CN116452294A

CN116452294A - Service processing method, device and system

Info

Publication number: CN116452294A
Application number: CN202310418570.1A
Authority: CN
Inventors: 吴超; 贺武杰; 岑文峰
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2018-07-27
Filing date: 2018-07-27
Publication date: 2023-07-18
Also published as: CN109064282B; CN109064282A

Abstract

The embodiment of the specification provides a service processing method, device and system, wherein the method comprises the following steps: responding to a request for credit evaluation of a target user, and evaluating whether credit information of the target user meets a set credit constraint condition; the evaluation result is fed back to the first service processing node, so that the first service processing node determines whether to provide the target service for the target user according to the evaluation result; the first service processing node provides a target service for the target user when the evaluation result shows that the credit information of the target user meets the set credit constraint condition; if the first service processing node is determined to provide the target service for the target user, sending an application request to the second service processing node, applying for the event of providing the target service for the target user by the first service processing node, acquiring behavior information of the target user about the target service from the first service processing node, and managing credit information of the target user according to the behavior information.

Description

Service processing method, device and system

The application is a division application with the invention creation name of [ business processing method, device and system ] of China patent application No. 201810844264.3 submitted on the 7 th month and 27 th days of 2018.

Technical Field

The present disclosure relates to the field of internet technologies, and in particular, to a service processing method, device, and system.

Background

With the rapid development of society, competition among various industries is more and more vigorous. Some platforms or merchants provide users with certain specific services related to the service, such as a service escort service, when the service is provided to the users, in order to better serve the users and improve the use experience of the users.

Generally, after receiving a service request of a user for a specific service, a merchant or a platform needs to determine whether the user meets a condition of enjoying the specific service according to certain behavior information of the user, such as credit information, in order to ensure benefits of the merchant or the platform as much as possible.

Therefore, how to manage the behavior information of the user and reasonably process the specific service of the user in combination with the behavior information of the user are technical problems that need to be solved currently.

Disclosure of Invention

The embodiment of the specification aims to provide a service processing method, device and system, wherein a first service processing node only provides a target service for a target user when credit information of the user meets a set credit constraint condition by evaluating the credit of the target user; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

In order to solve the above technical problems, the embodiments of the present specification are implemented as follows:

the embodiment of the specification provides a service processing method, which comprises the following steps:

responding to a request for credit evaluation of a target user, and evaluating whether credit information of the target user meets a set credit constraint condition;

feeding back the evaluation result to a first service processing node, so that the first service processing node determines whether to provide a target service to the target user according to the evaluation result; the first service processing node provides the target service for the target user when the evaluation result shows that the credit information of the target user meets the set credit constraint condition;

if the first service processing node is determined to provide the target service for the target user, sending an application request to a second service processing node, acquiring behavior information of the target user about the target service from the first service processing node, and managing credit information of the target user according to the behavior information; the application request carries first service processing node information and target service information, so that the second service processing node executes application operation on an event of providing the target service to the target user by the first service processing node.

The embodiment of the specification also provides a service processing device, which comprises:

the evaluation module is used for responding to a request for evaluating the credit of the target user and evaluating whether the credit information of the target user meets the set credit constraint condition;

the feedback module is used for feeding back the evaluation result to the first service processing node so that the first service processing node can determine whether to provide the target service for the target user according to the evaluation result; the first service processing node provides the target service for the target user when the evaluation result shows that the credit information of the target user meets the set credit constraint condition;

the sending module is used for sending an application request to a second service processing node if the first service processing node is determined to provide the target service for the target user; the application request carries first service processing node information and target service information, so that the second service processing node executes application operation on an event of providing the target service to the target user by the first service processing node;

the acquisition module acquires behavior information of the target user about the target service from the first service processing node;

And the management module is used for managing the credit information of the target user according to the behavior information.

The embodiment of the specification also provides a service processing system, which comprises: the credit management node, the first service processing node and the second service processing node;

the first service processing node is used for responding to a target service request triggered by a target user and sending a request for carrying out credit evaluation on the target user to the credit management node; and the system is also used for judging whether to provide the target service for the target user according to the evaluation result fed back by the credit management node; if the evaluation result shows that the credit information of the target user meets the set credit constraint condition, providing the target service for the target user;

the credit management node is used for evaluating whether the credit information of the target user meets the set credit constraint conditions and feeding back an evaluation result to the first service processing node; the system is further used for sending an application request to a second service processing node if the first service processing node is determined to provide the target service for the target user, acquiring behavior information of the target user about the target service from the first service processing node, and managing credit information of the target user according to the behavior information; the application request carries first service processing node information and target service information;

And the second service processing node is used for executing the insuring operation on the event of providing the target service to the target user by the first service processing node according to the first service processing node information and the target service information.

a processor; and

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

The present description also provides a storage medium for storing computer-executable instructions that, when executed, implement the following:

According to the technical scheme, by evaluating the credit of the target user, the first service processing node provides the target service for the target user when the credit information of the user meets the set credit constraint condition; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

Drawings

In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.

Fig. 1 is one of the flow charts of the service processing method provided in the embodiments of the present disclosure;

fig. 2 is a schematic data flow diagram between a first service processing node and a credit management node in the service processing method according to the embodiment of the present disclosure;

FIG. 3 is a second flowchart of a business processing method according to an embodiment of the present disclosure;

FIG. 4 is a third flowchart of a method for processing services according to the embodiment of the present disclosure;

FIG. 5 is a flowchart of a method for providing a business processing method according to an embodiment of the present disclosure;

fig. 6 is a schematic diagram of module composition of a service processing device according to an embodiment of the present disclosure;

fig. 7 is a schematic structural diagram of a service processing system according to an embodiment of the present disclosure;

Fig. 8 is a flow chart of a service processing method applied to a service processing system according to an embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of a service processing device according to an embodiment of the present disclosure.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

The embodiment of the specification provides a service processing method, a device and a system, which are used for determining whether to provide a target service for a target user according to credit information of the target user, acquiring behavior information of the target user about the target service after the target service is finished, and applying the behavior information to the credit information management of the target user. The correlation between the behavior information of the target user and the credit information of the target user is realized, namely, each time of behavior information of the target user can influence whether the target user can enjoy the target service or not, so that the credit information of the target user can be evaluated more comprehensively, the constraint on the target user is realized, and the processing of the target service is more reasonable.

The target service mentioned in the embodiment of the present specification may be an article leasing escort service, an article sharing escort service, a hotel check-in escort service, or the like.

Fig. 1 is a flowchart of a first method of a service processing method according to an embodiment of the present disclosure, where the method shown in fig. 1 at least includes the following steps:

step 102, in response to the request for credit evaluation of the target user, evaluating whether the credit information of the target user meets the set credit constraint condition.

The method provided in the embodiment of the present disclosure may be applied to a credit management node, that is, the execution entity may be a credit management node, and the credit management node may be a credit management server, a credit management open service platform, or the like. The request for credit assessment of the target user is sent by a first service processing node, which may be a first service processing server, a first service processing service platform, etc. Of course, the illustration is only exemplary and does not constitute a limitation of the credit management node and the first service processing node.

In a specific embodiment, a user may select a target service through a service client, that is, send a service request of the target service to a first service processing node through the service client, and when the first service processing node receives the service request, send a request for credit evaluation of the target user to a credit management node, so that the credit management node evaluates the credit of the target user to determine whether the target user has permission to enjoy the target service.

In another embodiment, the user may select the target service through the credit management client, that is, send a service request of the target service to the first service processing node through the credit management client, and after the first service processing node receives the service request, send a request for credit evaluation of the target user to the credit management node, so that the credit management node evaluates the credit of the target user to determine whether the target user has permission to enjoy the target service.

Two specific embodiments of triggering the target service by the target user are only listed herein, specifically, the user may trigger the target service by other modes, and the embodiment of the present disclosure does not limit the specific mode of triggering the target service by the user.

For ease of understanding, the following examples are presented.

For example, the user borrows the treasured that charges through the treasured that pays, and the user can get into the treasured that charges and lease the page from the treasured client that pays to select the service that the treasured that charges that exempts from to deposit lease, is equivalent to sending the service request that the treasured that charges that exempts from to deposit lease node to charge. When the charging treasured renting node receives the deposit-free renting service triggered by the user, a request for credit evaluation of the user is sent to the payment treasured, and after the payment treasured receives the request, the credit evaluation module evaluates whether the credit information of the user reaches the credit constraint condition corresponding to the deposit-free renting service.

Specifically, in the step 102, it is evaluated whether the credit information of the target user meets the set credit constraint condition, and the method at least includes the following step one and step two;

step one, judging whether the credit score of a target user reaches a set credit score threshold value;

and step two, evaluating whether the conservation record of the target user reaches the set rule according to the historical behavior information of the target user.

The first step and the second step may be performed simultaneously, or may have a sequence.

Preferably, in the implementation, the step of performing the second step may be performed first and then performed again. Firstly judging whether the credit score of the target user reaches a set credit score threshold value, and if the credit score of the target user reaches the set credit score threshold value, further evaluating whether the daemon of the target user reaches a set rule; if the target user's conservation record is determined to reach the set rule, the credit information of the target user is determined to meet the set credit constraint condition. If it is determined in the step one that the credit score of the target user does not reach the set credit score threshold, it may be directly determined that the credit information of the target user does not meet the set credit constraint condition, and the step two is not required to be executed.

In the embodiment of the present disclosure, by executing the step first and then executing the step second, if it is determined in the step first that the credit score of the target user does not reach the set credit score threshold, it may be directly determined that the target user does not meet the set credit contract condition, that is, execution of some unnecessary steps may be reduced, thereby reducing workload of the credit management node.

It should be noted that, in the second step, the historical behavior information of the target user may be related information about whether the target user is in a conservation in each service.

In addition, according to the historical behavior information of the target user, whether the conservation record of the target user reaches the set rule is evaluated, and whether the number of times of the conservation record of the target user in the set time length reaches the set number of times can be detected; alternatively, it may be detected whether the ratio of the number of times the target user has contracted the record to the number of times of transaction in a set time period reaches a set threshold.

Because the credit constraint conditions may be different for different target services, in the implementation, in step 102, the request for credit evaluation of the target user sent by the first service processing node further carries the target service requested by the target user. Correspondingly, the evaluation of whether the credit of the target user meets the set credit constraint condition may be to obtain the set credit constraint condition corresponding to the target service, and evaluate whether the credit of the target user meets the set credit constraint condition corresponding to the target service.

