CN115496499A

CN115496499A - Service processing method and device

Info

Publication number: CN115496499A
Application number: CN202211192189.XA
Authority: CN
Inventors: 李友; 王凯
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-10-22
Filing date: 2020-10-22
Publication date: 2022-12-20
Also published as: CN112200582B; CN112200582A

Abstract

The embodiment of the specification provides a service processing method and a service processing device, wherein the service processing method comprises the following steps: acquiring a participation request submitted by a user with a target service access failure; determining the service demand degree of the user for the target service, and searching a service association object of the user for the service demand degree; creating a contract sample and sending it to the associated object in response to the participation request; generating a target contract by using the business association object and the user as a contract signing party according to the association action data submitted by the associated object aiming at the contract sample; and performing participation processing of the user in the target service based on the target contract.

Description

Service processing method and device

The application is a divisional application of Chinese patent application with the application date of 2020, 10 and 22 months, and the application number of CN202011138108.9, entitled "service processing method and device".

Technical Field

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

Background

With the development of internet technology, the transaction modes on the network are more and more diversified, and various credit services are more and more, for example, a user can loan, rent a car or rent an object according to credit, and the user can rent the required article only by meeting the lease right enjoyed by the current credit in the lease process; meanwhile, the attention degree of the credit platform to the user credit is continuously improved, and the establishment and the improvement of a credit system are continuously carried out.

Disclosure of Invention

One or more embodiments of the present specification provide a service processing method. The service processing method comprises the following steps: and acquiring a participation request submitted by a user with a target service admission failure. And determining the service demand degree of the user for the target service, and searching a service association object of the user for the service demand degree. A contract sample is created and sent to the associated object in response to the participation request. And generating a target contract for the contract signing party by the business association object and the user according to the association action data submitted by the associated object for the contract sample. And performing participation processing of the user in the target service based on the target contract.

One or more embodiments of the present specification provide a service processing apparatus, including: and the acquisition module is configured to acquire a participation request submitted by a user with a target service admission failure. The determining module is configured to determine the service demand degree of the user for the target service, and search a service association object of the user for the service demand degree. A creation module configured to create a contract sample and send it to the associated object in response to the participation request. And the generation module is configured to generate a target contract for the contract signing party by the business related object and the user according to the related action data submitted by the related object for the contract sample. And the processing module is configured to perform participation processing of the user in the target service based on the target contract.

One or more embodiments of the present specification provide a target service processing apparatus, including: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: and acquiring a participation request submitted by a user with a target service admission failure. And determining the service demand degree of the user for the target service, and searching a service association object of the user for the service demand degree. A contract sample is created and sent to the associated object in response to the participation request. And generating a target contract for the contract signing party by the business association object and the user according to the association action data submitted by the associated object for the contract sample. And performing participation processing of the user in the target service based on the target contract.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring a participation request submitted by a user with a target service admission failure. And determining the service demand degree of the user for the target service, and searching a service association object of the user for the service demand degree. A contract sample is created and sent to the associated object in response to the participation request. And generating a target contract for the contract signing party by the business association object and the user according to the association action data submitted by the associated object for the contract sample. And performing participation processing of the user in the target service based on the target contract.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or 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 that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a processing flow diagram of a service processing method according to one or more embodiments of the present disclosure;

fig. 2 is a processing flow diagram of a service processing method applied to a first service scenario according to one or more embodiments of the present specification;

fig. 3 is a processing flow diagram of a service processing method applied to a second service scenario according to one or more embodiments of the present specification;

fig. 4 is a processing flow diagram of a service processing method applied to a third service scenario according to one or more embodiments of the present specification;

fig. 5 is a schematic diagram of a service processing apparatus according to one or more embodiments of the present disclosure;

fig. 6 is a schematic structural diagram of a service processing device according to one or more embodiments of the present disclosure.

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 processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a service processing method provided in this embodiment, referring to fig. 2, which shows a processing flow chart of a service processing method applied to a first service scenario provided in this embodiment, referring to fig. 3, which shows a processing flow chart of a service processing method applied to a second service scenario provided in this embodiment, referring to fig. 4, which shows a processing flow chart of a service processing method applied to a third service scenario provided in this embodiment.

Referring to fig. 1, the service processing method provided in this embodiment specifically includes the following steps S102 to S110.

Step S102, obtaining the participation request submitted by the user with the target service admittance failure.

In practical applications, when a user participates in a credit service, service admission judgment is often required to be performed on the user, for example, in the credit service, after a participation request of the user is received, service admission judgment is performed on the user, the user is allowed to participate only when the service admission judgment result of the user is that the user passes the admission, the user is not allowed to participate when the service admission judgment result of the user does not pass the admission, and in this case, the user who is not allowed to participate is often lost.

The service processing method provided in this embodiment first obtains a participation request submitted by a user whose processing result is an admission failure (non-admission) after service admission processing of a target service, further determines a service demand degree of the user for the target service, recommends an association manner for the user to participate in the target service by associating other parties according to different service demand degrees, signs a contract with a service association object according to the association manner selected by the user, and finally performs service processing for the user to participate in the target service based on the contract, that is, opens participation right for the target service to the user with a guarantee provided by other service association objects, thereby improving service participation experience of the user and avoiding user loss.

The target service in this embodiment refers to a service currently performing admission processing, that is, a service in which a user applies for participation and fails to participate. In specific implementation, firstly, the user is subjected to admission processing, and if the result of the admission processing is that the admission is not passed, the user (namely, the user with failed admission) participates in the failure for the first time. Correspondingly, the participation request submitted by the user with the failed admission is a secondary participation request.

After the user fails to admit the target service, the user obtains the admission authority of the target service by using a way of guaranteeing the user by other parties, so that the user can participate in the service which fails to be admitted under the guarantee of other parties to carry out corresponding service processing. Other parties providing guarantees for the user are referred to herein as business association objects, such as historical merchants where the user has a record of fulfillment or associated users (e.g., friend users, relatives) with a particular association with the user. In the actual application process, the business related object guarantees the user by using the credit of the user in a contract mode, so that the user can participate in the target business guaranteed by the business related object.

In specific implementation, before acquiring a participation request submitted by a user with failed target service admission, whether the user meets the admission condition of the target service needs to be judged, if so, the user is determined as a second user, and for the part of users determined as the second user, corresponding guarantees can be actively provided for other users with failed admission so that the users with failed admission can also participate in the target service; if not, determining the user as the user with the service admittance failure, and executing the participation request step submitted by the user with the target service admittance failure.

Step S104, determining the service demand degree of the user for the target service, and searching the service association object of the user for the service demand degree.

In specific implementation, in order to make the determination of the business requirement degree more effective and improve the user experience on the premise of controlling the risk, in an optional implementation manner provided by this embodiment, the business requirement degree is determined specifically by the following manner:

acquiring a service admission rating obtained after the user performs service admission evaluation and attribute information of the target service;

and determining the service demand degree of the user aiming at the target service based on the service admission rating and the attribute information.

For example, a user a submits a participation request for a escort-free service, performs service admission evaluation on a, finds that a service admission rating of the user a does not meet a service requirement for participating in the escort-free service, and can further screen the user a to avoid complaints of the user a or direct abandonment of the escort-free service.

In addition, in the process of determining the service requirement degree, in addition to determining the service requirement degree by combining the service admission rating and the attribute information, the service requirement degree can be determined by any one of the service admission rating and the attribute information.

The service requirement degree refers to a service requirement degree of a user determined according to the credit of the user and the service type of the service, that is, a participation willingness degree of the user for service participation. In this embodiment, the service demand includes three levels, which are a first service demand, a second service demand and/or a third service demand, where the first service demand is strong, the second service demand is general, and the third service demand is no demand.

The following describes a process of determining the first service demand degree, the second service demand degree, and the third service demand degree, and a process of searching a service-related object of the user at the three service demand degrees, respectively.

(1) First service demand degree

Determining a first service demand degree of the user for the target service under the first service demand degree, and searching a service association object of the user for the first service demand degree, which is specifically implemented as follows:

querying a historical fulfillment object with a fulfillment record of the user in a historical service interaction object of the user;

and screening the historical fulfillment objects meeting preset conditions from the inquired historical fulfillment objects, and taking the historical fulfillment objects as the business association objects of the first business requirement of the user.

Specifically, in order to determine a history performing object as a service related object of a user from a plurality of history performing objects of the user more quickly and accurately, a preset condition is set, and the history performing object satisfying the preset condition is screened out by using the preset condition, where the preset condition may be a history performing object with a smallest time span between a performing time and a current time in the queried history performing object or a history performing object with a largest number of performing times of the user, and is not limited herein.

On the basis, the user can obtain the admittance permission of the target service subsequently by using the guarantee of other parties, so that the user can effectively participate in the target service under the guarantee of other parties to carry out corresponding service processing, the user group of the target service is further expanded, and the user complaint is avoided or the target service is directly abandoned.

For example, for the escort-free car service, after the user a applies for participation, the user a is determined as a user with failed admission, the service desirability of the user a for the escort-free car service is obtained as a first service desirability with strong participation willingness through the service admission rating of the user a and the service type of the escort-free car service, in this case, a history fulfillment object of which the user a has a fulfillment record is inquired in the history service interaction record of the user a, a credit-book service party of the credit-book service and a charging-treasures service party of the charging-treasures service have a success fulfillment history are inquired, and a credit-book service party with the smallest time span between fulfillment time and current time is determined as a service-related object of the user a, or a charging-treasures service party with the largest number of fulfillment times is determined as a service-related object of the user a, so that the customer's complaint rate is reduced on the premise of controlling risks.

In practical applications, there often exists a historical fulfillment object that a user has a fulfillment record and is not queried due to less service data of the user, and therefore, an association relationship cannot be established with the user.

In the process of querying the historical fulfillment object of the user, in a case that it is determined that the service requirement degree is the first service requirement degree and the historical fulfillment object of the user is not queried, in an optional implementation manner provided in this embodiment, in a process of associating the user with a user meeting a specific condition, a reminder for inviting a target user to serve as the service association object is sent to the user; correspondingly, in the process of searching the business association object of the user for the business demand degree, firstly, a target user submitted by the user is obtained for the prompt; and then the target user is used as a service association object of the user aiming at the first service demand degree.

Specifically, when the user receives the reminder, a user meeting a specific condition is selected from the user list of the user as a service associated object of the user, and because the user meeting the specific condition and the user not meeting the specific condition also exist in the user list, the user cannot intuitively and correctly select the user meeting the specific condition for association when selecting the user, so as to improve the experience of the user, facilitate the user to determine a target user to be submitted, further improve the efficiency, and enable the user to obtain the service right more quickly, in an optional implementation manner provided in this embodiment, after sending the reminder to the user, the following operations are performed:

detecting an operation of the user entering a user list of the user;

judging whether the user in the user list is an access user of the target service;

and if so, displaying the access identification on the user identification of the access user.

For example, for the escort-free car service, after applying for participation, the user a is determined to be a user with a failed admission, a first service demand degree with strong participation will is obtained through a service admission rating of the user a and a service type of the escort-free car service, a prompt for inviting an admission user of the escort-free car service in a user list as a service association object is sent to the user a under the condition that the user a is not inquired about the existence of a history fulfillment object, when the user a receives the prompt and enters the user list of the user a, whether the user in the user list of the user a is the admission user is judged, an admission identification is displayed on an identification of the admission user in the user list, and the user a can select a target user associated with the user from the admission user as a service association object of the user a according to factors of the user a.

In addition, under the first service demand, the user can also directly submit the target user as a guarantee object without inquiring whether the user has a historical fulfillment object with fulfillment records. Specifically, when the service demand degree is determined to be the first service demand degree, a prompt for inviting a target user to serve as the service associated object is sent to the user; correspondingly, in the process of searching the business association object of the user for the business demand degree, the target user submitted by the user is obtained for the prompt; and taking the target user as a service association object of the user aiming at the first service demand degree.

(2) Second service demand

Determining a second service demand degree of the user for the target service under the second service demand degree, and searching a service association object of the user for the second service demand degree, which is specifically realized as follows:

querying a historical fulfillment object with a fulfillment record of the user in the historical service interaction object of the user;

and screening the historical fulfillment objects meeting preset conditions from the inquired historical fulfillment objects, and taking the historical fulfillment objects as the service association objects of the user aiming at the second service demand degree.

For example, a user B who fails in admission submits a participation request for the escorting-free riding service, and a second service requirement that the service requirement of the user B for the escorting-free riding service is a general participation desire is obtained through the service admission rating of the user B and the service type of the escorting-free riding service, in this case, a history performing object that the user B has a performing record is inquired in a history service interaction record of the user B, it is inquired that the user B has a history of successful performing with a credit book service party of the credit book service and a charging treasure renting service party of the charging treasure renting service, and the credit book service party with the minimum time span between performing time and current time is determined as a service related object of the user B, or the charging treasure renting service party with the maximum number of times of user B is determined as a service related object of the user B, so as to improve user experience on the premise of controlling risks.

(3) Third degree of service requirement

If the user is the user with the third service demand degree, no processing is needed; in addition, in specific implementation, the target service can be known by the user with failed access through a manner of invitation or recommendation of the user with failed access, and the user can participate in the target service through a manner of signing a contract with the user with failed access, so that the participation degree of the user with failed access in the target service is improved.

Specifically, for the user with the target service being the admission failure with the third service requirement, other users meeting specific conditions may invite to participate in the target service; in an optional implementation manner provided by this embodiment, the invitation is invited in the following manner:

acquiring a related application submitted by a second user aiming at the related user;

signing a second contract with the second user and the associated user as a contract signing party according to the contract sample;

and performing authority sharing processing on the user authority of the second user based on the second contract so that the associated user obtains the user authority of the second user, or performing execution processing on a second service to which the associated application belongs.

In the process, before the participation request submitted by the user with the target service admittance failure is obtained, whether the user is used as an inviting party or an invited party is determined by judging whether the user is an admittance user of the target service; specifically, in an optional implementation manner provided in this embodiment, it is determined whether a user meets an admission condition of the target service, and if so, the user meeting the admission condition is determined as the second user; if not, determining the user which does not meet the admission condition as the user which fails in the target service admission, and executing the participation request step submitted by the user which fails in the target service admission acquisition.

For example, in the process of processing the associated user D to use the spare money service, the user C applies for guaranteeing the associated user D, and first determines whether the user C meets the admission condition of the spare money service, if not, determines the service requirement degree of the user C for the spare money service, if the service requirement degree is the first service requirement degree or the second service requirement degree, signs a contract according to the corresponding mode, and if the service requirement degree is the third service requirement degree, does not process the user C; if the user C meets the admission condition of the spare money service and is an admitted user of the spare money service, the user C can be used as a second user to initiate a correlation request for guaranteeing the correlation user D, wherein the correlation user D is a user with failed admission of the spare money service, the user C and the correlation user D are used as contract signing parties to sign a second contract according to a contract sample, and after the contract is signed, the user C can share the service authority of the user C to the correlation user D, so that the correlation user D can participate in the spare money service or even more credit services, the perception degree of the target service of the admitted user with failed admission failure is improved, and the user quantity of the target service is further increased.

Step S106, a contract sample is created and sent to the associated object to respond to the participation request.

The contract means that two or more parties agree on the use of a certain service based on credit, namely, the right, the responsibility and the interest, and each party achieving the agreement reserves an agreed agreement data; for example, a consensus of vehicle leasing based on credit is achieved between the service related object and the user, the user and the service related object share the consensus of authority sharing for participating in vehicle leasing service under the credit constraint, or the user and the service related object share the consensus of leasing goods under the premise of taking credit as guarantee.

And in the case that the contract template is already signed by one party, inviting the other party to sign the contract template, wherein the other party invited to sign the contract template is the associated object.

The following describes the process of creating a contract sample and sending the contract sample to the associated object to correspond to the participation request under the first service demand level and the second service demand level, respectively.

(1) First service demand

Under the first service demand degree, creating a contract sample and sending the contract sample to an associated object so as to respond to the participation request, wherein the contract sample is specifically realized as follows:

creating a contract sample for the target business according to a contract template;

sending a contract sample written to the history performance object to the user.

According to the above example, after inquiry, the credit loan service party is used as a service association object of the user A with failed admission, a contract sample for the escort-free service is created according to a contract template, the credit loan service party which has obtained authorization is written into the contract sample, the contract sample can take effect after being confirmed by both parties, and the contract sample is sent to the user A.

In order to improve the experience of the user on the credit service, in an optional implementation manner provided in this embodiment, a contract sample is created for the service associated object in a time dimension and a service range dimension, and the contract sample is guaranteed for the user for multiple times, so as to improve the convenience of the user in use, where the contract sample is created only for the target service, and the specific implementation manner is as follows:

creating a contract sample according to the contract template;

sending a contract sample written to the historical fulfillment object to the user;

wherein the contract configuration of the contract sample includes a validity association range, a validity period and/or a validity number.

Continuously taking the car rental service without escorting as an example, by inquiry, taking a credit loan service party as a service associated object of the user A with access failure, creating a contract sample according to a contract template, writing the authorized credit loan service party into the contract sample, and after the contract sample is confirmed by both parties, the contract sample can take effect, and sending the contract sample to the user A; the contract configuration of the contract sample comprises a valid association range, a valid period and valid times, namely, the contract indicates that credit services which can be participated by the user A after the contract is determined are specifically included in the contract, and also indicates the service period of the user A for the credit services, such as from xx 6 months to xx 9 months, in this time range, the credit services which are requested to be participated in the contract by the user A are all admitted; in addition, the number of times of participation of the user a in the credit service within the contract term can be included, for example, the contract specifies that the user a can participate in the valid association range only 10 times within the validity term, and in the case that the user a has been used 10 times, although the user a is still in the validity term of the contract, the user a cannot continue to participate in the credit service within the valid association range, so as to control the risk and avoid the risk caused by long-term or multiple participation of the user a in the credit service at the current credit rating.

Under the first service demand degree, in order to avoid that the user cannot obtain the history performing object for association because the user does not inquire the history performing object, the user may also associate a target user submitted by the user as a service association object, and the specific implementation manner is as follows:

creating a contract sample for the target service according to a contract template;

sending a contract sample written to the user to the target user;

for example, for the escort-free car service, the user a who fails in admission selects the target user E as the associated object from the admissible users in the user list, creates a contract sample for the escort-free car service according to the contract template, writes the user a into the contract sample, and the contract sample can be validated after being confirmed by both parties, and sends the contract sample to the target user E.

In practical applications, a user may participate in a plurality of credit services in a short time, and in order to improve the experience of the user on the credit services, in an optional implementation manner provided by this embodiment, a contract sample that can guarantee the user for a plurality of times in a time dimension and a service range dimension is created, so as to improve the convenience of the user in use, which is specifically implemented as follows:

creating a contract sample according to the contract template;

sending a contract sample written to the user to the target user;

for example, for a car escorting-free service, a target user E submitted by a user a who fails to enter the car escorting service is used as a service association object, a contract sample is created according to a contract template, the user a is written into the contract sample, the contract sample can take effect after being confirmed by both parties, and the contract sample is sent to the target user E; the contract configuration of the contract sample comprises a valid association range, a valid period and a valid number, namely after the contract is determined, the credit services which can be participated by the user A are specifically included in the contract, and the service period of the user A for the credit services is also described, such as from xx 6 months to xx 9 months, in this time range, the credit services which are included in the contract are requested to be participated by the user A, besides, the participation number of the user A for the credit services in the contract is also included, for example, the contract specifies that the user A can only use the valid association range for 10 times in the valid period, and in the case that the user A uses the credit services for 10 times, although the contract is still in the valid period, the user A can not continue to participate in the credit services in the valid association range, so as to control risks, and avoid risks caused by long-term or multiple-term use of the credit services by the user A in the current credit rating.

(2) Second service demand

Under the second service demand degree, the user also obtains the authority to participate in the target service by establishing an association relationship with the historical fulfillment merchant, specifically, a contract sample is created and sent to an associated object to respond to the participation request, and the following method is adopted:

sending a contract sample written to the user to the target user;

and creating a contract sample aiming at the target business according to a contract template, and sending the contract sample written into the history performance object to the user.

For example, a user B who fails in admission applies for participating in the escorting-free riding service, after inquiry, a credit borrowing service party is used as a service associated object of the user B, a contract sample for the escorting-free riding service is created according to a contract template, the authorized credit borrowing service party is written into the contract sample, the contract sample can take effect after being confirmed by both parties, and the contract sample is sent to the user B.

In order to improve the convenience of the user, under the second service demand level, in an optional implementation manner provided by this embodiment, the contract sample is specifically created in the following manner:

creating a contract sample according to the contract template;

sending a contract sample written to the history fulfillment object to the user;

wherein the contract configuration of the contract sample includes valid association range, valid period and/or valid times.

For example, a user B who fails to enter the contract applies for participating in the escorting-free riding business, after inquiry, a credit book borrowing business party is used as a business related object of the user B, a contract sample is created according to a contract template, the contract sample can take effect after being confirmed by both parties, and the contract sample is sent to the user B; the contract configuration of the contract sample comprises a valid association range, a valid period and a valid number, namely, the contract indicates that credit services which can be participated by the user B after the contract is determined specifically comprise the credit services, and also indicates the service period of the user B for the credit services, such as from xx 6 months to xx 9 months, in the time range, the credit services which are requested to be participated in the contract by the user B are all admitted, or the contract comprises the participation number of the user B for the credit services, for example, the contract indicates that the user B can only use the valid association range for 10 times, and the contract is terminated when the user B is detected to use the credit services for 10 times, so as to control the risk and avoid the risk caused by long-term or multiple-time credit service use of the user B under the current credit.

And step S108, generating a target contract for the contract signing party by the business related object and the user according to the related action data submitted by the related object aiming at the contract sample.

The related action data refers to the operations of supplementing and confirming the contract template under the condition that the related object agrees with the content in the contract template.

The following describes a specific process of generating a target contract by using the business-related object and the user as a contract signing party according to the related action data submitted by the related object for the contract sample under the first business requirement degree and the second business requirement degree, respectively.

(1) First service demand degree

Under the first business demand degree, according to the associated action data submitted by the associated object aiming at the contract sample, the process of generating the target contract by taking the business associated object and the user as a contract signing party is specifically realized by adopting the following mode:

acquiring associated action data of the user on the contract sample;

and generating the target contract by writing the user into the contract sample based on the associated action data, and freezing the resources in the resource space of the user according to the amount of the admission targets of the target service.

For example, a user a who fails to enter the vehicle escorting-free service requests to participate in the vehicle escorting-free service, obtains a contract signing operation submitted by the user a for a contract sample aiming at the contract sample written in the credit borrowing service party, writes the user a into the contract sample according to the contract signing operation submitted by the user a, so that the contract sample takes effect after being confirmed by the credit borrowing service party and the user a, generates a target contract, and freezes funds in a fund account of the user a or credit points in the credit account according to the requirement of an admission target of the vehicle escorting-free service, so as to supervise and urge the user a to execute the contract terms in the target contract record.

In practical applications, in order to avoid user loss and complaint phenomena caused by lack of service data, the user may be associated with a target user, in which case, according to the associated action data submitted by the associated object for the contract sample, the process of generating a target contract by using the service associated object and the user as a contract signing party is specifically implemented as follows:

acquiring associated action data of the target user on the contract sample;

generating the target contract by writing the target user into the contract sample based on the associated action data, and freezing resources in a resource space of the user according to the amount of the admission targets of the target service;

for example, a user a who fails to enter the vehicle exemption service requests to participate in the vehicle exemption service, a contract sample written into the user a is sent to a target user E submitted by the user a, a signing operation submitted by the target user E on the contract sample is obtained, the target user E is also written into the contract sample according to the signing operation submitted by the target user E, the contract sample is validated by the user a and the target user E, a target contract is generated, funds in a fund account of the user a or credit points in a credit account are frozen according to the requirement of the vehicle exemption service, and the user a is supervised to execute the performance terms in the target contract record.

(2) Second service demand

Under a second business demand degree, generating a target contract by using the business related object and the user as a contract signing party according to the related action data submitted by the related object aiming at the contract sample, and specifically adopting the following mode:

acquiring associated action data of the user on the contract sample;

generating the target contract by writing the user to the contract sample based on the associated action data.

For example, the user B who fails in admission requests to participate in the escort-free riding service, obtains the signing operation submitted by the user B for the contract sample written in the credit borrowing service party, writes the user B into the contract sample according to the signing operation submitted by the user B, so that the contract sample becomes effective after being confirmed by the credit borrowing service party and the user B, generates a target contract, and adopts a signing mode lighter than the first service requirement degree in the second service requirement degree, thereby improving the credit experience of the user.

And step S110, performing participation processing of the user participating in the target service based on the target contract.

The service processing is to open the participation authority of the target service to the insured party under the condition that the insured party and the insured party agree the contract.

In order to enable a user to obtain service authority aiming at the target service, the authority of the service related object in the service dimension to which the target service belongs is shared to the user, so that the user obtains the service authority, and the user is subjected to admission processing of the target service based on the shared authority obtained by the user.

In order to further manage the execution condition of the target contract by the user, this embodiment provides an alternative implementation manner, in which whether the user performs is determined by:

monitoring whether the user executes the service execution event when the fulfillment deadline expires according to the fulfillment deadline and the service execution event recorded in the target contract;

if not, carrying out default processing according to default clauses recorded in the target contract, and/or carrying out business overdue processing based on a business overdue agreement of the target business.

In addition, other penalty modes, such as violation processing of the platform, can be executed.

The following specifically describes the processes of performing service processing of the user participating in the target service and monitoring whether the user performs the contract based on the contract under the first service demand degree, the second service demand degree and the third service demand degree, respectively.

(1) First service demand degree

In the case of associating the first service requirement degree with the historical performance object, the generated target contracts are divided into two types, one is a target contract created for the target service, and the other is a target contract created to include a valid association range, and the following respectively describes the processes of the two target contracts, and the participation process of the user in the target service is performed based on the target contract.

In order to enable a user to participate in a target service under the condition that a target contract is specific to the target service, the participation process of the user participating in the target service is performed based on the target contract, and the following specific implementation is as follows:

based on the target contract, performing authority sharing processing on the service authority of the history performing object so as to enable the user to obtain the service authority of the history performing object for the target service;

and performing admission processing on the target service for the user based on the service authority acquired by the user.

For example, the user a who has failed in admission requests to participate in the escort-free service, has already obtained a target contract for the escort-free service, which is generated by taking the user a and the credit loan service party as contract signing parties, and performs shared processing on the service authority of the credit loan service party according to the target contract, so that the user a can obtain the service authority of the credit loan service party for the escort-free service, and performs admission processing on the user a when the user a obtains the service authority for the escort-free service, and makes the user a participate in the escort-free service on the premise of controlling risks.

And under the condition that the target contract comprises the effective association range, performing participation processing of the user participating in the target service based on the target contract, and specifically realizing the following steps:

judging whether the target service is in the valid association range or not and whether the submission time of the participation request is in the valid period or not;

if yes, based on the target contract, performing authority sharing processing on the service authority of the historical fulfillment object so that the user can obtain the service authority of the historical fulfillment object, and based on the service authority obtained by the user, performing admission processing on the target service for the user; if not, the entry is not permitted;

and/or the presence of a gas in the atmosphere,

judging whether the number of times of submitting the participation request is less than or equal to the effective number of times;

if yes, performing permission sharing processing on the service permission of the historical fulfillment object based on the target contract so that the user can obtain the service permission of the historical fulfillment object, performing admission processing on the target service on the user based on the service permission obtained by the user, and if not, not admitting.

For example, a user a who fails in admission requests to participate in the car rental exemption service, already obtains a target contract which is generated by the user a and a credit loan service party as a contract signing party and comprises a valid association range and a valid period or comprises valid times, judges whether the participation request of the car rental exemption service submitted by the user a is in the valid association range according to the target contract, and judges whether the submission time of the user a for the car rental exemption service is in the valid period.

Under the condition of carrying out service processing aiming at two different contracts, the service authority of the historical fulfillment object is shared to the user, so that the user can participate in the target service, the user quantity of the target service is increased, and the experience of the user is also improved.

In addition, in order to further manage the execution condition of the user on the target contract, after the participation processing step of the user in the target service is executed based on the target contract, whether the user executes according to the terms configured by the target contract is judged according to the content of the target contract;

in an optional implementation manner provided by this embodiment, after performing service processing on the user, the following operations are further performed:

monitoring whether the user executes the business execution event when the performance deadline expires according to the performance deadline and the business execution event recorded in the target contract;

if yes, upgrading the credit of the user;

if not, performing degradation processing on the credit of the user, recovering the service authority acquired by the user and keeping the frozen state of the frozen resource of the user.

For example, after the admission processing of the car-exempting service is performed on the user a, in order to further promote the user a to keep track of the contract, it is necessary to monitor whether the user a executes the service execution event when the performance term expires according to the performance term and the service execution event recorded in the target contract, and if so, the performance behavior is used as a reference for rating the credit of the user; if not, the user A is subjected to degradation processing, and the credit borrowing business party shares the business authority to the user A. In addition, the frozen state of the frozen resource of the user A can be maintained, and other default handling operations can be performed on the user A.

The generated target contracts are also divided into two types aiming at the condition of first service demand degree and association with a target user, wherein one type is to create the target contract aiming at the target service, and the other type is to create the target contract comprising a valid association range, and the following respectively describes the processes of the two target contracts and the participation processing of the user in the target service based on the target contract.

In order to enable a user to participate in a target service in the absence of historical performance object data in the case that a target contract is specific to the target service, the participation process of the user in the target service is performed based on the target contract, and the following steps are specifically implemented:

and performing authority sharing processing on the service authority of the target user based on the target contract so that the user can obtain the service authority of the target user, and performing admission processing on the target service for the user based on the service authority obtained by the user.

For example, the user a who has failed in admission requests to participate in the car-saving-free service, has already obtained a target contract for the car-saving-free service, which is generated by taking the user a and the target user E as contract sign parties, and performs shared processing on the service authority of the target user E according to the target contract, so that the user a can obtain the service authority of the target user E for the car-saving-free service, and on the basis that the user a obtains the service authority of the car-saving-free service, the user a performs admission processing on the user a, and the user a participates in the car-saving-free service on the premise of controlling risks.

if yes, performing authority sharing processing on the service authority of the target user based on the target contract so that the user can obtain the service authority of the target user, and performing admission processing on the target service for the user based on the service authority obtained by the user; if not, the entry is not permitted;

and/or the presence of a gas in the gas,

judging whether the submission times of the participation request are less than or equal to the effective times;

if so, performing permission sharing processing on the service permission of the target user based on the target contract so that the user can obtain the service permission of the target user, and performing admission processing on the target service for the user based on the service permission obtained by the user; if not, the entry is not allowed.

For example, a user a who fails in admission requests to participate in the car escorting-free service, already obtains a target contract which is generated by taking the user a and a target user E as contract signing parties and comprises a valid association range and a valid period or comprises valid times, judges whether the participation request of the car escorting-free service submitted by the user a is in the valid association range according to the target contract, judges whether the submission time of the car escorting-free service by the user a is in the valid period or not, and can judge whether the submission times of the participation request of the user a are less than or equal to the valid times or not, and if the results are met, performs permission sharing processing on the service permission of the target user E, so that the user a obtains the service permission of the target user E, performs admission processing on the car escorting-free service on the premise of further controlling risks, and improves the experience of the user a.

Under the condition of carrying out service processing aiming at two different contracts, the service authority of the target user is shared by the user, so that the user can participate in the target service, the user quantity of the target service is increased, and the experience of the user is also improved.

In addition, in order to further manage the execution condition of the user on the target contract, after the participation processing step of the user in the target service is executed based on the target contract, whether the user executes according to the terms configured by the target contract is also judged according to the content of the target contract;

in an optional implementation manner provided in this embodiment, after performing service processing on a user, the following operations are further performed:

if yes, the credit rating of the user is increased;

For example, the user a is admitted with a car rental free service, and in order to further promote the user a to be on duty, according to the fulfillment time limit and the service execution event recorded in the target contract, whether the user a executes the service execution event when the fulfillment time limit expires is monitored, and if not, the user a and the target user E are subjected to credit degradation processing, and the service right shared by the target user E to the user a is recovered. In addition, the frozen state of the frozen resource of user a can be maintained, and other operations for breach processing can be performed for user a and target user E.

(2) Second service demand

Under the second service demand degree, the user is associated with the historical performance object, the generated target contracts are divided into two types, one is to create the target contract aiming at the target service, the other is to create the target contract comprising the effective association range, and the following respectively describes the processes of the two target contracts and the participation processing of the user participating in the target service based on the target contract.

In order to enable a user to participate in a target service when a target contract is for the target service, the participation processing of the user participating in the target service is performed based on the target contract, and the following specific implementation is performed:

based on the target contract, performing authority sharing processing on the service authority of the history fulfillment object so as to enable the user to obtain the service authority of the history fulfillment object for the target service;

For example, the user B who has failed in admission applies for participation in the escort-free riding service, has obtained a target contract for the escort-free riding service generated by the user B and the credit loan service party as contract signing parties, and performs shared processing on the service authority of the credit loan service party according to the target contract, so that the user B can obtain the service authority of the credit loan service party for the escort-free riding service, and performs admission processing on the user B on the basis that the user B obtains the service authority of the credit loan service party, so that the user B participates in the escort-free riding service on the premise of controlling risks.

And under the condition that the target contract comprises the effective association range, performing participation processing of the user participating in the target service based on the target contract, specifically realizing the following steps:

if yes, based on the target contract, performing authority sharing processing on the service authority of the historical fulfillment object so that the user can obtain the service authority of the historical fulfillment object, and based on the service authority obtained by the user, performing admission processing on the target service for the user; if not, the access is not allowed;

and/or the presence of a gas in the atmosphere,

if yes, based on the target contract, performing authority sharing processing on the service authority of the historical fulfillment object so that the user can obtain the service authority of the historical fulfillment object, and based on the service authority obtained by the user, performing admission processing on the target service for the user; if not, the entry is not allowed.

For example, the user B who fails in admission applies for participation in the escorting-free riding service, already obtains a target contract which is generated by taking the user B and the credit loan service party as a contract signing party and comprises a valid association range and a valid period or comprises valid times, judges whether a participation request of the escorting-free riding service submitted by the user B is in the valid association range according to the target contract, judges whether the submission time of the user B for the escorting-free riding service is in the valid period, and can also judge whether the submission times of the participation request of the user B are less than or equal to the valid times, and performs permission sharing processing on the service permission of the credit loan service party after judging that the participation times meet conditions, so that the user B obtains the service permission of the credit loan service party, performs admission processing on the escorting-free riding service on the user B on the premise of further controlling risks, and improves the experience of the user B.

Under the condition of carrying out service processing aiming at two different contracts, the service authority of the historical fulfillment object is shared to the user, so that the user can participate in the target service, the user quantity of the target service is increased, and the experience of the user is improved.

In addition, in order to further manage the execution of the target contract by the user, after the participation processing step of the user in the target service is executed based on the target contract, whether the user performs is judged according to the content of the target contract;

if yes, the credit rating of the user is increased;

if not, performing degradation processing on the credit of the user, and recovering the service authority acquired by the user.

For example, admission processing of the escorting-free riding service is performed on the user B, in order to further promote the user B to be in charge, whether the user B executes the service execution event when the fulfillment period expires is monitored according to the fulfillment period and the service execution event recorded in the target contract, if not, the credit of the user B is degraded, and the service authority shared by the credit borrowing service party to the user B is recovered. In addition, other default handling operations may also be performed for user B.

(3) Third degree of service requirement

In order to further manage the execution condition of the second user and the associated user on the target contract, based on the second contract, performing permission sharing processing on the user permission of the second user so that the associated user obtains the service permission of the second user, or after executing the execution processing step on the second service to which the associated application belongs, judging whether the second user and the associated user perform according to the content of the target contract;

in an optional implementation manner provided by this embodiment, it is specifically determined whether the associated user performs the following manner:

monitoring whether the second user and/or the associated user executes the service execution event when the fulfillment deadline expires according to the fulfillment deadline and the service execution event recorded in the second contract;

if so, promoting the credit level of the second user and/or the associated user;

if not, the default treatment is carried out on the second user and/or the associated user according to the default clauses recorded in the second contract.

For example, in the process of applying for security of the associated user D, so that the associated user D may use the spare fund service, the user D obtains the service right of the spare fund service shared by the user C and participates in the spare fund service, monitors whether the user C and the user D execute the service in accordance with the performance deadline and the service execution event recorded in the second contract signed by the user C and the user D when the performance deadline expires, and if not, performs degradation processing on the credits of the user C and the user D, and recovers the service right shared by the user C to the user D. In addition, other default handling operations may also be performed for user C and user D.

In the following, with reference to fig. 2, the service processing method provided in this embodiment is further described by taking an application of the service processing method in the first service scenario as an example. Referring to fig. 2, the service processing method applied to the first service scenario specifically includes steps S202 to S230.

Step S202, a participation request submitted by a user with a target service admittance failure is obtained.

And step S204, determining the service demand degree of the user for the target service based on the risk rating of the user and the service type of the target service.

Specifically, if the risk rating of the user is low and the service type of the target service is a car rental free type, determining the service demand degree of the user for the target service as a first service demand degree with strong participation willingness according to the risk rating and the service type of the user.

Step S206, find whether the user has a historical merchant with a fulfillment record.

Specifically, if yes, go to step S208 to step S216;

if not, step S220 to step S230 are executed.

And step S208, screening historical merchants meeting preset conditions as service associated objects of the users.

Step S210, writing the historical merchant into a contract sample created according to the contract template, and sending the contract sample to the user.

Step S212, according to the signing operation submitted by the user, writing the user into a contract sample to generate a target contract which takes the user and the historical merchant as a contract signing party.

Step S214, based on the access authority obtained by the user after the target contract is signed, the user is allowed to access the target service.

Step S216, monitoring whether the user executes the service execution event when the performance deadline of the target contract expires.

Specifically, if yes, upgrading the credit of the user;

if not, go to step S218.

Step S218, the credit of the user is degraded, the service authority obtained by the user is recovered, and the frozen state of the frozen resource of the user is maintained.

Step S220, sending a prompt to the user to invite the target user as a service association object.

After sending a prompt for inviting a target user as a business association object to the user, monitoring whether the user enters a user list or not;

if yes, go to step S222;

if not, returning to monitor whether the user enters the user list or not.

Step S222, querying an access user that the target service passes through in the user list, and displaying an access identifier on the user identifier of the access user.

Step S224, a target user submitted by the user is obtained as a service association object of the user.

In step S226, the user is written into a contract sample created according to the contract template, and the contract sample is sent to the target user.

Step S228, according to the signing operation submitted by the target user, writing the target user into the contract sample, and generating the target contract signed by the user and the target user as a contract.

Step S230, performing admission processing on the target service for the user based on the admission authority obtained by the user after signing the target contract.

In the following, referring to fig. 3, the service processing method provided in this embodiment is further described by taking an application of the service processing method provided in this embodiment in a second service scenario as an example. Referring to fig. 3, the service processing method applied to the second service scenario specifically includes steps S302 to S316.

Step S302, obtaining the participation request submitted by the user with the target service admittance failure.

Step S304, based on the risk rating of the user and the service type of the target service, determining the service demand degree of the user for the target service.

Specifically, if the risk rating of the user is low and the service type of the target service is a escort-free riding type, determining that the service demand degree of the user for the target service is a second service demand degree with a common participation desire according to the risk rating and the service type of the user.

Step S306, searching and screening historical merchants meeting preset conditions in the historical merchants having the fulfillment records of the user as business association objects of the user.

And step S308, writing the historical merchant into a contract sample created according to the contract template, and sending the contract sample to the user.

Step S310, according to the signing operation submitted by the user, writing the user into a contract sample to generate a target contract which takes the user and the historical merchant as a contract signing party.

And step S312, performing admission processing of the target service on the user based on the admission authority acquired by the user after the target contract is signed.

Step S314, monitoring whether the user executes the service execution event when the performance deadline of the target contract expires.

Specifically, if yes, upgrading the credit of the user;

if not, go to step S316.

Step S316, performing degradation processing on the credit of the user and recovering the service authority obtained by the user.

In the following, referring to fig. 4, the service processing method provided in this embodiment is further described by taking an application of the service processing method provided in this embodiment in a third service scenario as an example. Referring to fig. 4, the service processing method applied to the third service scenario specifically includes steps S402 to S412.

Step S402, judging whether the user meets the admittance condition of the target service.

Specifically, if yes, go to step S404;

if not, no processing is carried out.

Step S404, acquiring the associated application submitted by the user aiming at the associated user.

Step S406, the user and the related object are used as a contract signing party to sign a second contract.

Step S408, based on the access authority obtained by the associated user after the target contract is signed, the access processing of the target service is carried out on the associated user.

Step S410, monitoring whether the user and the associated user execute the service execution event when the performance deadline expires.

Specifically, if yes, upgrading the credit of the user and the associated user;

if not, go to step S412.

Step S412, the credit of the user and the associated user is degraded, and the user right obtained by the associated user is recovered.

In summary, in the service processing method provided in this embodiment, a participation request submitted by a user whose processing result is an admission failure is obtained after service admission processing of a target service is performed, a service requirement degree of the user for the target service is further determined, a correlation mode in which the user participates in the target service by correlating other parties is recommended for the user according to different service requirement degrees, a contract is signed with a service correlation object according to the correlation mode selected by the user, and finally, service processing of participating in the target service is performed on the user based on the contract, that is, a participation right for the target service is opened to the user with a guarantee provided by other service correlation objects, so that service participation experience of the user is improved, user loss is avoided, and participation degree of the user in a credit service is improved on the premise of controlling a risk.

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

in the foregoing embodiment, a service processing method is provided, and correspondingly, a service processing apparatus is also provided, which is described below with reference to the drawings.

Referring to fig. 5, a schematic diagram of a service 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 only need to refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a service processing apparatus, including:

an obtaining module 502 configured to obtain a participation request submitted by a user with a failed target service admission;

a determining module 504, configured to determine a service demand degree of the user for the target service, and search a service association object of the user for the service demand degree;

a creation module 506 configured to create a contract sample and send it to an associated object in response to the participation request;

a generating module 508 configured to generate a target contract for the contract signing party with the business-related object and the user according to the associated action data submitted by the associated object for the contract sample;

a processing module 510 configured to perform participation processing of the user participating in the target service based on the target contract.

Optionally, the determining module 504 includes:

the information acquisition sub-module is configured to acquire a service admission rating obtained after the user performs service admission evaluation and attribute information of the target service;

and the demand degree determining sub-module is configured to determine the service demand degree of the user for the target service based on the service admission rating and the attribute information.

Optionally, the service processing apparatus further includes:

a performance monitoring module configured to monitor whether the user executes the service execution event when the performance deadline expires according to the performance deadline and the service execution event recorded in the target contract;

and if not, operating a default handling module, wherein the default handling module is configured to carry out default handling according to default terms recorded in the target contract and/or carry out business overdue handling based on a business overdue agreement of the target business.

Optionally, if the service requirement degree is a first service requirement degree or a second service requirement degree, the determining module 504 includes:

a query submodule configured to query a historical fulfillment object in which a fulfillment record of the user exists in a historical business interaction object of the user;

and the screening sub-module is configured to screen a history fulfillment object meeting preset conditions from the queried history fulfillment objects, and use the history fulfillment object as a service association object of the user for the first service requirement or the second service requirement.

Optionally, the creating module 506 includes:

a first contract sample creating sub-module configured to create a contract sample for the target business according to a contract template;

a first contract sample sending sub-module configured to send a contract sample written to the history fulfillment object to the user.

Optionally, the creating module 506 includes:

a second contract sample creating submodule configured to create a contract sample according to the contract template;

a second contract sample transmission sub-module configured to transmit a contract sample written to the history performance object to the user;

Optionally, the generating module 508 includes:

a first signing operation acquisition sub-module configured to acquire associated action data of the user on the contract sample;

and the first target contract generation submodule is configured to generate the target contract by writing the user into the contract sample based on the associated action data, and freeze the resource in the resource space of the user according to the amount of the admission mark of the target business.

Optionally, the processing module 510 includes:

an authority sharing sub-module configured to perform authority sharing processing on the service authority of the history performing object based on the target contract, so that the user can obtain the service authority of the history performing object for the target service;

and the admission sub-module is configured to perform admission processing on the target service for the user based on the service authority acquired by the user.

Optionally, the processing module 510 includes:

a first judging submodule configured to judge whether the target service is in the valid association range and whether the submission time of the participation request is in the valid period;

if yes, operating a participation processing sub-module, wherein the participation processing sub-module is configured to perform permission sharing processing on the service permission of the history fulfillment object based on the target contract so that the user can obtain the service permission of the history fulfillment object, and perform admission processing on the target service for the user based on the service permission obtained by the user;

a second judgment sub-module configured to judge whether the number of times of submission of the participation request is less than or equal to the effective number of times;

and if so, operating the participation processing submodule.

Optionally, the service processing apparatus further includes:

and the first default processing module is configured to perform degradation processing on the credit of the user, recover the service authority acquired by the user and keep the frozen state of the frozen resource of the user.

Optionally, the service processing apparatus further includes:

a prompt sending module configured to send a prompt to the user to invite a target user as the service associated object when the service requirement degree is the first service requirement degree and the user does not inquire that the user has a history performing object;

accordingly, the determining module 504 includes:

a target user determination sub-module configured to obtain, for the reminder, a target user submitted by the user;

and the associated object determination submodule is configured to take the target user as a business associated object of the user for the first business demand degree.

Optionally, the service processing apparatus further includes:

an operation detection module configured to detect an operation of the user entering a user list of the user;

an admitted user judgment module configured to judge whether the user in the user list is an admitted user of the target service;

and if so, operating an identification display module, wherein the identification display module is configured to display the access identification on the user identification of the access user.

Optionally, the creating module 506 is specifically configured to: creating a contract sample for the target business according to a contract template; sending a contract sample written to the user to the target user;

correspondingly, the processing module 510 is specifically configured to: and performing permission sharing processing on the service permission of the target user based on the target contract so that the user can obtain the service permission of the target user, and performing admission processing on the target service for the user based on the service permission obtained by the user.

Optionally, the creating module 506 is specifically configured to: creating a contract sample according to the contract template; sending a contract sample written to the user to the target user;

wherein the contract configuration of the contract sample comprises a valid association range, a valid period and/or a valid number;

correspondingly, the processing module 510 is specifically configured to:

if so, performing permission sharing processing on the service permission of the target user based on the target contract so that the user can obtain the service permission of the target user, and performing admission processing on the target service for the user based on the service permission obtained by the user;

and/or the presence of a gas in the gas,

if yes, based on the target contract, performing authority sharing processing on the service authority of the target user so that the user can obtain the service authority of the target user, and based on the service authority obtained by the user, performing admission processing on the target service for the user.

Optionally, the generating module 508 includes:

a second signing operation acquisition sub-module configured to acquire associated action data of the target user on the contract sample;

a second target contract generation submodule configured to generate the target contract by writing the target user into the contract sample based on the associated action data, and freeze resources in a resource space of the user according to an amount of a quasi-target of the target service;

correspondingly, the service processing apparatus further includes:

and the second default processing module is configured to perform degradation processing on the credit of the user and the target user, recover the service authority acquired by the user and keep the frozen state of the user frozen resources.

Optionally, the service processing apparatus further includes:

the associated application acquisition module is configured to acquire an associated application submitted by a second user for the associated user;

a second contract signing module configured to sign a second contract with the second user and the associated user as contract signing parties according to the contract sample;

and the associated permission sharing module is configured to perform permission sharing processing on the user permission of the second user based on the second contract so that the associated user obtains the user permission of the second user, or perform execution processing on a second service to which the associated application belongs.

Optionally, the service processing apparatus further includes:

an admission judgment module configured to judge whether a user satisfies an admission condition of the target service;

if yes, operating a second user determination module, wherein the second user determination module is configured to determine the user meeting the admission condition as the second user;

if not, the obtaining module 502 is operated.

Optionally, the service processing apparatus further includes:

a default monitoring module configured to monitor whether the second user and/or the associated user executes the service execution event when the fulfillment deadline expires according to the fulfillment deadline and the service execution event recorded in the second contract;

if not, operating a third default handling module, wherein the third default handling module is configured to perform default handling on the second user and/or the associated user according to the default clauses recorded in the second contract.

An embodiment of a service processing device provided in this specification is as follows:

corresponding to the service processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide a service processing device, where the service processing device is configured to execute the service processing method described above, and fig. 6 is a schematic structural diagram of a service processing device provided in one or more embodiments of the present specification.

As shown in fig. 6, the business processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where one or more stored applications or data may be stored in the memory 602. Wherein the memory 602 may be transient or persistent storage. The application program stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the target business processing device. Still further, the processor 601 may be arranged in communication with the memory 602 to execute a series of computer executable instructions in the memory 602 on the target business processing device. The target traffic processing apparatus may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input-output interfaces 605, one or more keyboards 606, etc.

In one particular embodiment, the target business 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 target business processing apparatus, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

acquiring a participation request submitted by a user with a failed target service admission;

determining the service demand degree of the user for the target service, and searching a service association object of the user for the service demand degree;

creating a contract sample and sending it to the associated object in response to the participation request;

generating a target contract by using the business association object and the user as a contract signing party according to the association action data submitted by the associated object aiming at the contract sample;

and performing participation processing of the user in the target service based on the target contract.

Optionally, the computer executable instructions, when executed, further comprise:

signing a second contract with the second user and the associated user as contract signing parties according to the contract sample;

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 processing method described above.

The present embodiment provides a storage medium for storing computer-executable instructions, which when executed implement the following processes:

generating a target contract for a contract signing party by the service associated object and the user according to the associated action data submitted by the associated object for the contract sample;

Optionally, the computer executable instructions, when executed, further implement the following process:

if not, carrying out default treatment according to default terms recorded in the target contract, and/or carrying out business overdue treatment based on a business overdue agreement of the target business.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the user resource 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 one technology could clearly distinguish 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 a 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) (e.g., a Field Programmable Gate Array (FPGA)) is an integrated circuit whose Logic functions are determined by a user programming the Device. 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 manufacturing 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, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. 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 therefore be considered as a hardware component, and the modules included therein for performing the various functions may also be considered as structures within the hardware component. Or even modules for performing various functions may be considered to be both software modules for performing the method and structures within hardware components.

The systems, 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 modules are described as being divided into various units by functions, 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 appreciate 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 so forth) 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 permanent and non-permanent, removable and non-removable media, may implement the 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 phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or apparatus comprising the element.

One or more embodiments of the specification 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.

All 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 other embodiments. In particular, the system embodiments are substantially similar to the method embodiments, so that the description is simple, and the relevant points can be referred to part of the description of the method embodiments.

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. 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 service processing method comprises the following steps:

acquiring a participation request submitted by a user with a target service access failure, and determining the service demand degree of the user for the target service;

under the condition that the service demand degree is a first service demand degree, acquiring a service associated object submitted by the user;

creating a contract sample written into the user and sending the contract sample to the business association object to respond to the participation request;

generating a target contract by using the business related object and the user as a contract signing party according to the related action data submitted by the business related object aiming at the contract sample;

2. The service processing method according to claim 1, wherein the determining the service demand of the user for the target service includes:

3. The service processing method according to claim 1, further comprising, after the step of performing participation processing of the user in the target service based on the target contract is executed:

4. The service processing method according to claim 1, further comprising, if the service requirement degree is a first service requirement degree or a second service requirement degree:

querying a historical fulfillment object which has a fulfillment record of the user and meets a preset condition in a historical service interaction object of the user as a service association object aiming at the service demand degree;

generating a target contract by using the service correlation object and the user as a contract signing party according to the correlation action data submitted by the user aiming at the contract sample;

5. The service processing method of claim 4, wherein querying a historical fulfillment object, which has a fulfillment record of the user and meets a preset condition, in the historical service interaction object of the user as a service association object for the service desirability comprises:

and screening the historical fulfillment objects meeting preset conditions from the inquired historical fulfillment objects, and using the historical fulfillment objects as the service association objects of the user aiming at the first service requirement degree or the second service requirement degree.

6. The business processing method of claim 1, said creating and sending a contract sample written to said user to said business related object, comprising:

and sending the contract sample written into the user to the business related object.

7. The business processing method of claim 1, said creating and sending a contract sample written to said customer to said business association object, comprising:

creating a contract sample according to the contract template;

sending a contract sample written into the user to the business related object;

8. The business processing method according to claim 6 or 7, wherein generating a target contract for a contract signing party with the business association object and the user according to the association action data submitted by the business association object for the contract sample comprises:

acquiring associated action data of the business associated object to the contract sample;

and generating the target contract by writing the business association object into the contract sample based on the association action data, and freezing the resources in the resource space of the user according to the amount of the quasi-target of the target business.

9. The service processing method according to claim 6, wherein said performing participation processing of the user in the target service based on the target contract comprises:

based on the target contract, performing permission sharing processing on the service permission of the service associated object so as to enable the user to obtain the service permission of the service associated object for the target service;

10. The business processing method of claim 7, wherein the performing of the participation process of the user in the target business based on the target contract comprises:

if so, performing authority sharing processing on the service authority of the service associated object based on the target contract so that the user can obtain the service authority of the service associated object, and performing admission processing on the target service for the user based on the service authority obtained by the user;

and/or the presence of a gas in the gas,

if so, performing permission sharing processing on the service permission of the service associated object based on the target contract so that the user can obtain the service permission of the service associated object, and performing admission processing on the target service for the user based on the service permission obtained by the user.

11. The service processing method according to claim 9 or 10, further comprising, after the execution of the participation processing step of the user in the target service based on the target contract:

if not, performing degradation processing on the credit of the user, recovering the service authority acquired by the user, and/or keeping the frozen state of the user frozen resources.

12. The service processing method according to claim 1, wherein the obtaining of the service-related object submitted by the user when the service desirability is the first service desirability comprises:

sending a prompt for inviting a target user as the business association object to the user when the business requirement degree is a first business requirement degree and the user does not inquire that the user has a history fulfillment object;

acquiring a target user submitted by the user aiming at the prompt;

and taking the target user as a service association object of the user aiming at the first service demand degree.

13. The traffic processing method according to claim 12, further comprising:

detecting an operation of the user entering a user list of the user;

14. The business processing method of claim 12, wherein the performing participation processing of the user in the target business based on the target contract comprises:

and performing permission sharing processing on the service permission of the target user based on the target contract so that the user can obtain the service permission of the target user, and performing admission processing on the target service for the user based on the service permission obtained by the user.

15. A transaction processing method according to claim 12, wherein the contract configuration of the contract sample includes a valid association range, a valid period and/or a valid number;

correspondingly, the participating process of the user participating in the target service based on the target contract comprises the following steps:

if yes, performing authority sharing processing on the service authority of the target user based on the target contract so that the user can obtain the service authority of the target user, and performing admission processing on the target service for the user based on the service authority obtained by the user;

and/or the presence of a gas in the atmosphere,

16. A business processing method according to claim 14 or 15, said generating a target contract for a contract signing party with said business association object and said user based on associated action data submitted by said user for said contract sample, comprising:

acquiring associated action data of the target user on the contract sample;

correspondingly, after the step of performing participation processing of the user in the target service based on the target contract is executed, the method further includes:

monitoring whether the user executes the service execution event when the performance term expires according to the performance term and the service execution event included in the target contract;

if not, performing degradation processing on the credit of the user and the target user, recovering the service authority acquired by the user, and/or keeping the frozen state of the user frozen resources.

17. A service processing method and device comprises the following steps:

the acquisition module is configured to acquire a participation request submitted by a user with a target service admission failure and determine a service demand degree of the user for the target service;

the associated object determining module is configured to acquire a service associated object submitted by the user under the condition that the service requirement degree is a first service requirement degree;

a creating module configured to create a contract sample written to the user and send the contract sample to the business association object in response to the participation request;

the generation module is configured to generate a target contract for a contract signing party by the business related object and the user according to the related action data submitted by the business related object for the contract sample;

and the processing module is configured to perform participation processing of the user in the target service based on the target contract.

18. A service processing method device comprises the following steps:

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:

19. A storage medium storing computer-executable instructions that when executed perform the following: