CN113807814A - Service postponement processing method and device - Google Patents
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Abstract
The embodiment of the specification provides a service postponing processing method and a device, wherein the service postponing processing method comprises the following steps: acquiring a deferred application of signing service of a deferred contract signed by a user; performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user; and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
Description
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a service deferral processing method and apparatus.
Background
With the continuous development and popularization of internet technology, the types of services provided based on the internet are more and more abundant, and various fields such as social public services and the like are in online butt joint so as to provide more convenient and better-experienced services for users.
Disclosure of Invention
One or more embodiments of the present specification provide a service deferral processing method, including: and acquiring a deferred application of signing the signed service of the deferred contract signed by the user. And performing credibility evaluation according to the historical service record and the service delay data of the user to obtain the credibility rating of the user. And synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
One or more embodiments of the present specification provide a service deferral processing apparatus, including: and the deferred application acquisition module is configured to acquire the deferred application of the signed service of the user signing the deferred contract. And the credibility evaluation module is configured to perform credibility evaluation according to the historical service records and the service delay data of the user to obtain the credibility rating of the user. A trusted rating synchronization module configured to synchronize the trusted rating to a service authority for deferred processing of the signed service based on the deferred contract if it is determined that the trusted rating satisfies a service deferral condition.
One or more embodiments of the present specification provide a service deferral processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a deferred application of signing the signed service of the deferred contract signed by the user. And performing credibility evaluation according to the historical service record and the service delay data of the user to obtain the credibility rating of the user. And synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring a deferred application of signing the signed service of the deferred contract signed by the user. And performing credibility evaluation according to the historical service record and the service delay data of the user to obtain the credibility rating of the user. And synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
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 flowchart illustrating a service deferral processing method according to one or more embodiments of the present disclosure;
FIG. 2 is a flowchart of a service postponement processing method applied to a periodic service scenario according to one or more embodiments of the present disclosure;
fig. 3 is a schematic diagram of a service deferral processing apparatus according to one or more embodiments of the present disclosure;
fig. 4 is a schematic structural diagram of a service deferral processing device 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 service deferral processing method provided in this specification:
referring to fig. 1, which shows a processing flowchart of a service deferral processing method provided by this embodiment, and referring to fig. 2, which shows a processing flowchart of a service deferral processing method applied to a periodic service scenario provided by this embodiment.
Referring to fig. 1, the service deferral processing method provided in this embodiment specifically includes step S102 to step S106.
Step S102, a postponed application of the signed service of the user signing the postponed contract is obtained.
In the service deferral processing method provided by this embodiment, the user signs a deferral contract with the service organization based on the credit guarantee of the credit platform, thereby determining the service signing the deferred contract as the signed service of the user, performing credible evaluation on the user in the credit dimension, determining the credible rating of the user aiming at the signed service providing the deferred application, and the service organization detects whether the credible rating of the user meets the service delay condition of the signed service for which the delay application is provided, and in the case that the service postponing condition is satisfied, performing service postponing treatment on the signed service currently used by the user, therefore, when the user delays the service charge payment of the signed service, the signed service can be continuously maintained, negative effects on the user caused by the interruption of the signed service are avoided, the service experience of the user is improved, and meanwhile, the application of a credit system in a service scene is promoted.
In the embodiment, the service includes a periodic service for paying the fee according to a preset payment period; wherein the periodic service comprises at least one of: social security services, public deposit services, business security services (such as periodic insurance services). For periodic service, a user needs to pay service fee according to a corresponding payment period, and once the user does not pay service fee within a specified time (the service is paid discontinuously), the service is interrupted due to the payment interruption. For convenience of understanding, the present embodiment distinguishes whether a service is normally used or provided or not by "service hold" and "service interruption", where "service hold" refers to that a service can be normally used by a user, and "service interruption" refers to that service is interrupted.
For example, after the user opens the public accumulation fund service, the user needs to pay the monthly public accumulation fund monthly, and if the user pays the public accumulation fund monthly on time, the public accumulation fund service of the user is in a service maintaining state; however, if the user does not pay the accumulated fund on time in a certain month, the accumulated fund service is interrupted, and the accumulated fund service of the user is in a service interruption state at the moment.
In the embodiment, a service deferral processing mode of 'credit guarantee-contract signing-service deferral' is provided, in which a credit platform serves as a credit guarantee party and provides a credit guarantee for a user, and the user signs a deferral contract for a service with a service institution on the basis of the credit guarantee provided by the credit platform. As described above, the service outage payment will cause the service to change from the "service maintenance" state to the "service outage" state, and the delay in this embodiment means that the "service maintenance" state of the service is continued after the outage payment, that is: the purpose of deferral is to achieve the purpose that the service is still in a service retention state after the payment is interrupted, the service is not changed into a service interruption state to cause negative influence on the user after the payment is interrupted, and the service still remains the service retention after the payment is interrupted, and the purpose is achieved by means of a service deferral processing mode of credit guarantee, contract signing and service deferral provided by the embodiment.
Still taking the above-mentioned public accumulation fund service as an example, if the public accumulation fund of a certain month of the user is not paid on time, the public accumulation fund service is interrupted, and at this time, the public accumulation fund service of the user is in a "service interruption" state, and the purpose of implementing deferral by means of a service deferral processing mode of "credit guarantee-contract signing-service deferral" is that: under the condition that the user does not pay on time, the user's accumulation fund service can still be normally used and is in a ' service keeping ' state instead of a ' service interruption ' state.
It should be noted that, in the deferral in this embodiment, it is not specified in a rule level that the service is in the "service holding" state after the payment interruption, but the service is finally realized in the "service holding" state after the payment interruption by signing the deferral contract between the user and the service organization providing the service on the basis of the credit guarantee provided by the credit platform through the execution of the service deferral processing mode of "credit guarantee-contract signing-service deferral", and performing corresponding deferral processing on the signed service signing the deferral contract by the service organization.
The deferred contract refers to a contract that needs to be signed by a user to implement deferred service, that is, a contract that needs to be signed by the user in the execution process of a service deferred processing mode of 'credit guarantee-contract signing-service deferred service'. The signed service refers to a service for signing a deferred contract.
In a specific implementation, the deferred application for the subscribed service may be provided by a user, for example, the user submits the deferred application for the subscribed service through an access portal of the subscribed service provided in the application program. In addition, in order to improve the service experience of the user and avoid the situation that the service is broken and the signed service is in a service interruption state due to the fact that the user forgets to pay the fee, the credit institution or the service institution can detect the signed service, a corresponding deferred application is generated when the situation that the service is broken and the payment is carried out is detected, the user does not need to manually submit the deferred application for the signed service, and the situation that the service is in the service interruption state and negative influences are brought to the user due to the fact that the user forgets to manually submit the deferred application is avoided.
In an optional implementation manner provided by this embodiment, the signing of the deferred contract is specifically implemented by the following manner:
(1) determining a delay rule of a service for which the user submits a subscription request;
(2) generating a deferred subscription bill based on the deferred rule and sending the deferred subscription bill to the user and a service mechanism corresponding to the service;
(3) and if a signing confirmation instruction of the service mechanism corresponding to the user and the service for the deferred signing list is obtained, generating the deferred contract, and using the service after contract signing as the signed service.
In addition, if the contract confirmation instruction of the user and/or the service organization for the deferred contract order is not obtained, it indicates that at least one of the user and the service organization does not perform contract signing confirmation, and does not perform processing, it needs to be noted that, in the case of no deferred contract signing, once the service is in the condition of payment interruption, the service is still in the service interruption state after the payment interruption.
Optionally, the service includes a periodic service for paying the fee according to a preset payment period; wherein the periodic service comprises at least one of: social security service, public accumulation service, and business security service. The deferral rule refers to specific matters of service deferral agreed by parties participating in signing, and optionally, the deferral rule includes: after the user credit is used as guarantee to sign the deferred contract, the signed service signing the deferred contract is not interrupted in the deferred time interval after being deferred, and the arrears fee generated by the signed service in the deferred time interval is subsidized by the user at the subsidizing time. The guarantee of the user credit is carried out by a credit platform, and particularly, the credit platform guarantees the credibility rating obtained by credibility evaluation according to the historical service records of the user.
The delay time interval refers to a time range in which the user delays the delay service, and the delay time interval may be specified by the user, for example, the user specifies the delay time interval to be 3 months. In addition, the delay time interval is also determined by the credit platform according to the credibility evaluation result of the user, for example, if the credit platform has a higher credibility rating obtained after the credibility evaluation of the user, the correspondingly determined delay time interval is longer, otherwise, if the credit platform has a lower credibility rating obtained after the credibility evaluation of the user, the correspondingly determined delay time interval is shorter.
In the specific execution process, after the signing of the deferred contract of the signed service of the user is completed, in the process that the user uses the signed service provided by the service mechanism, the service mechanism synchronizes the related service data generated by the user using the signed service to the credit platform, and the credit platform stores the synchronized service data according to the user dimension for use in the subsequent credible evaluation process of the user.
And step S104, performing credibility evaluation according to the historical service record and the service delay data of the user to obtain the credibility rating of the user.
The historical service record of the embodiment includes at least one of the following items: the user uses the performance record and the delay record generated in the history service process, and the user uses the history performance record and the history delay record generated in the signing service process in the past. Here, the history service refers to a service other than the subscription service.
The service postponing data refers to the postponing amount and/or the postponing time interval submitted by the user in the postponing application process aiming at the signed service. For example, in the process that the user proposes a deferred application for the public accumulation fund service, the deferred time interval for applying the deferred application is 3 months, and after the payment time is 3 months, the deferred cost is the total cost generated by the user using the public accumulation fund service in the 3 months.
In specific implementation, after a deferred application submitted by a user for the signed service is acquired, credible evaluation of credit dimensions is performed on the user from a historical service record of the user and service deferred data of the deferred application currently performed for the signed service, so that credible rating of the user is obtained.
Specifically, in the process of performing credible evaluation on the user, according to historical service records generated in the process of using different services by the user, the credible evaluation on the user is performed in combination with service postponing data currently applied by the user for the signed service, so as to improve data interoperability between different services, moreover, the user can be credibly evaluated by combining the historical service records generated by different services in the past, so that the historical service records generated by different services can be mutually referred, thereby integrating the credit conditions of the user in different service using processes to carry out more comprehensive credit evaluation on the user, on one hand, improving the accuracy and comprehensiveness of the credit evaluation on the user, meanwhile, based on credible rating with higher accuracy and comprehensiveness, the risk that the user does not carry out service charge reimbursement after carrying out deferred application can be effectively reduced.
In an optional implementation manner provided by this embodiment, the credibility rating of the user is obtained by performing credibility evaluation according to the historical service record and the service postponement data of the user, and the implementation manner is specifically as follows:
and performing credible evaluation on the user according to at least one of the fulfillment record and the postpone record of the historical service of the user, the historical fulfillment record and the historical postpone record of the signed service, and the postpone amount and/or the reimbursement time of the signed service to obtain the credible rating.
And step S106, synchronizing the credible rating to a service organization so as to carry out delay processing on the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
The service deferral condition in this embodiment may be an admission condition of service deferral configured for the subscribed service alone, or an admission condition of service deferral configured for a plurality of services including the subscribed service in a unified manner. Optionally, the service deferral condition includes: the level of the credible rating of the user is higher than the preset credible admittance level of the signed service for service deferral.
In specific implementation, after a user is subjected to credible evaluation and an obtained credible rating is sent to a service mechanism corresponding to a signed service, the service mechanism detects whether the credible rating of the user meets a service delay condition of the signed service, and if the credible rating of the user is determined to meet the service delay condition of the signed service, delay processing of the signed service is carried out based on a delay contract; and if the credibility rating of the user is determined not to meet the service delay condition of the signed service, sending a prompt of failure of delay application to the user.
As described above, the service outage payment causes the service to change from the "service maintenance" state to the "service outage" state, and after the user signs a deferred contract with the service organization providing the service, the service organization performs corresponding deferred processing on the signed service signed with the deferred contract, so as to finally realize that the service is in the "service maintenance" state after the service outage payment. Here, in the process of deferring, the service status flag is used to keep the subscribed service in the "service maintaining" status after the subscribed service is disconnected, specifically, in an optional implementation manner provided in this embodiment, the following manner is adopted to perform deferring of the subscribed service:
marking the service state of the signed service as a payment delay state;
after the service state of the signed service is marked as a payment delay state, the signed service is not interrupted within a delay time interval corresponding to the payment delay state.
In practical application, for a service mechanism corresponding to a signed service, by detecting a payment condition of a user using the signed service, if it is detected that the user using the signed service makes a payment interruption, a service state of the user for the signed service is further detected, and if it is detected that the service state is a payment delay state, it indicates that the user has made a delay application for the signed service, and no processing is required, that is: the signed service used by the user is still kept in a service keeping state after the payment is cut off; and if the service state is detected to be other states except the payment delay state, which indicates that the user does not carry out delay application for the signed service, changing the signed service used by the user from the service maintaining state to the service interruption state.
After the delay processing of the signed service currently used by the user is completed, according to a delay contract signed by the user and a service mechanism corresponding to the signed service, the user needs to make a subsidy of the owed service fee in a delay time interval at corresponding subsidy time, optionally, if the service mechanism receives a fee subsidy request of the user for the signed service, the owed fee amount of the signed service in the delay time interval is determined, and the subsidy processing of the service fee is performed according to the owed fee amount; and canceling the payment delay state of the signed service after the completion of the reimbursement processing.
In addition, under the condition that the user does not make a fee subsidy according to the deferred contract, in order to avoid that the user records a negative credit record even causes credit degradation due to default, optionally, if the service mechanism does not receive a fee subsidy request of the user for the signed service, a debt bill of the debt service fee of the signed service in the deferred time interval is generated and sent to the user so as to remind the user of making the fee subsidy of the signed service. In addition, from the perspective of the service mechanism corresponding to the contracted service, if the condition that the user does not make a fee additional payment according to the deferred contract occurs, the user may be in active default, and for this reason, the contracted service currently used by the user is interrupted in order to reduce the influence on the service mechanism caused by the active default condition of the user.
In this embodiment, for the case that the user does not make a fee subsidy according to the deferred contract, in an optional implementation manner, the default condition of the user is recorded by acquiring an arrearage record of the signed service synchronized by the service organization, and updating the contract status of the deferred contract from the to-be-performed state to the performance failure state according to the arrearage record.
In addition, in specific implementation, in order to improve the perception of the user and the credit platform on the deferred processing result, optionally, after the service organization completes the deferred processing of the signed service, the service organization returns the deferred processing result to the user, and synchronizes the deferred processing result with the credit platform executing the service deferred processing method provided by this embodiment, so as to perform the evidence saving processing of the deferred processing result on the credit platform.
On this basis, after obtaining the deferred processing result synchronized by the service mechanism, the credit platform updates the contract state of the deferred contract to the state to be performed, so as to maintain the state of the deferred contract, and optionally, updates the contract state of the deferred contract to the state to be performed according to the deferred processing result; and updating the contract state of the deferred contract from the to-be-performed state to the performed state on the basis of the service subsidy record acquired from the service organization.
The following takes an application of the service deferral processing method provided in this embodiment in a periodic service scenario as an example, and further describes the service deferral processing method provided in this embodiment, referring to fig. 2, the service deferral processing method applied in the periodic service scenario specifically includes steps S202 to S216.
Step S202, determining a delay rule of the periodic service of the subscription request submitted by the user.
Wherein, the postpone rule includes: after the user credit is used as guarantee to sign the deferred contract, the signed service signing the deferred contract is not interrupted in the deferred time interval after being deferred, and the arrears fee generated by the signed service in the deferred time interval is subsidized by the user at the subsidizing time.
And step S204, generating a delay signing list based on the delay rule and sending the delay signing list to the user and a service mechanism corresponding to the periodic service.
Step S206, if the signing confirmation instruction of the user and the service institution for the deferred signing list is obtained, a deferred contract is generated, and the periodic service signed by the contract is used as the signing service.
Step S208, obtaining the postponed application of the user aiming at the signed service.
And step S210, performing credibility evaluation according to the historical service record and the service delay data of the user to obtain the credibility rating of the user.
And step S212, synchronizing the credible rating to the service organization so as to mark the service state of the signed service as a payment delay state based on a delay contract under the condition that the credible rating is determined to meet the service delay condition.
Step S214, updating the contract state of the deferred contract into a to-be-performed contract state according to the payment deferred state synchronized by the service organization.
Step S216, based on the service reimbursement record obtained from the service organization, updates the contract status of the deferred contract from the to-be-performed status to the performed status.
An embodiment of a service deferral processing apparatus provided in this specification is as follows:
in the foregoing embodiment, a service postponing processing method is provided, and correspondingly, a service postponing processing apparatus is also provided, which is described below with reference to the accompanying drawings.
Referring to fig. 3, a schematic diagram of a service deferral processing apparatus provided in this 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 service deferral processing apparatus, including:
a deferred application acquisition module 302 configured to acquire a deferred application of a subscription service of a user signing a deferred contract;
a credibility assessment module 304 configured to perform credibility assessment according to the historical service records and service delay data of the user to obtain a credibility rating of the user;
a trusted rating synchronization module 306 configured to synchronize the trusted rating to a service authority for deferred handling of the signed-up service based on the deferred contract if it is determined that the trusted rating satisfies a service deferral condition.
An embodiment of a service deferral processing device provided in this specification is as follows:
corresponding to the service postponement processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a service postponement processing device, where the service postponement processing device is configured to execute the service postponement processing method provided above, and fig. 4 is a schematic structural diagram of a service postponement processing device provided in one or more embodiments of the present specification.
The service deferral processing device provided by the embodiment comprises:
as shown in fig. 4, the service deferral processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where one or more stored applications or data may be stored in the memory 402. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a service deferral processing device. Still further, processor 401 may be configured to communicate with memory 402 to execute a series of computer-executable instructions in memory 402 on a service deferral processing device. The service deferral processing apparatus may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input/output interfaces 405, one or more keyboards 406, and the like.
In one particular embodiment, a service deferral processing apparatus comprises 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 service deferral processing apparatus, and execution of the one or more programs by one or more processors comprises computer-executable instructions for:
acquiring a deferred application of signing service of a deferred contract signed by a user;
performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user;
and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
An embodiment of a storage medium provided in this specification is as follows:
on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the service deferral processing method described above.
The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:
acquiring a deferred application of signing service of a deferred contract signed by a user;
performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user;
and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
It should be noted that the embodiment of the storage medium in this specification and the embodiment of the service deferral 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 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 data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data 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 data 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 data 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 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 (15)
1. A service deferral processing method, comprising:
acquiring a deferred application of signing service of a deferred contract signed by a user;
performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user;
and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
2. The service deferral processing method of claim 1, said performing deferral processing of the contracted service based on the deferral contract, comprising:
marking the service state of the signed service as a payment delay state;
after the service state of the signed service is marked as a payment delay state, the signed service is not interrupted within a delay time interval corresponding to the payment delay state.
3. The service deferral processing method according to claim 2, wherein if the service organization receives a fee reimbursement request of the user for the signed service, the owed fee amount of the signed service in the deferral time interval is determined, and the service fee reimbursement processing is performed according to the owed fee amount;
and canceling the payment delay state of the signed service after the completion of the reimbursement processing.
4. The service deferral processing method of claim 2, if the service organization does not receive the request for additional payment of the fee of the subscribed service by the user, generating an owed bill of the owed service fee of the subscribed service within the deferral time interval and sending the owed bill to the user, or interrupting the subscribed service.
5. The service deferral processing method of claim 1, wherein the obtaining a trustworthiness rating of the user by performing trustworthiness evaluation according to the historical service records and service deferral data of the user comprises:
and performing credible evaluation on the user according to at least one of the performance record and the postpone record of the historical service of the user, the historical performance record and the historical postpone record of the signed service, and the postpone amount and/or the payment supplementing time of the signed service, so as to obtain the credible rating.
6. The service deferral processing method of claim 1, wherein the service deferral condition comprises: the level of the credible rating of the user is higher than the preset credible admittance level of the signed service for service deferral.
7. The service deferral processing method of claim 1, wherein before the step of obtaining the deferred application of the subscribed service of the user signing the deferral contract is executed, the method further comprises:
determining a delay rule of a service for which the user submits a subscription request;
generating a deferred subscription bill based on the deferred rule and sending the deferred subscription bill to the user and a service mechanism corresponding to the service;
and if a signing confirmation instruction of the service mechanism corresponding to the user and the service for the deferred signing list is obtained, generating the deferred contract, and using the service after contract signing as the signed service.
8. The service deferral processing method of claim 7, wherein the deferral rules comprise:
after the user credit is used as guarantee to sign the deferred contract, the signed service signing the deferred contract is not interrupted in the deferred time interval after being deferred, and the arrears fee generated by the signed service in the deferred time interval is subsidized by the user at the subsidizing time.
9. The service postponing processing method according to claim 7, wherein the service includes a periodic service for paying a fee according to a preset payment period;
wherein the periodic service comprises at least one of: social security service, public accumulation service, and business security service.
10. The service deferral processing method according to claim 1, wherein after the service organization completes deferral processing of the signed service, a deferral processing result is returned to the user, and the deferral processing result is synchronized with a credit platform executing the service deferral processing method, so that the credit platform performs the evidence saving processing of the deferral processing result.
11. The service deferral processing method of claim 10, said synchronizing the trusted rating to a service authority for, upon determining that the trusted rating satisfies a service deferral condition, further comprising, after performing deferral processing steps for the signed-up service based on the deferral contract:
updating the contract state of the deferred contract into a to-be-performed contract state according to the deferred processing result;
and updating the contract state of the deferred contract from the to-be-performed state to the performed state on the basis of the service subsidy record acquired from the service organization.
12. The service deferral processing method of claim 1, wherein said synchronizing the trusted rating to a service authority for, upon determining that the trusted rating satisfies a service deferral condition, performing deferral processing steps for the signed-up service based on the deferral contract further comprises:
acquiring an owing record of the signed service synchronized by the service mechanism;
and updating the contract state of the deferred contract from the state of waiting for performance to the state of failure of performance according to the debt-payment record.
13. A service deferral processing apparatus, comprising:
the deferred application acquisition module is configured to acquire a deferred application of a signed service of a user signing a deferred contract;
the credibility assessment module is configured to perform credibility assessment according to the historical service records and the service delay data of the user to obtain credibility rating of the user;
a trusted rating synchronization module configured to synchronize the trusted rating to a service authority for deferred processing of the signed service based on the deferred contract if it is determined that the trusted rating satisfies a service deferral condition.
14. A service deferral processing device, comprising:
a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:
acquiring a deferred application of signing service of a deferred contract signed by a user;
performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user;
and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
15. A storage medium storing computer-executable instructions that when executed by a processor implement the following:
acquiring a deferred application of signing service of a deferred contract signed by a user;
performing credibility evaluation according to the historical service record and the service delay data of the user to obtain credibility rating of the user;
and synchronizing the credible rating to a service organization so as to carry out delay processing of the signed service based on the delay contract under the condition that the credible rating is determined to meet service delay conditions.
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| CN202111087000.6A CN113807814A (en) | 2021-09-16 | 2021-09-16 | Service postponement processing method and device |
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| CN202111087000.6A CN113807814A (en) | 2021-09-16 | 2021-09-16 | Service postponement processing method and device |
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