quality user, and the user experiences poor product recommendation or service promotion of the merchant.

In the data processing method provided by this embodiment, the business interest provided by the business party is agreed by the credit contract, and the fulfillment task that the user needs to fulfill the obtained business interest is agreed at the same time, so that under the constraint of credit, the user is ensured to enjoy the business interest provided by the business party, and the user is also prompted to execute the fulfillment task according to the contract while enjoying the business interest, so as to improve the trust willingness of the user, and thus ensure the product recommendation and business promotion effects of the business party.

The data processing method provided by this embodiment is implemented depending on a specific service scenario, for example, a service party participates in a service project to perform product recommendation or service promotion, and then, for example, a service party performs product recommendation or service promotion to a user; in this embodiment, the two service scenarios are taken as an example for explanation, and in addition, the data processing method may also be implemented depending on other service scenarios, which is not limited herein.

Specifically, in a service scenario where a service party participates in a service project to perform product recommendation or service promotion, the access request in this embodiment refers to a service access request submitted by a user for the service project that the service party participates in. For example, if a user wants to participate in or experience new item recommendation activities such as new item trial eating evaluation provided by a catering merchant who hosts the new item recommendation item and enjoy the right of the new item trial eating provided by the catering merchant, a detailed page (recommendation invitation page) of the new item recommendation item can be entered by clicking an entry trigger control of the new item recommendation item, and after clicking the entry trigger control of the new item recommendation item, the user generates a corresponding access request, which is an application request for accessing the new item recommendation item by the user.

Similarly, in a service scenario where a service party performs product recommendation or service promotion to a user, the access request refers to a service access request submitted by the user for the service party. For example, a certain resident merchant in a transaction platform or a life service APP opens new try-on evaluation activity, product trial activity or business experience sharing activity to a user, if the user wants to participate in or experience recommendation activities such as new try-on evaluation, product trial or business experience sharing of the resident merchant, the user enjoys new try-on interest, product trial interest or business experience interest provided by the resident merchant, the user can participate in merchant activity by accessing a merchant homepage of the resident merchant, or participate in recommendation activity by accessing a corresponding new try-on evaluation activity page, product trial activity page or business experience sharing activity page, and a homepage access request or an activity page access request submitted by the user in the process of accessing the merchant homepage or the activity page is an access request submitted by the user.

And step S104, based on the access request, the user is used for signing a credit contract for the performing party, and the service right provided by the service party is issued to the user.

The credit contract in this embodiment means that two or more parties agree on "right", "responsibility" and "profit" on the use of a certain service based on credit; for example, the user and the new product recommended item have a consensus of carrying out new product recommendation evaluation based on credit; wherein, the 'right' defines the right of one party, and can also be understood as the behavior that the other party needs to perform, such as issuing a new product trial coupon, using the new product trial coupon, and performing trial evaluation after using the new product trial coupon in an agreed manner; "liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.; the "benefits" define the benefits or rewards that the performing party can obtain, such as the ability of the user to enjoy a novelty coupon provided by a novelty recommendation and obtain a credit-based reward after using the novelty coupon and performing a coupon evaluation.

The service right in this embodiment refers to a service-related right issued to a user by a service party in a service recommendation process, and may specifically be one or more of a coupon, discount information, a red packet, a service reward, and a consumption card. For example, in a catering platform or a new item recommendation project scene opened to a user in a payment APP, a catering merchant tries a coupon for a new item provided by the user. For another example, a new product try-on coupon provided by a resident merchant in a transaction platform or a living service APP to a user in a new product try-on evaluation activity, a discount coupon provided by the resident merchant to the user in a product trial purchase activity, or a red envelope provided by the resident merchant to the user in a service experience sharing activity.

Correspondingly, the fulfillment task corresponding to the service interest refers to a task that the user needs to fulfill while enjoying the service interest provided by the service party. For example, in a catering platform or a new product recommendation project scene opened to a user in a payment APP, a recommendation task corresponding to a discount right provided by a catering merchant to the user is as follows: the user who gets and uses the trial coupon of the new product needs to give an evaluation of not less than 150 characters for the new product.

For another example, in a transaction platform or a living service APP, when a business interest provided by a merchant in a new product try-on evaluation activity to a user is a new product try-on coupon, a fulfillment task corresponding to the business interest is that the user needs to obtain a new product by using the new product try-on coupon and perform a photo solarization after the trial wearing; under the condition that the business interest provided by the resident merchant to the user in the product trial activity is the discount ticket, the fulfillment task corresponding to the business interest is that the user purchases the product of the resident merchant by using the discount ticket after the product trial is carried out; or, under the condition that the business interest provided by the resident merchant to the user in the business experience sharing activity is a red packet, the fulfillment task corresponding to the business interest is that the user shares the activity by not less than 3 individuals after the business experience.

As described above, on the basis that the access request is a service access request submitted by a user for a service recommendation item in which the service party participates, in a first optional implementation manner provided by this embodiment, based on the access request, the user signs a credit contract for a performing party, and issues a service right provided by the service party to the user, which is specifically implemented in the following manner:

generating a service invitation page of the service project and displaying the service invitation page to a user so as to respond to the service access request;

according to the credit data of the user and the offer order submitted based on the service offer page, signing a credit contract between the user and the service project;

and issuing the service rights provided by the service party participating in the service project to the user.

For example, in a catering platform or a new item recommendation scenario opened to a user in a payment APP, if the user wants to participate in or experience new item recommendation activities such as new item trial evaluation provided by a catering merchant who hosts the new item recommendation, and enjoy the right of the new item trial, the user can enter a detailed page (recommendation offer page) of the new item recommendation item by clicking an entry trigger control of the new item recommendation item, and after clicking the entry trigger control of the new item recommendation item, the user can generate a corresponding access request;

then, a detail page (recommendation offer page) of the new recommended item is generated, and the generated detail page is sent to the user, so that the user can know the detail information of the new recommended item; after acquiring the service interest of a new product recommended item and the related information of a corresponding fulfillment task through a detail page, if the user selects to join, submitting a contract instruction by clicking a contract control configured on the detail page, acquiring credit data of the user after acquiring the contract instruction of the user, judging whether the credit of the user meets the credit admission condition of the new product recommended item based on the credit data, and if so, signing a credit contract between the user and the new product recommended item; the catering merchants participating in the new item recommendation project provide new item trial coupons which are issued to users who have signed credit contracts.

Similarly, on the basis that the access request is a service access request submitted by a user for the service party, in a second optional implementation manner provided in this embodiment, based on the access request, the user signs a credit contract for a performing party, and issues a service right provided by the service party to the user, which is specifically implemented in the following manner:

based on the service access request, the service rights and interests provided by the service party are issued to the user;

under the condition that the service right interest is detected to be picked up, a credit contract of the user and the service party is signed; wherein the credit contract comprises the service right and a performing task corresponding to the service right.

For example, a certain resident merchant in a transaction platform or a life service APP opens a product trial activity to a user, the user participates in the merchant activity by accessing a merchant homepage or a product trial activity page of the resident merchant, the merchant homepage or the product trial activity page shows business rights and corresponding related information of a fulfillment task, and meanwhile, the user submits a corresponding access request in the process of accessing the merchant homepage or the product trial activity page;

in the case of receiving the access request of the user, issuing a discount coupon to the user, wherein the discount coupon can be used for purchasing the products of the resident merchant; if the fact that the user receives the issued discount coupon is detected, the fact that the user selects to join in product trial activities is indicated, a credit contract between the user and the resident merchant is signed, information of the discount coupon which is issued to the user and received is recorded in the credit contract, and a performance task and a performance period which need to be executed after the user receives the discount coupon are also recorded, wherein the performance task and the performance period particularly mean that the user needs to use the discount coupon to purchase products of the resident merchant within a specified time range.

In addition, in a third optional implementation manner provided in this embodiment, based on the access request, the user signs a credit contract for the performing party, and issues a service right provided by the service party to the user, which is specifically implemented by the following manner:

based on the access request, generating a service invitation page of a service project participated by the service party and displaying the service invitation page to the user;

receiving a second access request of the user for at least one service party participating in the service project;

issuing the provided second service right of the at least one service party to the user as the service right;

and under the condition that the second service interest is detected to be picked up, determining a second fulfillment task corresponding to the second service interest as the fulfillment task corresponding to the service interest.

For example, in a catering platform or a new item recommendation scene opened to a user in a payment APP, the user enters a detail page of the new item recommendation item by clicking an entry trigger control of the new item recommendation item, and a corresponding access request is generated after the entry trigger control of the new item recommendation item is clicked;

based on the above, a detail page of the new recommended item is generated and displayed to the user, the detail page displays the service interest and the corresponding related information of the fulfillment task, after the user acquires the service interest and the corresponding related information of the fulfillment task through the detail page, if the user selects to join, the user can submit a fulfillment order by clicking a fulfillment control configured on the detail page, after the fulfillment order of the user is acquired, credit data of the user is acquired, whether the credit of the user meets the credit admission condition of the new recommended item is judged based on the credit data, and if the credit is met, a credit contract between the user and the new recommended item is signed;

after that, if the user wants to participate in the trial eating activity of the new product of the catering merchant in the new product recommendation item, the catering merchant who wants to participate is selected, after the user selects the catering merchant who wants to participate, the new product trial eating coupon provided by the catering merchant is issued to the user, and after the user receives the new product trial eating coupon, the corresponding performance task set by the catering merchant to which the new product trial eating coupon belongs for the new product trial eating coupon is determined as follows: not less than 9 photos of new product sun list evaluation are published.

Step S106, detecting whether the service right is triggered and used by the user within the right validity period of the service right.

After signing the credit contract and issuing the service to the user, detecting whether the service right is triggered and used by the user within the right validity period of the service right; if yes, executing the following step S108, updating the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the service interest acquired within the fulfillment period of the credit contract;

if not, the user is indicated that the service right provided by the service party is not effectively used within the right validity period, namely: and in the case that the user does not perform according to the agreed fulfillment of the credit contract, determining that the fulfillment result of the user on the credit contract is fulfillment failure, and performing degradation processing on the credit rating of the user based on the fulfillment record of the fulfillment failure.

In practical applications, the service rights provided by the service party often have a certain time limit, that is: in order to ensure that the service right provided by the service party can be effectively used by the user as much as possible and reduce the loss of the service right provided by the service party due to expiration invalidation, the service right is valid within a certain time range, and if the service right exceeds the time range, the service right is invalid, so that in an optional implementation manner provided by this embodiment, before detecting whether the service right is triggered and used by the user within the right validity period of the service right, whether the right validity period of the service right expires is determined;

if yes, indicating that the user does not use the service interest in the interest validity period, namely that the user does not perform fulfillment processing according to the agreement in the credit contract, determining that the fulfillment result of the credit contract by the user is fulfillment failure, and updating the credit rating of the user;

if not, the operation of detecting whether the service right is triggered and used by the user within the right and benefit validity period of the service right is carried out, if the operation of detecting whether the service right is triggered and used by the user is not detected, the process of judging whether the right and benefit validity period of the service right is expired is carried out in a return mode until the right and benefit validity period is expired or the user triggers and uses the service right within the right and benefit validity period.

For example, the validity period of a new product trial coupon provided by a catering merchant participating in a catering platform or paying for a new product recommendation item in an APP is 7 days, a user can use the new product trial coupon to trial eat a new product provided by the catering merchant within 7 days, and if the user does not use the new product trial coupon within the validity period of 7 days, the new product trial coupon becomes invalid after the validity period of 7 days is over;

in the specific processing process, whether the 7-day validity period of the new trial coupon issued to the user is expired is judged; if the result is expired, the user is indicated that the new product trial coupon is not used by the user within 7 days, namely the user is indicated that the user does not perform according to the agreement of the credit contract, the performance result of the credit contract signed by the user is determined to be a performance failure, and a default record is recorded in the credit record of the user or the credit rating score of the user is reduced;

if the new product trial coupon is not used, detecting whether the user triggers and uses the new product trial coupon within the validity period of 7 days, if the detection result is that the user does not trigger and use the new product trial coupon within the validity period of 7 days, repeating the process of judging whether the validity period of 7 days of the new product trial coupon issued to the user is expired until the new product trial coupon issued to the user is used by the user or the validity period of 7 days of the new product trial coupon is expired.

In addition, in order to improve the performance rate of the user on the credit contract, after detecting whether the user triggers and uses the service interest within the interest validity period of the service interest, and in the case that the user triggers and uses the service interest within the interest validity period, further judging whether the performance period of the credit contract expires;

if so, determining that the performance result of the user on the credit contract is the performance failure, and updating the credit rating of the user; here, updating the credit rating of the user refers to performing degradation processing on the credit rating of the user;

if not, acquiring the fulfillment data generated by the user performing fulfillment processing on the fulfillment task within the fulfillment deadline;

determining whether the credit contract has completed performance based on the performance data;

if yes, executing the following step S108, updating the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the service interest acquired within the fulfillment period of the credit contract;

if not, returning to the step of judging whether the performance deadline of the credit contract is expired or not.

For example, a catering platform or a catering merchant paying APP and participating in a new product recommendation project provides business rights and interests for a user as a new product trial coupon, a corresponding performance task is that the user issues an evaluation of not less than 150 words for the new product according to an agreement, after the user signs a credit contract for a performing party, the performance deadline of the credit contract is not 30 days, and the user needs to issue an evaluation of not less than 150 words for the new product within the performance deadline of 30 days;

in the specific processing process, judging whether a 30-day performance period expires, if so, indicating that the user does not perform performance evaluation within the 30-day performance period, determining that the performance result of the user on the credit contract is performance failure, and recording default records in the credit records of the user or reducing the credit rating score of the user; if not, obtaining evaluation data of performing evaluation within 30 days of a performance deadline of the user, further judging whether the number of words contained in the evaluation data meets the requirement of not less than 150 words, if so, determining that the performance result of the user aiming at the credit contract is successful, and recording a conservation record in a credit record of the user or improving the credit rating score of the user.

Step S108, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the fulfillment period of the credit contract.

In an optional implementation manner provided by this embodiment, updating the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the service interest acquired within the fulfillment period of the credit contract specifically includes: determining a performance result for the credit contract based on the performance data; if the performance result of the credit contract is successful, upgrading the credit rating of the user; and if the performance result of the credit contract is the performance failure, performing degradation processing on the credit rating of the user.

For example, obtaining evaluation data after the user performs performance evaluation processing on the credit contract, if the evaluation data conforms to the agreement in the credit contract, determining that the performance result of the user on the credit contract is successful, recording a conservation record in a credit record of the user, or improving the credit rating score of the user; and if the evaluation data does not accord with the agreement in the credit contract, determining that the performance result of the user on the credit contract is the performance failure, recording default records in the credit records of the user, or reducing the credit rating score of the user.

In summary, in the data processing method provided in this embodiment, from an access request submitted by a user, a credit contract is signed to agree a fulfillment task that the user needs to perform while enjoying a business interest provided by a business party, and after the business interest is issued to the user, it is detected whether the business interest is triggered and used by the user within an interest validity period of the business interest, and if the user triggers and uses the issued business interest, the credit rating of the user is re-evaluated based on fulfillment data of the fulfillment task acquired by the user within the fulfillment period, so that the fulfillment rate of the fulfillment task while enjoying the business interest provided by the business party is improved by a credit constraint manner, and thus, the crediting will of the user is improved, and a business promotion effect of the business party is ensured.

The first recommendation processing method embodiment provided in this specification:

referring to fig. 2, the first recommendation processing method provided in this embodiment includes steps S202 to S212.

Step S202, obtaining the access request submitted by the user aiming at the recommended item.

In practical application, a merchant issues a certain preferential offer to a user to realize product recommendation, the right of the user to receive the merchant is a short-duration operation, effective connection between the merchant and the user cannot be established, and the preferential right is particularly embodied by issuing 1000 free new trial coupons for some high-quality rights, for example, a certain merchant issues 1000 free new trial coupons, the user has strong willingness to use the high-quality rights, but after the user uses the high-quality rights, the connection between the user and the merchant is interrupted, the high-quality user and a common user cannot be distinguished for the merchant, and the product recommendation effect is limited; from the perspective of the user, the premium rights provided by the merchant may not necessarily be available to the premium user, and the user's experience with the merchant's product recommendations is poor.

The recommendation processing method provided by the embodiment of the invention is based on a credit contract, and is used for agreeing the discount interests provided by merchants participating in recommended items to users, and also is used for agreeing recommendation tasks that the users need to fulfill for the merchants aiming at the acquired discount interests, so that under the constraint of credit, the users can be ensured to enjoy the discount interests provided by the merchants participating in the recommended items, and meanwhile, the users can be prompted to execute the recommendation tasks of the merchants according to the agreement while enjoying the discount interests, so that the trust-keeping willingness of the users is improved, and the service recommendation effect of the merchants is ensured.

The recommendation processing method provided in this embodiment is implemented depending on a specific service scenario, for example, a service scenario in which a merchant participates in recommending items to recommend products, and specifically in the service scenario in which the merchant participates in recommending items to recommend products, the access request in this embodiment refers to an access request submitted by a user for the merchant to participate in recommending items.

For example, in a catering platform or a new item recommendation scenario opened to a user in a payment APP, if the user wants to participate in or experience new item recommendation activities such as new item trial evaluation provided by a catering merchant who hosts the new item recommendation item, and enjoy the right of the new item trial enjoyment provided by the catering merchant, the user can enter a detail page (recommendation offer page) of the new item recommendation item by clicking an entry trigger control of the new item recommendation item, and after clicking the entry trigger control of the new item recommendation item, the user generates a corresponding access request, which is an application request for the user to access the new item recommendation item.

Step S204, generating a recommendation offer page of the recommended item and showing the recommendation offer page to the user so as to respond to the access request.

According to the above example, in a new item recommendation scenario opened to a user in a catering platform or a payment APP, after the user clicks an entry trigger control of the new item recommendation, a corresponding access request is generated, and then a detail page (recommendation offer page) of the new item recommendation is generated and sent to the user, so that the user can know the detail information of the new item recommendation.

Step S206, a credit contract of the user is created according to the credit data of the user and the offer order submitted based on the recommendation offer page.

And step S208, issuing the discount benefits provided by the merchants participating in the recommended item to the user.

The discount interest provided by the merchant in this embodiment may specifically be one or more of a coupon, discount information, a red packet, a service reward, and a consumption card provided by the merchant. Taking the new product recommendation item opened to the user in the catering platform or the payment APP as an example, wherein the preferential right provided by the catering merchant is 1000 new product trial coupons, and if more than 1000 users sign a credit contract with the new product recommendation item, the new product trial coupons are issued to users other than the users in the middle and non-performing of performing state (i.e., the users in the performing state are completed and the users in the empty performing state); if the number of the users signing the credit contract with the new product recommended item is less than or equal to 1000, respectively issuing new product trial coupons to each user; correspondingly, the recommendation task corresponding to the preferential right of the new trial coupon provided by the catering merchant to the user is as follows: the user who gets and uses the trial coupon of the new product needs to give an evaluation of not less than 150 characters for the new product.

In practical applications, the preferential benefits provided by the merchants often exist for a certain period of time, namely: in order to ensure that the benefit provided by the merchant to the user can be effectively used by the user as much as possible and reduce the loss of the benefit provided by the merchant to the user due to expiration and invalidation, in an optional implementation manner provided by this embodiment, whether the benefit validity period of the benefit expires is determined;

if yes, determining that the user fails to fulfill the recommended task;

if not, the following step S210 detects whether the preferential right is triggered and used by the user within the right validity period of the preferential right;

correspondingly, if the following step S210 detects whether the benefit interest is triggered by the user within the benefit interest validity period and the execution result after the execution is negative, the step of determining whether the benefit interest validity period expires is returned.

in the specific processing process, whether the 7-day validity period of the new trial coupon issued to the user is expired is judged; if the result is up, the user is indicated that the user does not use the new product trial coupon within 7 days, namely the user is indicated that the user does not give an evaluation of not less than 150 characters aiming at the new product corresponding to the new product trial coupon, and the fulfillment result of the user to the recommended task is determined as failure;

Step S210, detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right.

After the steps are carried out, after the user is issued with the discount rights provided by the merchant participating in the recommended item, whether the discount rights are triggered and used by the user or not within the right and benefit validity period of the discount rights is detected; if yes, executing the following step S212 to perform task fulfillment processing on the recommended task corresponding to the privilege interest;

if not, the user is indicated that the discount rights provided by the merchant are not used effectively within the rights and interests validity period, the task fulfillment processing is not carried out on the recommended tasks corresponding to the discount rights and interests, in this case, the fulfillment result of the recommended tasks by the user is determined to be fulfillment failure, the credit contract is released, and then the credit rating of the user is degraded based on the fulfillment result of the fulfillment failure.

And step S212, performing task fulfillment processing on the recommended tasks corresponding to the preferential benefits.

In an optional implementation manner provided by this embodiment, the following manner is adopted to perform task fulfillment processing on the recommended task corresponding to the benefit interest:

judging whether the task fulfillment period of the recommended task is expired;

if yes, determining that the user fails to fulfill the recommended task;

if not, acquiring recommended data generated by the user performing task fulfillment processing on the recommended task within the task fulfillment time limit;

judging whether the recommended task is fulfilled or not based on the recommended data;

if yes, determining that the fulfillment result of the user to the recommended task is successful;

if not, returning to the step of judging whether the task fulfillment period of the recommended task is expired or not.

Still taking the above catering platform or new product recommendation items opened to the user in the payment APP as an example, the discount equity provided by the catering merchant to the user is a new product trial coupon, and the recommendation task corresponding to the discount equity provided by the catering merchant to the user is as follows: the user who gets and uses the trial coupon of the new product needs to make an evaluation of not less than 150 characters aiming at the new product; in the specific processing process, judging whether the task fulfillment period of 8 days is expired, if so, indicating that the user does not release evaluation for a new product within the task fulfillment period of 8 days, and determining that the fulfillment result of the recommended task by the user is failure to be fulfilled; if not, obtaining the evaluation data after the user issues evaluation for the new product within the task fulfillment period of 8 days, further judging whether the word number contained in the evaluation data meets the requirement of not less than 150 words, and if so, determining that the fulfillment result of the user on the recommended task is successful.

In addition, in order to increase the task execution trust rate of the user on the recommended task and further increase the performance rate of the user on the credit contract, in an optional implementation manner provided in this embodiment, after performing the task fulfillment processing step on the recommended task corresponding to the benefit and interest, the method further includes:

updating the credit rating of the user according to the user's fulfillment result generated within the contract deadline under the condition that the contract of the credit contract is expired;

and updating the credit rating of the user, wherein updating the credit rating of the user comprises upgrading the credit rating of the user or degrading the credit rating of the user.

For example, the contract term of a credit contract signed between a user and a new product recommended item is 30 days, if the user successfully receives and uses new product trial coupons provided by 3 catering merchants within 30 days and successfully fulfills recommendation tasks corresponding to the three new product trial coupons and giving not less than 150 word evaluation, the credit rating score of the user is reevaluated based on the successful fulfillment results of the 3 recommendation tasks, and if the upgrading condition is met, the credit rating score of the user is promoted;

if the user successfully receives and uses the new product trial coupons provided by 3 catering merchants within 30 days, but the user only fulfills the recommendation tasks corresponding to two new product trial coupons and not less than 150 word evaluations, and the other new product trial coupon does not fulfill the recommendation tasks corresponding to the other new product trial coupon, the credit rating score of the user is reevaluated based on the fulfillment result of successful fulfillment of 2 recommendation tasks and the fulfillment result of failure of fulfillment of 1 recommendation task.

The following further describes the recommendation processing method provided in this embodiment by taking an application of the recommendation processing method provided in this embodiment in a new recommended item scenario as an example, and referring to fig. 3, the recommendation processing method applied in the new recommended item scenario specifically includes steps S302 to S326.

Step S302, obtaining an access request submitted by a user aiming at a new recommended item.

And step S304, generating a recommendation invitation page of the new recommended item and showing the page to the user so as to respond to the access request.

Step S306, creating a credit contract of the user according to the credit data of the user and the offer order submitted based on the recommendation offer page.

And step S308, issuing a new item trial coupon provided by the catering merchant participating in the new item recommendation item to the user.

Step S310, judging whether the right and interest validity period of the new trial coupon is expired;

if yes, go to step S312 and step S314;

if not, go to step S316.

Step S312, determining that the fulfillment result of the evaluation task corresponding to the new trial coupon by the user is failure.

Step S314, the credit contract is released, and the credit rating of the user is degraded based on the fulfillment result of the fulfillment failure.

Step S316, detecting whether the new trial coupon is triggered and used by the user within the right and interest validity period of the new trial coupon;

if yes, go to step S318;

if not, the process returns to step S310.

Step S318, judging whether the task fulfillment period of the evaluation task corresponding to the trial coupon of the new product is expired;

if yes, returning to execute the step S312 and the step S314;

if not, step S320 and step S322 are executed.

Step S320 is to acquire evaluation data generated by the user performing the task fulfillment process for the evaluation task within the task fulfillment period of the evaluation task.

Step S322, judging whether the evaluation task is completed based on the evaluation data;

if yes, go to step S324 and step S326;

if not, the process returns to step S318.

Step S324, determining the result of the user' S evaluation task fulfillment as successful fulfillment.

In step S326, when the contract of the credit contract expires, the credit rating of the user is upgraded according to the fulfillment result of the user generated within the contract deadline.

In summary, according to the recommendation processing method provided by this embodiment, starting from an access request submitted by a user for a recommended item, a credit contract is signed to agree a recommendation task that the user needs to be performed while enjoying an offer interest provided by a merchant participating in the recommended item, and after the offer interest is issued to the user, it is detected whether the offer interest is triggered and used by the user within an interest validity period of the offer interest, and if the user triggers and uses the issued offer interest, task fulfillment processing is performed on the recommendation task, so that a performance rate of the user on the recommendation task while enjoying the offer interest provided by the merchant is improved by the credit constraint, and thus a willingness of the user to be credited is improved, and a product recommendation effect of the merchant is ensured.

The second recommendation processing method embodiment provided in this specification:

referring to fig. 4, the second recommendation processing method provided in this embodiment includes steps S402 to S410.

Step S402, obtaining an access request submitted by a user aiming at a target merchant.

In practical application, a merchant issues a certain preferential benefit to a user to realize product recommendation, the right of the user to receive the merchant is a short-duration operation, effective connection between the merchant and the user cannot be established, and the preferential benefit is particularly embodied as that a part of product trial coupons are issued to certain online shops, the user has strong willingness to use the preferential benefit, but after the user uses the preferential benefit, the connection between the user and the merchant is interrupted, and for the merchant, the preferential user and a common user cannot be distinguished, and the product recommendation effect is limited; from the perspective of the user, the premium rights provided by the merchant may not necessarily be available to the premium user, and the user's experience with the merchant's product recommendations is poor.

The recommendation processing method provided by the embodiment of the invention is based on a credit contract, and is used for agreeing on the benefit provided by a target merchant for a user, and at the same time, is used for agreeing on a recommendation task that the user needs to fulfill for the target merchant according to the obtained benefit, so that under the constraint of credit, the user is ensured to enjoy the benefit provided by the target merchant, and meanwhile, the user is prompted to execute the recommendation task of the target merchant according to the agreement while enjoying the benefit, so that the trust-keeping desire of the user is improved, and the service recommendation effect of the target merchant is ensured.

The recommendation processing method provided in this embodiment is implemented depending on a specific service scenario, for example, a service scenario in which a merchant recommends a product to a user, and specifically in the service scenario in which the merchant recommends a product to a user, the access request in this embodiment refers to a service access request submitted by the user for the merchant.

For example, a certain resident merchant in a transaction platform or a life service APP opens new try-on evaluation activity, product trial activity or business experience sharing activity to a user, if the user wants to participate in or experience recommendation activities such as new try-on evaluation, product trial or business experience sharing of the resident merchant, the user enjoys new try-on interest, product trial interest or business experience interest provided by the resident merchant, the user can participate in merchant activity by accessing a merchant homepage of the resident merchant, or participate in recommendation activity by accessing a corresponding new try-on evaluation activity page, product trial activity page or business experience sharing activity page, and a homepage access request or an activity page access request submitted by the user in the process of accessing the merchant homepage or the activity page is an access request submitted by the user.

And step S404, issuing the discount benefits provided by the target merchant to the user based on the access request.

The discount interest provided by the merchant in this embodiment may specifically be one or more of a coupon, discount information, a red packet, a service reward, and a consumption card provided by the merchant. Taking a product recommendation scene that an resident merchant of a transaction platform opens to a user as an example, wherein a preferential right provided by the resident merchant is a product trial coupon, and when detecting that the user visits a merchant homepage or a recommendation activity page of the resident merchant, the product trial coupon is issued to the visiting user. Correspondingly, the recommendation task corresponding to the preferential right of the product trial coupon provided by the resident merchant to the user is as follows: the user who gets and uses the product trial coupon needs to issue not less than 9 solarization list evaluation photos aiming at the trial product.

And step S406, under the condition that the preferential interest is detected to be drawn, signing a credit contract between the user and the target merchant.

The credit contract in this embodiment means that two or more parties agree on "right", "responsibility" and "profit" on the use of a certain service based on credit; for example, a consensus of product trial evaluation based on credit is achieved between the user and the target merchant; wherein, the right defines the right that one party enjoys, and can also be understood as the behavior that the other party needs to perform, such as issuing a product trial ticket according to an agreed manner, using the product trial ticket, and performing trial evaluation after using the product trial ticket; "liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.; the "benefits" define the benefits or rewards that the performing party can obtain, such as the user being able to enjoy product coupons offered by the target merchants and obtain credit-based rewards after using the product coupons and conducting a trial evaluation.

In practical applications, the preferential benefits provided by the target merchant often exist for a certain period of time, namely: the method includes that a discount right is valid within a certain time range, and is invalid when the discount right exceeds the time range, so that in order to guarantee that the discount right provided by a target merchant for a user can be effectively used by the user as much as possible, and loss caused by expiration invalidation of the discount right provided by the target merchant for the user is reduced, in an optional implementation manner provided by this embodiment, whether the right validity period of the discount right expires is judged;

if yes, determining that the performance result of the user on the credit contract is failure in performance;

if not, executing the following step S408, and detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right;

correspondingly, if the following step S408 detects whether the offer interest is triggered by the user within the interest validity period of the offer interest and the execution result after the execution is negative, the step of determining whether the interest validity period of the offer interest expires is returned.

Step S408, detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right.

After the credit contract between the user and the target merchant is signed, detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right; if yes, executing the following step S410, and performing task fulfillment processing on the recommended tasks corresponding to the discount benefits recorded in the credit contract;

if not, the user is indicated that the preferential interest provided by the target merchant is not effectively used within the interest validity period, and the task fulfillment processing is not performed on the recommended task corresponding to the preferential interest, in this case, the result of the credit contract fulfillment performed by the user is determined to be a fulfillment failure, and the credit rating of the user is degraded based on the fulfillment record of the fulfillment failure.

And step S410, performing task fulfillment processing on the recommended tasks corresponding to the discount benefits recorded in the credit contract.

In an optional implementation manner provided by this embodiment, the following manner is adopted to perform task fulfillment processing on the recommended task corresponding to the benefit interest recorded in the credit contract:

determining whether a contract deadline of the credit contract expires;

if not, acquiring recommended data generated by the user performing task fulfillment processing on the recommended task within the contract time limit;

determining whether the credit contract has performed completely based on the recommendation data;

if yes, determining that the performance result of the user on the credit contract is successful;

if not, returning to the step of judging whether the contract period of the credit contract is expired or not.

In addition, in order to improve the task execution trust rate of the user on the recommended task and further improve the performance rate of the user on the credit contract, in an optional implementation manner provided in this embodiment, after performing task fulfillment processing on the recommended task corresponding to the benefit interest recorded in the credit contract, the method further includes:

updating the credit rating of the user according to the performance result of the credit contract;

if the performance result of the credit contract is successful, upgrading the credit rating of the user;

and if the performance result of the credit contract is the performance failure, performing degradation processing on the credit rating of the user.

The following further describes the recommendation processing method provided in this embodiment by taking an application of the recommendation processing method provided in this embodiment in a product trial scenario as an example, and referring to fig. 5, the recommendation processing method applied in the product trial scenario specifically includes steps S502 to S524.

Step S502, obtaining an access request submitted by a user aiming at an in-place merchant of a transaction platform.

And step S504, issuing a product trial coupon provided by the resident merchant to the user based on the access request.

And step S506, under the condition that the product trial coupon is detected to be picked up by the user, signing a credit contract between the user and the resident merchant.

Step S508, judge whether the right of the product trial ticket is valid for the term;

if yes, executing step S510 and step S512;

if not, go to step S514.

Step S510, determining that the result of the performance of the credit contract by the user is a performance failure.

Step S512, performing degradation processing on the credit rating of the user based on the performance result of the performance failure.

Step S514, detecting whether the product trial coupon is triggered and used by the user within the right and interest validity period of the product trial coupon;

if yes, go to step S516;

if not, the process returns to step S508.

Step S516, judging whether the contract duration of the credit contract is expired;

if yes, returning to execute the step S510 and the step S512;

if not, step S518 and step S520 are executed.

Step S518 is to acquire evaluation data generated by the user performing the task fulfillment process for the evaluation task within the contract period.

Step S520, judging whether the credit contract is performed completely based on the evaluation data;

if yes, go to step S522 and step S524;

if not, the process returns to step S516.

In step S522, it is determined that the performance result of the user on the credit contract is successful.

Step S524, upgrade the credit rating of the user based on the successful performance result.

In summary, according to the recommendation processing method provided by this embodiment, starting from an access request submitted by a user for a target merchant, a credit contract is signed to agree a recommendation task that the user needs to fulfill while enjoying an offer interest provided by the target merchant, and after the offer interest is issued to the user, it is detected whether the offer interest is triggered and used by the user within an interest validity period of the offer interest, and if the user triggers and uses the issued offer interest, the task fulfillment processing is performed on the recommendation task, so that a fulfillment rate of the user on the recommendation task while enjoying the offer interest provided by the target merchant is improved in a credit constraint manner, and thus, a willingness of the user to be credited is improved, and a recommendation effect of the target merchant is ensured.

An embodiment of a data processing apparatus provided in this specification is as follows:

in the above embodiments, a data processing method is provided, and correspondingly, a data processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a data processing apparatus provided in the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a data processing apparatus, including:

an access request obtaining module 602 configured to obtain an access request submitted by a user;

a service interest issuance module 604 configured to sign a credit contract for the performing party with the user based on the access request, and issue a service interest provided by the service party to the user;

a service right detection module 606 configured to detect whether the service right is triggered and used by the user within a right validity period of the service right;

if so, running credit rating update module 608; the credit rating updating module 608 is configured to update the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the service interest acquired within the fulfillment deadline of the credit contract.

Optionally, the access request includes a service access request submitted by the user for a service project in which the service party participates; correspondingly, the service right issue module 604 is specifically configured to:

generating a service invitation page of the service project and displaying the service invitation page to the user so as to respond to the service access request;

according to the credit data of the user and an offer order submitted based on the service offer page, signing a credit contract of the user and the service item;

Optionally, the access request includes a service access request submitted by the user for the service party; correspondingly, the service right issue module 604 is specifically configured to:

under the condition that the service right interest is detected to be picked up, signing a credit contract of the user and the service party; wherein the credit contract comprises the service right and a performing task corresponding to the service right.

Optionally, the data processing apparatus further includes:

a right and interest validity period judging module configured to judge whether the right and interest validity period of the service right expires;

if yes, operating a second credit rating updating module; the second credit rating updating module is configured to determine that the performance result of the user on the credit contract is a performance failure, and update the credit rating of the user;

if not, the service right detection module 606 is operated;

correspondingly, if the operation result after the operation of the service right detection module 606 is negative, the right validity period judgment module is operated.

Optionally, the data processing apparatus further includes:

a performance deadline judging module configured to judge whether a performance deadline of the credit contract expires;

if yes, operating a third credit rating updating module; the third credit rating updating module is configured to determine that the performance result of the user on the credit contract is a performance failure, and update the credit rating of the user;

if not, operating a fulfillment data acquisition module and a fulfillment data judgment module;

the fulfillment data acquisition module is configured to acquire fulfillment data generated by the user performing fulfillment processing on the fulfillment task within the fulfillment time limit;

the performance data judging module is configured to judge whether the credit contract is performed completely based on the performance data;

if so, running the credit rating update module 608;

if not, the performance time limit judging module is operated.

Optionally, the credit rating update module 608 is specifically configured to update the credit rating

Determining a performance result for the credit contract based on the performance data;

Optionally, if the operation result after the operation of the service right detection module 606 is negative, the following modules are operated:

a performance result determination module configured to determine that a performance result of the user on the credit contract is a performance failure;

and the degradation processing module is configured to perform degradation processing on the credit rating of the user based on the performance record of the performance failure.

Optionally, the service right issue module 604 is specifically configured to:

Optionally, the service right provided by the service party includes at least one of the following: coupons, discount information, red packs, service rewards, and expense cards.

The first recommendation processing apparatus provided in this specification includes:

in the above embodiment, a first recommendation processing method is provided, and a recommendation processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 7, a schematic diagram of a first recommendation processing apparatus provided in this embodiment is shown.

The present embodiment provides a recommendation processing apparatus including:

an access request obtaining module 702 configured to obtain an access request submitted by a user for a recommended item;

a recommendation offer page presentation module 704 configured to generate and present a recommendation offer page for the recommended item to the user in response to the access request;

a credit contract creation module 706 configured to create a credit contract for the user according to the user's credit data and the offer order submitted based on the recommended offer page;

an offer benefits issuance module 708 configured to issue to the user offer benefits offered by merchants participating in the recommended item;

a privilege interest detection module 710 configured to detect whether the privilege interest is triggered and used by the user within a privilege interest validity period of the privilege interest;

if yes, the task fulfillment processing module 712 is run; the task fulfillment processing module 712 is configured to perform task fulfillment processing on the recommended task corresponding to the benefit interest.

Optionally, the recommendation processing apparatus further includes:

a right and interest validity period judging module configured to judge whether the right and interest validity period of the preferential right and interest expires;

if yes, operating a fulfillment result determination module; the fulfillment result determination module is configured to determine that the user fails to fulfill the recommended task;

if not, the privilege benefit detection module 710 is operated;

correspondingly, if the operation result after the operation of the privilege and interest detection module 710 is negative, the privilege and interest validity period judgment module is operated.

Optionally, the task fulfillment processing module 712 is specifically configured to:

judging whether the task fulfillment period of the recommended task is expired;

if yes, determining that the user fails to fulfill the recommended task;

if yes, determining that the user successfully fulfills the fulfillment result of the recommended task;

if not, the recommended task is executed and whether the task fulfillment period of the recommended task is expired is judged.

Optionally, the recommendation processing apparatus further includes:

a credit rating update module configured to update a credit rating of the user according to a result of fulfillment of the user generated within the contract term if a contract of the credit contract expires;

wherein the updating of the credit rating of the user comprises upgrading the credit rating of the user or degrading the credit rating of the user.

Optionally, if the operation result after the operation of the privilege benefit detection module 710 is negative, the following modules are operated:

a second fulfillment results determination module configured to determine that fulfillment results of the recommended tasks by the user fail to be fulfilled;

a downgrade processing module configured to release the credit contract and downgrade the user's credit rating based on the fulfillment result of the fulfillment failure.

The second recommendation processing apparatus provided in this specification includes:

in the above embodiment, a second recommendation processing method is provided, and a recommendation processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 8, a schematic diagram of a second recommendation processing apparatus provided in the present embodiment is shown.

an access request obtaining module 802 configured to obtain an access request submitted by a user for a target merchant;

an offer interest issuance module 804 configured to issue to the user, based on the access request, offer interest offered by the target merchant;

a credit contract signing module 806 configured to sign a credit contract of the user with the target merchant in the event that the benefit is detected to be drawn;

a privilege interest detection module 808 configured to detect whether the privilege interest is triggered and used by the user within a privilege interest validity period of the privilege interest;

if yes, the task fulfillment processing module 810 is operated; the task fulfillment processing module 810 is configured to perform task fulfillment processing on a recommended task corresponding to the offer interest recorded in the credit contract.

Optionally, the recommendation processing apparatus further includes:

if yes, operating a performance result determining module; the performance result determining module is configured to determine that the performance result of the user on the credit contract is a performance failure;

if not, the privilege benefit detection module 808 is operated;

correspondingly, if the operation result after the operation of the privilege and interest detection module 808 is negative, the privilege and interest validity period judgment module is operated.

Optionally, the task fulfillment processing module 810 is specifically configured to:

determining whether a contract deadline of the credit contract expires;

if not, the operation judges whether the contract duration of the credit contract is expired.

Optionally, the recommendation processing apparatus further includes:

a credit rating update module configured to update the user's credit rating according to a performance result of the credit contract; if the performance result of the credit contract is successful, upgrading the credit rating of the user; and if the performance result of the credit contract is the performance failure, performing degradation processing on the credit rating of the user.

Optionally, if the operation result after the operation of the privilege benefit detection module 808 is negative, the following modules are operated:

a second performance result determination module configured to determine that a performance result of the user on the credit contract is a performance failure;

corresponding to the data processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a data processing apparatus for executing the data processing method provided above, and fig. 9 is a schematic structural diagram of the data processing apparatus provided in one or more embodiments of the present specification.

The data processing device provided by the embodiment comprises:

as shown in fig. 9, the data processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 901 and a memory 902, where one or more stored applications or data may be stored in the memory 902. Memory 902 may be, among other things, transient storage or persistent storage. The application program stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a data processing device. Still further, the processor 901 may be arranged in communication with the memory 902 for executing a series of computer executable instructions in the memory 902 on the data processing device. The data processing apparatus may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input-output interfaces 905, one or more keyboards 906, and the like.

In one particular embodiment, a data processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the data processing apparatus, and the one or more programs configured for execution by the one or more processors comprise computer-executable instructions for:

acquiring an access request submitted by a user;

based on the access request, the user is used for signing a credit contract for a performing party and issuing a service right provided by a service party to the user;

detecting whether the service right is triggered and used by the user within the right validity period of the service right;

and if so, updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest and acquired within the performance period of the credit contract.

Optionally, the access request includes a service access request submitted by the user for a service project in which the service party participates; correspondingly, the signing a credit contract for a performing party by the user based on the access request and issuing a service right provided by a service party to the user comprises:

Optionally, the access request includes a service access request submitted by the user for the service party; correspondingly, the signing a credit contract for a performing party by the user based on the access request and issuing a service right provided by a service party to the user comprises:

Optionally, after the signing a credit contract for a performing party by the user based on the access request and issuing a service right instruction provided by a service party to the user, and before the detecting whether the service right is triggered by the user within the right validity period of the service right and executing the use instruction, the method further includes:

judging whether the right and interest validity period of the service right expires;

if yes, determining that the performance result of the user on the credit contract is the performance failure, and updating the credit rating of the user;

if not, executing the instruction for detecting whether the service right is triggered by the user and using the service right within the right validity period of the service right;

correspondingly, if the execution result after detecting whether the service right is triggered by the user and executing the use instruction within the right validity period of the service right is negative, returning to execute the instruction for judging whether the right validity period of the service right expires.

Optionally, in the case that the detection result is yes after the business interest is triggered by the user and the usage instruction is executed within the interest validity period of the business interest, and the updating of the performance data of the performance task corresponding to the business interest obtained within the performance period of the credit contract further includes, before the execution of the credit rating instruction of the user is updated, the detecting step further includes:

judging whether the performance period of the credit contract is expired;

if yes, executing the fulfillment data of the fulfillment task corresponding to the service interest acquired based on the fulfillment time limit of the credit contract, and updating the credit rating instruction of the user;

if not, returning to execute the instruction for judging whether the performance term of the credit contract expires.

Optionally, the updating the credit rating of the user based on the performance data of the performance task corresponding to the service interest acquired within the performance deadline of the credit contract includes:

Optionally, if the execution result after detecting whether the service right is triggered by the user and executed by using the instruction is negative within the right validity period of the service right, executing the following instruction:

determining that the result of the user's performance on the credit contract is a performance failure;

and performing degradation processing on the credit rating of the user based on the performance record of the performance failure.

Optionally, the signing a credit contract with the user as a performing party based on the access request, and issuing a service right provided by a service party to the user includes:

The first recommendation processing apparatus embodiment provided in this specification is as follows:

on the basis of the same technical concept, corresponding to the first recommendation processing method described above, one or more embodiments of the present specification further provide a recommendation processing apparatus for executing the recommendation processing method provided above, and fig. 10 is a schematic structural diagram of a recommendation processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a recommendation processing apparatus, including:

as shown in fig. 10, the recommendation processing device may have a large difference due to different configurations or performances, and may include one or more processors 1001 and a memory 1002, and one or more stored applications or data may be stored in the memory 1002. Memory 1002 may be, among other things, transient storage or persistent storage. The application program stored in memory 1002 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a recommendation processing device. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer-executable instructions in the memory 1002 on the recommendation processing device. The recommendation processing device may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input-output interfaces 1005, one or more keyboards 1006, etc.

In one particular embodiment, the recommendation processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the recommendation processing apparatus, and the one or more programs configured for execution by the one or more processors include computer-executable instructions for:

acquiring an access request submitted by a user aiming at a recommended item;

generating and presenting a recommendation offer page for the recommended item to the user in response to the access request;

creating a credit contract of the user according to the credit data of the user and the offer order submitted based on the recommendation offer page;

issuing to the user an offer benefit provided by a merchant participating in the recommended item;

detecting whether the preferential right is triggered and used by the user within the right validity period of the preferential right;

and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests.

Optionally, after the instruction of issuing the offer right provided by the merchant participating in the recommended item to the user is executed and before the detection of whether the offer right is triggered by the user and executed using the instruction within the right validity period of the offer right, the method includes:

judging whether the right and interest validity period of the preferential right and interest expires;

if yes, determining that the user fails to fulfill the recommended task;

if not, executing the instruction for detecting whether the preferential right is triggered by the user and using the instruction within the right validity period of the preferential right;

correspondingly, if the execution result after detecting whether the preferential interest is triggered by the user and executing the instruction is negative within the privilege and interest validity period of the preferential interest, returning to execute the instruction for judging whether the privilege and interest validity period of the preferential interest expires.

Optionally, the performing task fulfillment processing on the recommended task corresponding to the benefit interest includes:

judging whether the task fulfillment period of the recommended task is expired;

if yes, determining that the user fails to fulfill the recommended task;

if not, returning to execute the instruction for judging whether the task fulfillment period of the recommended task is expired.

Optionally, after the executing the task fulfillment processing instruction on the recommended task corresponding to the benefit interest, the method further includes:

updating the credit rating of the user in accordance with the user's fulfillment results generated within the contract deadline in the event of the contract of the credit contract expiring;

Optionally, if the execution result after detecting whether the user triggers and uses the merchant discount right instruction within the right and benefit validity period of the merchant discount right is no, executing the following instruction:

determining that the user's performance of the recommended task results in a failure to perform;

and releasing the credit contract, and performing degradation processing on the credit rating of the user based on the fulfillment result of the fulfillment failure.

The second recommendation processing apparatus embodiment provided in this specification is as follows:

on the basis of the same technical concept, corresponding to the second recommendation processing method described above, one or more embodiments of the present specification further provide a recommendation processing apparatus for executing the recommendation processing method provided above, and fig. 11 is a schematic structural diagram of a recommendation processing apparatus provided in one or more embodiments of the present specification.

as shown in fig. 11, the recommendation processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 1101 and a memory 1102, where the memory 1102 may store one or more stored applications or data. Wherein memory 1102 may be transient or persistent. The application program stored in memory 1102 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a recommendation processing device. Still further, the processor 1101 may be configured to communicate with the memory 1102 to execute a series of computer-executable instructions in the memory 1102 on the recommendation processing device. The recommendation processing device may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input-output interfaces 1105, one or more keyboards 1106, and the like.

acquiring an access request submitted by a user aiming at a target merchant;

issuing the user with an offer benefit provided by the target merchant based on the access request;

under the condition that the preferential interest is detected to be picked up, signing a credit contract of the user and the target merchant;

and if so, performing task fulfillment processing on the recommended tasks corresponding to the preferential rights and interests recorded in the credit contract.

Optionally, the detecting whether the benefit is triggered by the user and executed using an instruction within the benefit validity period of the benefit after the execution of the instruction of signing the credit contract between the user and the target merchant in the case that the benefit is detected to be drawn comprises:

Optionally, the performing task fulfillment processing on the recommended task corresponding to the benefit interest recorded in the credit contract includes:

determining whether a contract deadline of the credit contract expires;

if not, returning to execute the instruction for judging whether the contract duration of the credit contract expires.

Optionally, after executing the task fulfillment processing instruction on the recommended task corresponding to the benefit interest recorded in the credit contract, the method further includes:

Optionally, if the execution result after detecting whether the offer right is triggered by the user and executed using the instruction within the right validity period of the offer right is no, executing the following instruction:

An embodiment of a storage medium provided in this specification is as follows:

in correspondence to the above-described data processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

acquiring an access request submitted by a user;

Optionally, after the process of signing a credit contract for a performing party by the user based on the access request and issuing a service right provided by a service party to the user is executed, and before the process of detecting whether the service right is triggered by the user and executed by the process within the right validity period of the service right is executed, the computer-executable instructions further implement the following process when executed:

if not, executing the process of detecting whether the business right is triggered by the user and used within the right validity period of the business right;

correspondingly, if the execution result after detecting whether the service right is triggered by the user and using the process to execute within the right validity period of the service right is negative, returning to execute the process of judging whether the right validity period of the service right expires.

Optionally, in a case that the detection is performed after the business interest is triggered by the user and the usage flow is executed within the interest validity period of the business interest and the execution result is yes, and before the credit rating flow of the user is updated based on the performance data of the performance task corresponding to the business interest acquired within the performance duration of the credit contract, the computer-executable instructions further implement the following flow when executed:

judging whether the performance period of the credit contract is expired;

if yes, executing the fulfillment data of the fulfillment task corresponding to the service interest acquired based on the fulfillment time limit of the credit contract, and updating the credit rating process of the user;

if not, returning to execute the flow for judging whether the performance term of the credit contract expires.

Optionally, if the execution result after detecting whether the service right is triggered by the user and executing the usage flow within the right validity period of the service right is no, the computer-executable instructions further implement the following flow when being executed:

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the data processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

The second storage medium example provided in this specification is as follows:

on the basis of the same technical concept corresponding to the first recommendation processing method described above, one or more embodiments of the present specification further provide a second storage medium.

acquiring an access request submitted by a user aiming at a recommended item;

Optionally, after the process of issuing the offer benefits provided by the merchant participating in the recommended item to the user is executed and before the process of detecting whether the offer benefits are triggered by the user and executed using the process within the benefit validity period, the computer-executable instructions, when executed, further implement the following process:

if yes, determining that the user fails to fulfill the recommended task;

if not, executing the process of detecting whether the preferential right is triggered by the user and using the preferential right within the right validity period of the preferential right;

correspondingly, if the execution result after detecting whether the preferential interest is triggered by the user and using the process to execute within the privilege and interest validity period of the preferential interest is negative, returning to execute the process of judging whether the privilege and interest validity period of the preferential interest expires.

judging whether the task fulfillment period of the recommended task is expired;

if yes, determining that the user fails to fulfill the recommended task;

if not, returning to the process of judging whether the task fulfillment period of the recommended task is expired.

Optionally, after the task fulfillment processing procedure is performed on the recommended task corresponding to the benefit and interest, the computer-executable instructions, when executed, further implement the following procedure:

Optionally, if the execution result after detecting whether the user triggers and uses the merchant discount right flow within the right and benefit validity period of the merchant discount right is no, the computer-executable instructions, when executed, further implement the following process:

The third storage medium embodiment provided in this specification is as follows:

in correspondence with the second recommendation processing method described above, based on the same technical idea, one or more embodiments of the present specification further provide a third storage medium.

acquiring an access request submitted by a user aiming at a target merchant;

Optionally, after the execution of the process of signing the credit contract between the user and the target merchant in case of detecting that the offer is received, and before the detection of whether the offer is triggered by the user and executed using the process within the validity period of the offer, the computer-executable instructions, when executed, further implement the following process:

determining whether a contract deadline of the credit contract expires;

if not, returning to the process of judging whether the contract period of the credit contract is expired or not.

Optionally, after the task fulfillment processing procedure is performed on the recommended task corresponding to the benefit interest recorded in the credit contract, the computer-executable instructions, when executed, further implement the following procedure:

Optionally, if the execution result after detecting whether the offer interest is triggered by the user and the usage flow is executed within the interest validity period of the offer interest is no, the computer-executable instructions further implement the following process when executed:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the recommended processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A method of data processing, comprising:

acquiring an application request submitted by a user clicking an entry trigger control of a new recommended item;

generating a recommendation invitation page of the new recommended item, displaying the recommendation invitation page to the user, and signing a credit contract between the user and the new recommended item according to the credit data of the user and the submitted contract-responding instruction;

receiving access requests of the user for a plurality of merchants participating in the new recommended item;

issuing new coupons provided by the plurality of merchants to the user;

judging whether the right and interest validity period of the new coupon is expired;

if yes, determining that the fulfillment result of the credit contract by the user is fulfillment failure, and performing degradation processing on the credit rating of the user based on the fulfillment record of fulfillment failure;

if not, detecting whether the new coupon is triggered and used by the user within the right and interest validity period of the new coupon; if not, returning to the step of judging whether the right and interest validity period of the new coupon is expired.

2. The data processing method of claim 1, wherein the application request comprises a service access request submitted by the user for the new recommended item;

correspondingly, the generating a recommendation offer page of the new recommended item and displaying the recommendation offer page to the user, and signing a credit contract between the user and the new recommended item according to the credit data of the user and the submitted offer order, includes:

generating a recommendation invitation page of the new recommended item and displaying the recommendation invitation page to the user so as to respond to the service access request;

according to the credit data of the user and an offer order submitted based on the recommendation offer page, signing a credit contract between the user and the new recommended item;

and issuing a new coupon provided by the merchant to the user.

3. The data processing method of claim 1, the credit contract comprising a fulfillment mission corresponding to the new instrument.

4. The data processing method according to claim 2 or 3, wherein if the result of the step of determining whether the right and interest validity period of the new coupon expires is yes, it is determined that the result of the credit contract performed by the user is a performance failure, and the credit rating of the user is updated.

5. The data processing method according to claim 2 or 3, wherein the detecting whether the new ticket is triggered by the user within the validity period of the right and the using step is executed, and if the result of the execution is yes, the detecting further comprises:

judging whether the performance period of the credit contract is expired;

if yes, updating the credit rating of the user based on the performance data of the performance task corresponding to the new coupon, which is acquired within the performance period of the credit contract;

if not, returning to the step of judging whether the performance term of the credit contract is expired or not.

6. The data processing method of claim 1, further comprising: updating the credit rating of the user based on the fulfillment data of the fulfillment task corresponding to the new coupon acquired within the fulfillment period of the credit contract;

the updating the credit rating of the user based on the performance data of the performance task corresponding to the new coupon acquired within the performance term of the credit contract comprises:

7. The data processing method of claim 1, wherein the generating and presenting a recommendation invitation page of the new recommended item to the user, and the contracting credit contract of the user and the new recommended item according to the credit data of the user and the submitted offer order comprise:

generating a recommendation invitation page of the new recommended item based on the application request and displaying the recommendation invitation page to the user;

receiving a second access request of the user for at least one merchant participating in the new recommended item;

issuing the provided second business equity of the at least one merchant to the user as the business equity provided by the merchant;

8. The data processing method of claim 7, the business interests offered by the merchant comprising at least one of:

coupons, discount information, red packs, service rewards, and expense cards.

9. A data processing apparatus comprising:

the acquisition module is configured to acquire an application request submitted by a user clicking an entry trigger control of a new recommended item;

the signing module is configured to generate a recommendation invitation page of the new recommended item, display the recommendation invitation page to the user, and sign a credit contract between the user and the new recommended item according to the credit data of the user and the submitted contract-applying instruction;

a detection module configured to receive access requests of the user for a plurality of merchants participating in the new recommended item; issuing new coupons provided by the plurality of merchants to the user; judging whether the right and interest validity period of the new coupon is expired; if yes, determining that the fulfillment result of the credit contract by the user is fulfillment failure, and performing degradation processing on the credit rating of the user based on the fulfillment record of fulfillment failure; if not, detecting whether the new coupon is triggered and used by the user within the right and interest validity period of the new coupon; if not, returning to the judgment whether the right and interest validity period of the new coupon is expired.

10. A data processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

issuing new coupons provided by the plurality of merchants to the user;

if not, detecting whether the new coupon is triggered and used by the user within the right and interest validity period of the new coupon; if not, returning to the judgment whether the right and interest validity period of the new coupon is expired.

11. A storage medium storing computer-executable instructions that when executed implement the following:

issuing new coupons provided by the plurality of merchants to the user;

if not, detecting whether the new coupon is triggered and used by the user within the right and interest validity period of the new coupon; if not, returning to the process for judging whether the right and interest validity period of the new coupon expires.