104, feeding back the evaluation result to the first service processing node so that the first service processing node determines whether to provide the target service for the target user according to the evaluation result; and the first service processing node provides the target service for the target user when the evaluation result shows that the credit information of the target user meets the set credit constraint condition.

In this embodiment of the present disclosure, the evaluation node that the credit management node feeds back to the first service processing node may satisfy the set credit constraint condition for the credit information of the target user, or may not satisfy the set credit constraint condition for the credit information of the target user.

If the evaluation result is that the credit information of the target user meets the set credit constraint condition, the first service processing node provides the target service for the target user; if the evaluation result is that the credit information of the target user does not meet the set credit constraint condition, the first service processing node does not provide the target service for the target user.

In this embodiment of the present disclosure, when the first service processing node determines to provide the target service to the target user, in order to facilitate the credit management node to manage the credit information of the target user, it is further required to send notification information that the target service has been provided to the target user to the credit management node, and after the credit management node receives the notification information, record the behavior of the first service processing node providing the target service to the target user.

Step 106, if the first service processing node is determined to provide the target service for the target user, sending an application request to the second service processing node, acquiring behavior information of the target user about the target service from the first service processing node, and managing credit information of the target user according to the behavior information; the application request carries information of a first service processing node and information of a target service, so that a second service processing node executes application operation on an event that the first service processing node provides the target service for a target user.

In the embodiment of the specification, the application request is sent to the second service processing node, so that the second service processing node executes the application operation on the event that the first service processing node provides the target service for the target user, the benefit of the merchant can be ensured, and the loss caused by the non-trusted behavior of the target user to the merchant is avoided.

In this embodiment of the present disclosure, if the first service processing node provides the target service to the target user, when the target service ends, in order to use the behavior information of the target user about the target service in the association of the credit information of the target user, the credit management node needs to obtain the behavior information of the target user about the target service from the first service processing node.

The credit management node obtains behavior information of a target user about a target service from the first service processing node, wherein the behavior information at least comprises the following two cases:

in the first case, after the target service is finished, the first service processing node actively transmits the behavior information of the target user about the target service to the credit management node, and the credit management node receives the behavior information of the target user about the target service, which is transmitted by the first service processing node.

And in the second case, after acquiring the prompt information of ending the target service, the credit management node sends an acquisition request of the behavior information of the target user about the target service to the first service processing node so as to acquire the behavior information of the target user about the target service.

In this embodiment of the present disclosure, sending an insurance request to the second service processing node is essentially purchasing insurance for the operation of the first service processing node providing the target service to the target user. Thus, if the target service is not paid by the target user according to the contract when the target service is finished, the credit management node can trigger the second service processing node to provide compensation for the merchant corresponding to the first service processing node.

Thus, in the illustrated embodiment, after obtaining the behavior information of the target user about the target service from the first service processing node, the method further includes:

and if the behavior information indicates that the target user does not pay the target service according to the agreement, triggering the second service processing node to execute the claim settlement operation on the event of providing the target service for the target user by the first service processing node.

Specifically, after the credit management node obtains the behavior information of the target user about the target service, determining whether the target user pays the target service according to the agreement according to the behavior information, if the target user is determined not to pay the target service according to the agreement, sending a claim settlement request to the second service processing node to trigger the second service node to execute the claim settlement operation to the merchant corresponding to the first service node.

In addition, in the embodiment of the present specification, after the second service processing node makes the compensation to the merchant, the second service processing node has the right to initiate the operation of pursuing the compensation amount to the target user.

Specifically, in the step 106, the credit information of the target user is managed according to the behavior information, and at least the following processes are included: if the behavior information indicates that the target user pays the target service according to the agreement, the credit information of the target user is updated forward; and if the behavior information indicates that the target user does not pay the target service according to the agreement, the credit information of the target user is negatively updated.

Generally, the behavior information of the target user for the target service at least includes: whether the target user pays for the target service according to the agreement.

Wherein, the forward updating of the credit information of the target user may include:

recording the information of the conservation behavior of the target user, and increasing the credit score of the target user; the method comprises the steps of,

and when the target user's conservation behavior information and credit score are required to be set, adjusting the credit rating of the target user.

In a specific implementation, the target user may mark the target user's conservation behavior in the service record of the target service performed by the target user, and the credit score of the target user is increased by a corresponding score according to the target user's conservation behavior.

If the current credit score of the user reaches the set score and the user conservation behavior record reaches the set times or the proportion reaches the set proportion, the credit grade of the target user is improved, and therefore the target user can enjoy more services.

In addition, in the embodiment of the present disclosure, in order to further implement constraint behavior of the target user, if the behavior information indicates that the target user does not pay for the target service according to the contract, the method provided in the embodiment of the present disclosure further includes:

And releasing the information that the target user does not pay the target service according to the agreement.

The information that the target user does not pay the target service according to the agreement may be that the target user issues the non-trusted behavior of the target user on the platform corresponding to the credit management node, that is, the target user pays the target service according to the agreement. Thus, after the credit management node issues the information, other users can check the non-trusted behavior of the target user at the credit management client or the client corresponding to other nodes associated with the credit management node.

Fig. 2 is a schematic diagram of a data flow between a credit management node and a first service processing node in the service processing method provided in the embodiment of the present disclosure, where in the flow shown in fig. 2, after the credit management node receives a request for performing credit evaluation on a target user by the first service processing node, it is evaluated whether the credit information of the target user meets a set credit constraint condition according to the credit information of the target user, and the evaluation result is fed back to the first service processing node. And the first service processing node determines whether to provide the target service for the target user according to the evaluation result of credit evaluation on the target user, which is fed back by the credit management node.

If the evaluation result indicates that the credit information of the target user meets the set credit constraint condition, the first service processing node provides the target service for the target user, and returns the behavior information (mainly including whether the target service is paid according to a contract or not) of the target user about the target service to the credit management node when the target service is ended, and the credit management node updates the credit information of the target user according to the received behavior information. And after receiving the request for credit evaluation of the target user sent by the first service processing node next time, evaluating whether the updated credit information of the target user meets the set credit constraint condition.

As can be seen from the above description and the flowchart shown in fig. 2, according to the method provided in the embodiment of the present disclosure, the data between the first service processing node and the credit management node form a closed loop, that is, the credit information of the target user can be updated according to the behavior information of the target user about the target service provided by the first service processing node, and the credit of the target user is evaluated according to the updated credit information, and the evaluation result is further used to instruct the first service processing node to determine whether to provide the target service for the target user, so that the behavior information can be continuously transmitted to the credit management node in this loop, so that the behavior information of each time of the user can influence the subsequent credit evaluation, thereby influencing whether the target service can be enjoyed subsequently. So that credit assessment for the target user is more reliable.

Fig. 3 is a flowchart of a second method of the service processing method provided in the embodiment of the present disclosure, where the method shown in fig. 3 at least includes the following steps:

in step 302, a first service processing node receives a target service request triggered by a target user.

The target business can be the business of escort renting goods, escort sharing goods, escort check-in hotels and the like.

In step 304, the first service processing node sends a request for credit assessment of the target user to the credit management node.

The credit management node may be sesame credit or the like.

In step 306, the credit management node evaluates whether the credit information of the target user meets the set credit constraint.

The credit information of the target user may include credit score of the target user, and a record of the target user's conservation behavior.

In step 308, the credit management node feeds back an evaluation result of the credit evaluation of the target user to the first service processing node.

The evaluation result may be that the credit information of the target user satisfies the set credit constraint condition or the credit information of the target user does not satisfy the set credit constraint condition.

Step 310, the first service processing node judges whether the above-mentioned evaluation result is that the credit information of the target user meets the set credit evaluation condition; if yes, go to step 312.

At step 312, the first service processing node provides the target service to the target user.

In step 314, the first service processing node sends notification information to the credit management node, the notification information being used to notify that the target service has been provided to the target user.

In step 316, the credit management node records the behavior of the first service processing node in providing the target service to the target user and sends an application request to the second service processing node.

The application request is to apply for the event of providing the target service for the target user by the first service processing node.

At step 318, when the target service ends, the first service processing node sends behavior information of the target user about the target service to the credit management node.

The behavior information at least comprises whether the target user pays for the target service according to the contract, namely whether the target user performs the contract.

Step 320, if the behavior information indicates that the target user pays for the target service according to the contract, the credit management node updates the credit information of the target user forward; and if the behavior information indicates that the target user does not pay the target service according to the agreement, the credit management node triggers the second service processing node to execute the claim settlement operation, and the credit information of the target user is negatively updated.

Fig. 4 is a flowchart of a third method of the service processing method provided in the embodiment of the present disclosure, and fig. 4 is a flowchart of a third method of the service processing method provided in the embodiment of the present disclosure, where a "a user rents a charging bank without deposit through a credit management platform" is taken as an example. The credit management platform is provided with a page for the escort lease of the charge pal, and the user can select the escort lease of the charge pal on the credit page, so as to trigger the charge pal lease page to send a request for the escort lease of the charge pal.

The method shown in fig. 4 at least comprises the following steps:

step 402, the charging treasured leasing node receives a request sent by a user to lease the charging treasures without deposit.

In step 402, the user may select a escort to rent the charger baby from the credit management client, or may select a escort to rent the charger baby from the charger baby renting client.

Step 404, the charger lease node sends a request for credit evaluation of the user to the credit management node.

The request carries the user identification and the payment information that the user needs to free deposit lease.

In step 406, the credit management node evaluates whether the credit information of the user satisfies the credit constraint condition corresponding to the leasing of the treasured charger.

In step 408, the credit management node feeds back the credit evaluation result to the charger baby lease node.

Step 410, if the evaluation result indicates that the credit information of the user meets the credit constraint condition corresponding to leasing the charger baby, the charger baby leasing node provides the service of leasing the charger baby to the user.

Step 412, the treasured charge leasing node sends notification information to the credit management node informing that the treasured charge leasing service has been provided to the user.

In step 414, the credit management node records the event that the user leases the charger baby with the deposit, and sends an application request to the insurance service node.

The application request is a request for applying to the charging treasury leasing node to lease the charging treasury to the user escort.

Step 416, the treasured leasing node feeds back the behavior information of the user about leasing the treasured to the credit management node.

The behavior information may include whether the user returns the charge pal according to a contract, whether the user pays a fee for renting the charge pal according to a contract, and the like.

In step 418, the credit management node updates the credit information of the user according to the behavior information.

Specifically, in 418, if the behavior information indicates that the user does not perform the performance, the insurance service node is triggered to perform the claim settlement operation, and the credit information of the user is updated negatively, and if the behavior information indicates that the user performs the performance normally, the credit information of the user is updated positively.

The embodiment shown in fig. 4 is an exemplary illustration, and is not intended to limit the embodiments of the present disclosure. In addition, the specific implementation process of each step in the embodiment corresponding to fig. 4 is the same as that of the embodiment corresponding to fig. 1 to 3, so the specific implementation process of each step may refer to the embodiment corresponding to fig. 1 to 3, and will not be repeated here.

In the embodiment corresponding to fig. 4, the user does not need to pay deposit when renting the charger baby, so that the operation of renting the charger baby by the user is simple and convenient, and the user experience is higher; the credit management node can update the credit information of the user according to the action of the user for renting the treasured charger, and the updated credit information is used for carrying out credit assessment on the user when the user requests the service next time, namely, the action information of the user in each renting service can also influence whether the user can enjoy the service next time or not, so that the credit information management of the user is more reasonable; in addition, the event that the charging treasures are rented by providing escort for the user is covered for the charging treasures renting node, so that even if the situation that the user does not fulfill the contract occurs, the benefit of the charging treasures renting merchant can be guaranteed.

Fig. 5 shows a fourth method flowchart of the service processing method provided in the embodiment of the present specification, and the embodiment shown in fig. 5 uses "the user's deposit-free hotel service" as an example, and describes the service processing method provided in the embodiment of the present specification. The method shown in fig. 5 at least comprises the following steps:

step 502, a hotel management node receives a user-triggered request to check in a hotel with a deposit-free.

The request of the escort to check in the hotel can be triggered by a user on a hotel management client or on a hotel management page on a credit management client.

Step 504, the hotel management node sends a request for credit assessment of the user to the credit management node.

The request carries information such as user identification, hotel identification, price of the room ordered by the user and the like.

In step 506, the credit management node evaluates whether the credit information of the user meets the credit constraint condition corresponding to deposit-free check-in.

In step 508, the credit management node feeds back the credit evaluation result to the hotel management node.

If the evaluation result is that the credit information of the user meets the credit constraint condition corresponding to the deposit-free check-in, the hotel management node provides the deposit-free check-in service for the user, step 510.

In step 512, the hotel management node sends a notification message to the credit management node informing that the deposit-free check-in service has been provided to the user.

In step 514, the credit management node records the event of the user deposit-free check-in and sends an insurance request to the insurance service node.

Wherein, the request for insuring is a request for insuring that the hotel management node provides deposit-free check-in to the user.

Step 516, the hotel management node feeds back the user's behavior information about the escort to the credit management node when the user leaves the store.

Wherein, the behavior information includes whether the user pays accommodation fees, article use fees, article damage fees, etc. according to the contract.

In step 518, the credit management node updates the credit information of the user according to the behavior information.

In step 518, if the behavior information indicates that the user does not pay the related fee according to the contract, triggering the insurance service node to trigger the claim settlement operation, and negatively updating the credit information of the user; if yes, the behavior information indicates the user to pay the related fees according to the contract, and the credit information of the user is updated positively.

The embodiment shown in fig. 5 is an exemplary illustration, and is not intended to limit the embodiments of the present disclosure. In addition, the implementation process of each step in the embodiment corresponding to fig. 5 is the same as that of the embodiment corresponding to fig. 1 to 3, so the implementation process of each step in the embodiment corresponding to fig. 5 can refer to the embodiment corresponding to fig. 1 to 3, and will not be repeated here.

In addition, in the embodiment corresponding to fig. 5, the user does not need to provide deposit when checking in to the hotel, so that the flow of checking in to the hotel by the user is simple and convenient, and the user experience is higher; in addition, a data closed loop is formed between the hotel management node and the credit management node, so that the credit information of the user can be updated according to the behavior information of the user fed back by the hotel management node, and the management of the user information is more reasonable; in addition, deposit-free check-in is provided for the user for the hotel management node to make an application, so that even if the user does not pay the relevant fees according to the contract, the hotel benefit can be ensured.

According to the service processing method provided by the embodiment of the specification, by evaluating the credit of the target user, when the credit information of the user meets the set credit constraint condition, the first service processing node provides the target service for the target user; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

The embodiment of the present disclosure further provides a schematic block diagram of a service processing device, based on the same concept, corresponding to the methods shown in fig. 1 to 5, and the schematic block diagram is applied to a credit management node for executing the methods corresponding to fig. 1 to 5. Fig. 6 is a schematic block diagram of a service processing apparatus according to an embodiment of the present disclosure, where the apparatus shown in fig. 6 includes:

an evaluation module 601, configured to evaluate, in response to a request for credit evaluation of a target user, whether credit information of the target user meets a set credit constraint condition;

a feedback module 602, configured to feed back an evaluation result to a first service processing node, so that the first service processing node determines whether to provide a target service to the target user according to the evaluation result; wherein the first service processing node provides the target service to the target user when the evaluation result indicates that the credit information of the target user meets the set credit constraint condition;

a sending module 603, configured to send an application request to a second service processing node if it is determined that the first service processing node provides the target service to the target user; the application request carries first service processing node information and target service information, so that the second service processing node executes application operation on an event of providing target service to a target user by the first service processing node;

An obtaining module 604, configured to obtain, from the first service processing node, behavior information of the target user about the target service;

and a management module 605 for managing the credit information of the target user according to the behavior information.

Optionally, an apparatus provided in an embodiment of the present disclosure further includes:

and the triggering module is used for triggering the second service processing node to execute a claim settlement operation on the event of providing the target service for the target user by the first service processing node if the behavior information indicates that the target user does not pay the target service according to the contract.

Optionally, the management module 605 includes:

the first updating unit is used for updating the credit information of the target user in the forward direction if the behavior information indicates that the target user pays the target service according to the contract;

and the second updating unit is used for negatively updating the credit information of the target user if the behavior information indicates that the target user does not pay the target service according to the contract.

Optionally, the first updating unit is specifically configured to:

recording the conservation behavior information of the target user, and increasing the credit score of the target user; and adjusting the credit rating of the target user when the target user's conservation behavior information and the credit score meet a set requirement.

and the release module is used for releasing the information that the target user does not pay the target service according to the agreement.

Optionally, the evaluation module 601 includes:

a judging unit, configured to judge whether the credit score of the target user reaches a set credit score threshold;

and the evaluation unit is used for evaluating whether the conservation record of the target user reaches the set rule according to the historical behavior information of the target user.

The specific implementation process of the functions corresponding to each module and unit in the service processing apparatus provided in the embodiments of the present disclosure is the same as the specific implementation process of each step in fig. 1 to 5, so the specific implementation process of the functions corresponding to each module and unit may refer to the embodiments corresponding to fig. 1 to 5, and will not be repeated herein.

According to the service processing device provided by the embodiment of the specification, by evaluating the credit of the target user, when the credit information of the user meets the set credit constraint condition, the first service processing node provides the target service for the target user; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association between the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, applying for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss of the merchant due to unfulfilled contract of the target user.

Corresponding to the embodiments shown in fig. 1 to 5, the embodiments of the present disclosure further provide a service processing system based on the same concept. Fig. 7 is a schematic structural diagram of a service system provided in an embodiment of the present disclosure, where the system shown in fig. 7 includes: a credit management node 701, a first service processing node 702 and a second service processing node 703;

the first service processing node 702 is configured to send, to a credit management node, a request for performing credit evaluation on a target user in response to a target service request triggered by the target user; and the system is also used for judging whether to provide the target service for the target user according to the evaluation result fed back by the credit management node; if the evaluation result shows that the credit information of the target user meets the set credit constraint condition, providing a target service for the target user;

the credit management node 701 is configured to evaluate whether credit information of a target user meets a set credit constraint condition, and feed back an evaluation result to the first service processing node 702; the method is further used for sending an application request to the second service processing node 703 if the first service processing node 702 determines that the target service is provided for the target user, acquiring behavior information of the target user about the target service from the first service processing node 702, and managing credit information of the target user according to the behavior information; wherein, the request carries the first service processing node information and the target service information;

The second service processing node 703 is configured to perform an application operation on an event that the first service processing node 702 provides the target service to the target user according to the first service processing node information and the target service information.

Optionally, the credit management node 701 is further specifically configured to:

if the behavior information indicates that the target user pays the target service according to the agreement, the credit information of the target user is updated forward; and if the behavior information indicates that the target user does not pay the target service according to the agreement, the credit information of the target user is negatively updated.

recording the information of the conservation behavior of the target user, and increasing the credit score of the target user; and adjusting the credit rating of the target user when the target user's conservation behavior information and the credit score meet the set requirements.

judging whether the credit score of the target user reaches a set credit score threshold value or not; and evaluating whether the conservation record of the target user reaches the set rule according to the historical behavior information of the target user.

It should be noted that, in the embodiment of the present disclosure, the credit management node, the first service processing node, and the second service processing node may be understood as service roles in the whole service processing procedure. Specifically, the credit management node may be a credit management server, a credit management service platform, etc., the first service processing node may be a first service processing server, a first service processing service platform, etc., and the second service processing node may be a second service processing server, a second service processing platform, etc. Of course, the illustrations herein are merely exemplary and do not constitute a limitation on credit management nodes, first service processing nodes, and second service processing nodes.

In a specific embodiment, the first service processing node 702 may be a merchant node, that is, a server corresponding to a client used by a merchant, and the second service processing node 703 may be an insurance agency node, that is, a server corresponding to an insurance agency client. Therefore, for this situation, the flow interaction chart of the service processing method provided in the embodiment of the present disclosure is shown in fig. 8, and the flow shown in fig. 8 at least includes the following steps:

Step 802, a user sends a service request to a merchant node through a client.

The user can select the target service on the client corresponding to the merchant, or select the target service on the credit management client.

The target business can be a deposit-free check-in hotel business, a deposit-free lease article business or a deposit-free sharing article business, etc.

Step 804, the merchant node requests credit assessment from the credit management node for the user.

At step 806, the credit management node performs credit assessment on the user.

In step 806, the credit management node evaluates whether the credit information of the user meets the set credit constraint condition corresponding to the target service.

In step 808, the credit management node feeds back the evaluation result feedback to the merchant node.

Specifically, the evaluation result may satisfy the set credit constraint condition corresponding to the target service for the credit information of the user; or the credit information of the user does not meet the set credit constraint condition corresponding to the target service.

And step 810, if the evaluation result shows that the credit information of the user meets the set credit constraint condition corresponding to the target service, the merchant node determines to provide the target service for the user.

Specifically, a prompt message can be sent out at a merchant client, and the prompt can provide a target service for a target user; or, the target service application success can be directly prompted at the merchant client. Of course, the user may be prompted in other forms to which the targeted service may be provided.

At step 812, the merchant node prompts the credit management node that the targeted service has been provided to the user.

At step 814, the credit management node records the event that provides the targeted service to the user.

In step 816, the credit management node sends an application request to the insurance agency node.

In step 816, the credit management node sends an application request to the insurance entity for the purpose of providing the merchant node with the targeted business purchase insurance to the user.

At the end of the service, the merchant node feeds back to the credit management node the user's performance information for the target business, step 818.

If the user fulfills the contract, the credit management node is updating the user's credit information, step 820.

If the user does not fulfill the contract, the credit management node negatively updates the user's credit information and also triggers the insurance agency node to perform a claims operation for the merchant, step 822.

In the service processing system provided in the embodiment of the present disclosure, the specific implementation process of the function corresponding to each node may refer to the specific implementation process of the corresponding step in the embodiment corresponding to fig. 1 to 5, which is not described herein again.

According to the service processing system provided by the embodiment of the specification, the credit of the target user is evaluated, and when the credit information of the user meets the set credit constraint condition, the first service processing node provides the target service for the target user; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

Further, based on the methods shown in fig. 1 to 5, the embodiment of the present disclosure further provides a service processing device, as shown in fig. 9.

The service processing device may be configured or configured differently to produce a relatively large variance, and may include one or more processors 901 and a memory 902, where the memory 902 may store one or more storage applications or data. Wherein the memory 902 may be transient storage or persistent storage. The application programs stored in the memory 902 may include one or more modules (not shown in the figures), each of which may include a series of computer executable instructions for use in a business processing device. Still further, the processor 901 may be provided in communication with a memory 902 for executing a series of computer executable instructions in the memory 902 on a business processing device. The traffic handling device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input output interfaces 905, one or more keyboards 906, and the like.

In a particular embodiment, a business processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the business processing device, and configured to be executed by one or more processors, the one or more programs comprising computer executable instructions for:

Responding to a request for credit evaluation of a target user, and evaluating whether the credit information of the target user meets a set credit constraint condition;

feeding back the evaluation result to a first service processing node, so that the first service processing node determines whether to provide a target service to the target user according to the evaluation result; wherein the first service processing node provides the target service to the target user when the evaluation result indicates that the credit information of the target user meets the set credit constraint condition;

if the first service processing node is determined to provide the target service for the target user, sending an application request to a second service processing node, acquiring behavior information of the target user about the target service from the first service processing node, and managing credit information of the target user according to the behavior information; the application request carries information of a first service processing node and information of a target service, so that a second service processing node executes application operation on an event that the first service processing node provides the target service for a target user.

Optionally, the computer executable instructions, when executed, may further perform the following steps after obtaining, from the first service processing node, behavior information of the target user with respect to the target service:

Optionally, when executed, the computer executable instructions manage the credit information of the target user according to the behavior information, including:

if the behavior information indicates that the target user pays the target service according to the agreement, the credit information of the target user is updated in the forward direction;

and if the behavior information indicates that the target user does not pay the target service according to the agreement, negatively updating the credit information of the target user.

Optionally, the step of forward updating the credit information of the target user when the computer executable instructions are executed includes:

recording the conservation behavior information of the target user, and increasing the credit score of the target user; the method comprises the steps of,

And adjusting the credit rating of the target user when the target user's conservation behavior information and the credit score meet the set requirements.

Optionally, when the computer executable instructions are processed, if the behavior information indicates that the target user does not pay for the target service according to a contract, the step of managing credit information of the target user according to the behavior information further includes:

Optionally, the step of evaluating whether the credit information of the target user satisfies a set credit constraint when the computer executable instructions are processed includes:

judging whether the credit score of the target user reaches a set credit score threshold value or not; the method comprises the steps of,

and evaluating whether the conservation record of the target user reaches a set rule according to the historical behavior information of the target user.

The service processing device provided in the embodiment of the present disclosure evaluates the credit of the target user, and when the credit information of the user meets the set credit constraint condition, the first service processing node provides the target service to the target user; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

Further, based on the method shown in fig. 1 to 5, the embodiment of the present disclosure further provides a storage medium, which is used to store computer executable instructions, and in a specific embodiment, the storage medium may be a U disc, an optical disc, a hard disk, etc., where the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, after obtaining the behavior information of the target user about the target service from the first service processing node, may further perform the steps of:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, manage credit information of the target user according to the behavior information, including:

Optionally, the step of forward updating the credit information of the target user when the computer executable instructions stored in the storage medium are executed by the processor includes:

Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, if the behavior information indicates that the target user does not pay for the target service according to the contract, the step of managing credit information of the target user according to the behavior information further includes:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, evaluate whether the credit information of the target user meets a set credit constraint, including:

The computer executable instructions stored in the storage medium provided in the embodiments of the present disclosure, when executed by the processor, provide the target service to the target user by evaluating the credit of the target user, when the credit information of the user meets the set credit constraint condition; the method and the device realize that whether the target service is provided for the target user is determined according to the credit information of the target user; the method comprises the steps of acquiring behavior information of a target user about target service from a first service processing node, managing credit information of the target user according to the behavior information, realizing the association of the behavior information of the target user and the credit information of the target user, namely, whether the target user can enjoy the target service next time or not is influenced by the behavior information of the target user, evaluating the credit information of the target user more comprehensively, realizing constraint on the target user, enabling the processing of the target service to be more reasonable, and sending an application request to a second service processing node after determining that the first service processing node provides the target service for the target user, so as to apply for an event of providing the target service for the target user by the first service processing node, guaranteeing the benefit of a merchant corresponding to the first service processing node, and avoiding loss to the merchant due to unfulfilled contract of the target user.

In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of 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, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, 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 of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present application.

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

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer 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, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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

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

The application 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. The application 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.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims

1. A method of service processing applied to a credit management node, the method comprising:

feeding back the evaluation result to a first service processing node, so that the first service processing node determines whether to provide a target service to the target user according to the evaluation result; the evaluation result comprises that the credit information of the target user meets a set credit constraint condition or the credit information of the target user does not meet the set credit constraint condition, and the first service processing node provides the target service for the target user when the evaluation result is that the credit information of the target user meets the set credit constraint condition;

If the first service processing node is determined to provide the target service for the target user, sending an application request to a second service processing node so that the second service processing node executes application operation on an event that the first service processing node provides the target service for the target user;

and if the target service is determined to be ended and the target user does not pay for the target service according to the agreement, triggering the second service processing node to execute a claim settlement operation on the event of providing the target service for the target user by the first service processing node.

2. The method of claim 1, the triggering the second service processing node to perform a claims operation on an event for which the first service processing node provides a target service to the target user, comprising:

if the behavior information of the target user aiming at the target service indicates that the target user does not pay the target service according to the convention, a claim settlement request is sent to a second service processing node so as to trigger the second service processing node to execute claim settlement operation on the event of providing the target service to the target user by the first service processing node.

3. The method of claim 1 or 2, the method further comprising:

acquiring behavior information of the target user aiming at the target service from the first service processing node;

4. The method of claim 3, wherein the forward updating of the credit information for the target user comprises:

and when the target user's conservation behavior information and the credit score reach set requirements, adjusting the credit rating of the target user.

5. The method of claim 3, wherein if the behavior information indicates that the target user is not paying for the target service according to a contract, the method further comprises:

and publishing information that the target user does not pay the target service according to the agreement.

6. The method of claim 1, wherein the evaluating whether the credit information of the target user meets the set credit constraint comprises:

7. A service processing apparatus provided at a credit management node, the apparatus comprising:

the feedback module is used for feeding back the evaluation result to the first service processing node so that the first service processing node can determine whether to provide the target service for the target user according to the evaluation result; the evaluation result comprises that the credit information of the target user meets a set credit constraint condition or the credit information of the target user does not meet the set credit constraint condition, and the first service processing node provides the target service for the target user when the evaluation result is that the credit information of the target user meets the set credit constraint condition;

The sending module is used for sending an application request to a second service processing node if the first service processing node is determined to provide the target service for the target user, so that the second service processing node executes application operation on an event that the first service processing node provides the target service for the target user;

and the triggering module is used for triggering the second service processing node to execute the claim settlement operation on the event of providing the target service for the target user by the first service processing node if the target service is determined to be ended and the target user does not pay the target service according to the convention.

8. The device of claim 7, wherein the triggering module is specifically configured to:

9. A business processing system, comprising: the credit management node, the first service processing node and the second service processing node;

The first service processing node is used for responding to a target service request triggered by a target user and sending a request for carrying out credit evaluation on the target user to the credit management node; and the system is also used for judging whether to provide the target service for the target user according to the evaluation result fed back by the credit management node; the evaluation result comprises that the credit information of the target user meets the set credit constraint condition or the credit information of the target user does not meet the set credit constraint condition, and if the evaluation result is that the credit information of the target user meets the set credit constraint condition, the target service is provided for the target user;

the credit management node is used for evaluating whether the credit information of the target user meets the set credit constraint conditions and feeding back an evaluation result to the first service processing node; the first service processing node is further configured to send an application request to a second service processing node if it is determined that the first service processing node provides the target service to the target user; the method is also used for triggering the second service processing node to execute a claim settlement operation on the event of providing the target service for the target user by the first service processing node if the target service is determined to be ended and the target user does not pay the target service according to the convention;

And the second service processing node is used for responding to the application request and executing application operation on the event of providing the target service to the target user by the first service processing node.

10. The system of claim 9, the credit management node further to:

11. The system of claim 9 or 10, the system further comprising:

the credit management node is used for acquiring the behavior information of the target user aiming at the target service from the first service processing node; if the behavior information indicates that the target user pays the target service according to the agreement, the credit information of the target user is updated in the forward direction; and if the behavior information indicates that the target user does not pay the target service according to the agreement, negatively updating the credit information of the target user.

12. The system of claim 11, the credit management node further operable to:

recording the information of the conservation behavior of the target user, and increasing the credit score of the target user; and adjusting the credit rating of the target user when the target user's daemon behavior information and the credit score meet the set requirements.

13. The system of claim 11, the credit management node further to:

14. A service processing apparatus provided at a credit management node, the apparatus comprising:

a processor; and

15. A storage medium, disposed at a credit management node, for storing computer executable instructions that, when executed, implement the following: