CN116611043A

CN116611043A - Service processing method and device

Info

Publication number: CN116611043A
Application number: CN202310511715.2A
Authority: CN
Inventors: 王枫平; 王凯; 费斌杰
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-05-05
Filing date: 2023-05-05
Publication date: 2023-08-18

Abstract

The embodiment of the specification provides a service processing method and device, wherein the service processing method comprises the following steps: and sending ciphertext data of a user identifier of the user to a credit platform, performing intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, performing admission processing of credit service to the user in a target application under the condition that an intersection calculation result obtained by interface call back calculation processing is not null, and performing service response processing based on a verification result of performing credit verification on the user after a service instruction aiming at the credit service is detected.

Description

Service processing method and device

Technical Field

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

Background

With the development of internet technology, the importance of users on credit is continuously improved, the construction and perfection of online credit system are also continuously carried out, various behavioral activities generated by users in online service represent credit data of the users, the credit data of the users are used for carrying out credit evaluation on the users, the importance of various online services on the credit grades of the users is gradually improved, the users also urgently improve the credit grades of the users, and how to provide a more rapid or reliable credit grade improving mode in the process becomes an important point.

Disclosure of Invention

One or more embodiments of the present specification provide a service processing method, including: the user identification of the user submitting the access request through the target application is obtained. And calling a credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and obtaining an intersection calculation result. And if the intersection calculation result returned by the interface call is not null, carrying out admission processing of credit service to the user in the target application. And after detecting the service instruction aiming at the credit service, calling a verification interface to carry out credit verification on the user, and carrying out service response processing based on a verification result.

One or more embodiments of the present specification provide a service processing apparatus including: the device comprises an identification acquisition module configured to acquire a user identification of a user submitting an access request through a target application. And the data sending module is configured to call a credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of the credit access user set to obtain an intersection calculation result. And if the intersection calculation result returned by the interface call is not null, operating an admission processing module, wherein the admission processing module is configured to perform admission processing of credit service to the user in the target application. And the service response module is configured to call a verification interface to carry out credit verification on the user after detecting the service instruction aiming at the credit service, and carry out service response processing based on the verification result.

One or more embodiments of the present specification provide a service processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: the user identification of the user submitting the access request through the target application is obtained. And calling a credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and obtaining an intersection calculation result. And if the intersection calculation result returned by the interface call is not null, carrying out admission processing of credit service to the user in the target application. And after detecting the service instruction aiming at the credit service, calling a verification interface to carry out credit verification on the user, and carrying out service response processing based on a verification result.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: the user identification of the user submitting the access request through the target application is obtained. And calling a credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and obtaining an intersection calculation result. And if the intersection calculation result returned by the interface call is not null, carrying out admission processing of credit service to the user in the target application. And after detecting the service instruction aiming at the credit service, calling a verification interface to carry out credit verification on the user, and carrying out service response processing based on a verification result.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a schematic diagram of an environment in which a service processing method according to one or more embodiments of the present disclosure may be implemented;

FIG. 2 is a process flow diagram of a service processing method provided in one or more embodiments of the present disclosure;

FIG. 3 is a flow chart illustrating a method of processing services for credit service scenarios according to one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of one embodiment of a service processing apparatus provided in one or more embodiments of the present disclosure;

fig. 5 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 enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more 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 or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

Referring to fig. 1, one or more embodiments of the present disclosure provide a schematic diagram of a service processing method implementation environment, where the implementation environment includes a user terminal 101, an application platform server 102, and a credit platform server 103.

The user terminal 101 may be a cell phone, a personal computer, a tablet computer, an e-book reader, a VR (Virtual Reality technology) -based device for information interaction, an in-vehicle terminal, an IoT device, a wearable smart device, a laptop and desktop computer, etc.

The user terminal 101 may be installed with a target application client, or with a browser, a web page client accessing the target application through the browser, or with a third party application program within which the target application is run. The application clients and web page clients referred to in one or more embodiments of the present specification are collectively referred to as clients, and are not specifically stated below. The client may be a client having a credit verification function, or a client having both a credit verification function and a social function, or a client having both a credit verification function and a credit service admittance function, or a client having both a credit verification function and a data transmission function, or a client having both a credit verification function, a data transmission function, a data query function, and other service functions, and in addition, the client may also have other types of functions, which will not be described herein.

The application platform server 102 may be a server, or a server cluster formed by a plurality of servers, or a cloud computing service center, in combination with an actual service processing scenario, in the process of performing intersection computation processing on users, the number of deployment and deployment modes of the servers may be determined according to the magnitude of the number of users submitting access requests in a time period, for example, one or more servers may be deployed in the case of a small number of users; for another example, under the condition that the number of users reaches a certain level, a server cluster formed by a plurality of servers is deployed, so that the processing efficiency of the application platform on the access request of the users is improved.

The credit platform server 103 may be a server, or a server cluster formed by a plurality of servers, or a cloud computing service center, and in combination with an actual intersection computing scenario, in a process of receiving ciphertext data of a user identifier and performing intersection computing processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, the deployment number and deployment mode of the servers may be determined according to the magnitude of the number of ciphertext data of the user identifier received in a target time period, for example, one or more servers may be deployed in a case where the received ciphertext data is less, and in a case where the received ciphertext data reaches a certain magnitude, a server cluster formed by a plurality of servers may be deployed, and in addition, in a process of performing credit verification on a user, the deployment number and deployment mode of the servers may be determined according to the magnitude of the number of user identifiers received in the target time period and the magnitude of the number of users performing credit verification.

The data communication between the user terminal 101 and the application platform server 102 can be performed through a wireless network or a wired network, the data communication between the user terminal 101 and the credit platform server 103 can be performed through a wireless network or a wired network, and the data communication between the application platform server 102 and the credit platform server 103 can be performed through a wireless network or a wired network.

The application platform server 102 is used for sending ciphertext data of the user identification in interaction with the user terminal 101; an admission process for performing credit service interactively with the user terminal 101; for interacting with the user terminal 101 for service response processing, and in addition, the application platform server 102 may also interact with the user terminal 101 for other processing operations. The credit platform server 103 is used for interacting with the application platform server 102 to perform intersection calculation processing based on the ciphertext data of the user identification and the ciphertext data of the credit admittance user set, so as to obtain an intersection calculation result; for interacting with the application platform server 102 to perform credit verification on the user, and returning verification results to the application platform server 102, and in addition, the credit platform server 103 may interact with the application platform server 102 to perform other processing operations.

The present implementation environment may further include other servers (not shown in fig. 1), which are servers corresponding to other functions provided by the client. The other servers and the application platform server 102 may be connected by a wireless network or a wired network. The other server may be a server, or a server cluster formed by a plurality of servers, or a cloud computing service center. Other servers may be connected to the credit platform server 103 via a wireless network or a wired network.

When the client in the user terminal 101 is a client having a credit verification function, a credit service admission function, a data transmission function, and other functions at the same time, other servers are used to provide corresponding service functions such as a social function, a game function, an email receiving and sending function, a resource processing function, and the like for interacting with the user terminal 101.

The embodiment of a service processing method provided in the specification is as follows:

the service processing method provided by the embodiment can be applied to an application platform of a target application, a credit interface is called to send ciphertext data of a user identifier of a user submitting an access request through the target application to the credit platform, so that an intersection between the ciphertext data and a ciphertext data set of a credit access user set is calculated by the credit platform, and under the condition that an intersection calculation result returned by the interface call is not null, access processing of credit service is performed to the user in the target application, so that whether access processing of the credit service is performed to the user is determined by the credit access user set of the credit platform, front access verification of the credit service is realized, the access validity and the comprehensiveness of the credit service are improved, the pertinence of the credit service is improved, further, service response processing is performed based on a verification result of the credit verification performed to the user after a service instruction for the credit service is detected, and credit verification is performed on the basis of the user calculation intersection.

Referring to fig. 2, the service processing method provided in this embodiment specifically includes steps S202 to S208.

Step S202, a user identification of a user submitting an access request through a target application is acquired.

The target application in this embodiment includes an application program independently running on the user terminal or a subroutine (applet) loaded in a third party application independently running on the user terminal. The target application may correspond to an application platform. The embodiment can be applied to an application platform or an application platform server.

The user identifier comprises an identifier for representing the user identity, wherein the user identifier can represent the uniqueness of a user, for example, the user identifier can be a communication number, an identity credential number, a name, a mailbox address and/or an application account number of a target application, and can also be other identifiers for representing the user identity.

In the implementation, a user can submit an access request through a target application, specifically, the access request can be submitted in the process of accessing the first page of the target application, or the access request can be submitted in the process of accessing any one of the rest pages except the first page in the target application, and in the process, the user identification of the user submitting the access request through the target application is acquired.

In practical application, the application platform may have a requirement of putting credit service on a certain page in the target application, and before putting, the admission verification of credit service can be performed for the user, specifically, intersection calculation processing can be performed based on the ciphertext data set of the credit admission user set of the credit platform and the ciphertext data of the user identifier of the user submitting the access request, and under the condition that the intersection calculation result is not null, the admission processing of credit service can be performed for the user submitting the access request, so that the user identifier of the user submitting the access request through the target application is obtained.

In a specific execution process, after the user identifier of the user submitting the access request through the target application is acquired and executed, in order to reduce the number of times of calling the credit interface, and avoid the excessive cost caused by the excessive number of times of calling the credit interface, in an optional implementation manner provided in this embodiment, after the user identifier of the user submitting the access request through the target application is acquired and executed, the credit interface is called to send ciphertext data of the user identifier to the credit platform, so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit access user set, and before the intersection calculation result is obtained, the following operations are further executed:

Calculating credit score of the user based on payment behavior data and/or historical service access data of the user on an application platform, and judging whether the credit score is higher than a preset score threshold;

if not, the following step S204 is performed.

The application platform comprises a platform corresponding to the target application; the payment behavior data refers to behavior data generated in the process that a user pays in a target application, for example, the payment behavior data can be payment amount distribution, payment success times, payment channel preference data and the like; the payment amount distribution includes a distribution of each payment amount in each amount interval, and the payment channel preference data includes user preference data for a payment channel, such as user preference credit card payment channel. The historical service admittance data comprises the admittance proportion of credit service of the user history, such as the ratio of the admitted times of the credit service and the total times of the admitted verification of the credit service.

If the credit score of the user is calculated based on the execution behavior data of the user on the application platform and/or the history service access data, and whether the credit score is higher than the execution result of the preset score threshold value is yes, the following operations can be executed: and carrying out admission processing of credit service to the user in the target application, calling a verification interface to carry out credit verification on the user after detecting a service instruction aiming at the credit service, and carrying out service response processing based on a verification result.

It should be noted that, here, the admission process of credit service is performed to the user in the target application, and the service response process is performed according to the verification result of credit verification performed to the user based on the service instruction, which is similar to the related content in the following steps S206 to S208, and therefore, details in the following steps S206 to S208 are not repeated here.

Step S204, a credit interface is called to send ciphertext data of the user identification of the user to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and an intersection calculation result is obtained.

In order to achieve the user conversion rate of the credit service and avoid low conversion rate of the user after the credit data of the user does not meet the requirement and the credit service is admitted to the user, the user can be checked for admitting the credit service.

The credit platform in this embodiment refers to a platform for providing intersection computation processing, where in one case, the credit platform may provide a credit admittance user set, and perform intersection computation processing, in another case, the credit admittance user set may be provided by a third party platform, and the credit platform performs intersection computation processing based on ciphertext data of a user identifier and ciphertext data set of the credit admittance user set, and optionally, the credit admittance user set belongs to the credit platform or the third party platform to which the credit admittance user set belongs. The credit interface comprises a data interface provided by the credit platform and/or a third party platform to an application platform.

The intersection calculation result comprises a result of the user identifier or a null result, namely the intersection calculation result can be null or not null, and the intersection calculation result comprises the user identifier of the user under the condition that the intersection calculation result is not null.

The credit admittance user set comprises a set of one or more credit admittance users and/or one or more credit unauthorised users. Optionally, the credit admittance user set is obtained after calculating credit indexes of all authorized users in the authorized user set of the credit platform or the third party platform in a preset period, and filling the candidate user set determined based on the credit indexes. Specifically, in an optional implementation manner provided in this embodiment, the credit admission user set is generated by adopting the following manner:

Determining an authorized user set of the credit platform in a preset period, and calculating credit indexes of all authorized users in the authorized user set;

and removing authorized users with credit indexes smaller than an index threshold value from the authorized user set to obtain a candidate user set, and filling the candidate user set according to a filling proportion to obtain the credit admittance user set.

Wherein the authorized user set comprises a user set formed by one or more users authorized to calculate credit indexes. The credit index refers to a basis for representing the credit degree of the user, such as credit score and credit grade. Optionally, the filling proportion is determined based on interface calling parameters of the application platform corresponding to the target application in the data period and/or the identification number of intersection user identifications. The interface call parameter includes an interface call number for calling a credit interface in a data period. The number of the identifications of the intersection user identifications comprises the number of the identifications of the total user identifications obtained by adding intersection calculation results obtained by intersection calculation processing in a data period, for example, the data period is 24 hours, the number of times of intersection calculation processing is 2000 times in 24 hours, and the number of the identifications of the total user identifications is obtained by adding intersection calculation results obtained by intersection calculation processing of the 2000 times.

It should be added that the process of filling the candidate user set according to the filling proportion may be replaced by salifying the candidate user set according to the salifying proportion. The salifying treatment of the candidate user set according to the salifying proportion comprises the following steps: determining filling users from a plurality of authorized users with credit indexes smaller than the index threshold according to the filling proportion; and filling the candidate user set based on the user identification of the filling user.

In an optional implementation manner provided in this embodiment, in the foregoing process of performing filling processing on the candidate user set according to the filling proportion, in order to improve the security of the credit access user set, it is ensured that the application platform corresponding to the target application cannot obtain the credit access user set through exhaustion, so as to effectively protect own data, and perform the following operations:

determining filling users from a plurality of authorized users with credit indexes smaller than the index threshold according to the filling proportion;

and filling the candidate user set based on the user identification of the filling user.

The plurality of authorized users with the credit index smaller than the index threshold value can be a plurality of authorized users with the credit index smaller than the index threshold value in the preset period, a plurality of authorized users with the credit index smaller than the index threshold value in the history preset period, or one or more authorized users with the credit index smaller than the index threshold value in the preset period and one or more authorized users with the credit index smaller than the index threshold value in the history preset period. Optionally, the one or more authorized users with credit index smaller than the index threshold in the history preset period are different from the authorized users in the candidate user set.

Specifically, the process of performing the filling processing on the candidate user set based on the user identifier of the filling user may be implemented by filling the user identifier of the filling user into the candidate user set.

In addition, in the process of filling the candidate user set according to the filling proportion, sorting processing can be performed on a plurality of authorized users with the credit indexes smaller than the index threshold, the filling users are determined in the sorting result according to the filling proportion, and the candidate user set is filled based on the user identification of the filling users. The sorting processing is performed on the plurality of authorized users with the credit index smaller than the index threshold, and the filling user is determined in the sorting result according to the filling proportion, which comprises the following steps: and sequencing a plurality of authorized users with the credit index smaller than the index threshold value according to the sequence from large to small, and determining the filling users from front to back in the sequencing result according to the filling proportion.

In the process of calculating the credit index of each authorized user in the authorized user set, in order to improve the effectiveness and accuracy of the credit index, in an optional implementation manner provided in this embodiment, the following operations are performed:

Matching the credit behavior data of each authorized user with a plurality of credit evaluation strategies;

and taking the credit score corresponding to the credit assessment strategy matched with the credit behavior data as the credit index.

The credit behavior data includes credit-related behavior data of each authorized user, such as loan data (loan amount, loan period, whether the loan is overdue, and the time length of overdue), and accumulation data (accumulation total amount, accumulation withdrawal amount, and accumulation withdrawal times). The credit evaluation strategies refer to strategies for carrying out credit evaluation on users, for example, the credit evaluation strategies comprise overdue loan, a loan amount of a1-a2, a loan amount of a2-a3, a loan period of b1 year and a loan period of b2 year; the credit scores corresponding to the credit evaluation strategies are respectively as follows: the credit score corresponding to overdue loan is m1, the credit score corresponding to the loan amount a1-a2 is m2, the credit score corresponding to the loan amount a2-a3 is m3, the credit score corresponding to the loan period b1 is m4, and the credit score corresponding to the loan period b2 is m5.

Specifically, for each authorized user, matching the credit behavior data with a plurality of credit evaluation strategies, adding or weighting credit scores corresponding to the credit evaluation strategies matched with the credit behavior data, and obtaining the credit index.

In the implementation, the application platform of the target application obtains the user identification of the user submitting the access request through the target application, after obtaining the user identification, the application platform can construct ciphertext data of the user identification based on the user identification, and call the credit interface to send the ciphertext data of the user identification to the credit platform so as to perform intersection calculation processing based on the ciphertext data and the ciphertext data set of the credit access user set to obtain an intersection calculation result.

In an optional implementation manner provided in this embodiment, the ciphertext data of the user identifier is obtained by: carrying out hash processing on the user identification; and encrypting the hash value obtained by the hash processing based on the first private key to obtain the ciphertext data.

In an optional implementation manner provided in this embodiment, in a process of performing intersection calculation based on the ciphertext data and a ciphertext data set of a credit admittance user set, the following operations are performed:

carrying out hash processing on the credit access user set, carrying out encryption processing on a hash value set obtained by the hash processing based on a second private key to obtain a dense set, and sending the dense set to an application platform;

performing secondary encryption on the ciphertext data based on the second private key to obtain encrypted ciphertext data;

And performing intersection calculation according to the encrypted ciphertext data and an encrypted ciphertext set obtained by performing secondary encryption on the encrypted set.

Optionally, the encrypted ciphertext set is obtained by performing secondary encryption on the encrypted set based on the first private key in the application platform.

In addition, after the credit interface is called to send the ciphertext data of the user identifier to the credit platform for execution, the credit platform can adopt an intersection calculation algorithm to perform intersection calculation processing, the intersection calculation algorithm can adopt a DH (Diffie-Hellman) algorithm, and specifically, the ciphertext data of the user identifier can be input into the intersection calculation algorithm to perform intersection calculation processing, so that an intersection calculation result is obtained.

Step S206, if the intersection calculation result returned by the interface call is not null, carrying out the admission process of credit service to the user in the target application.

And in the step, if the interface calls the returned intersection calculation result not to be null, the admission processing of the credit service is carried out to the user in the target application, and if the interface calls the returned intersection calculation result to be null, the admission processing is not carried out.

The credit service in this embodiment refers to a service related to credit, such as a shared-before-pay service, a mortgage-free service (mortgage-free rental car, mortgage-free charging), and the like.

In particular, in order to improve the user conversion rate of the credit service, the admission process of the credit service can be performed to the user in the target application when the intersection calculation result is not null, that is, when the intersection calculation result includes the user identifier of the user.

The admission process of credit service to the user in the target application comprises the following steps: carrying out display processing of a service page of credit service to a user in a target application; and carrying out admission processing of credit service to the user when the intersection calculation result is not space-time, and carrying out pre-filtering on the user with the credit inaccurate, so as to avoid invalidity of displaying the credit service on the user with the credit inaccurate.

Step S208, after detecting the service instruction aiming at the credit service, calling a verification interface to carry out credit verification on the user, and carrying out service response processing based on the verification result.

In the above step, in order to further ensure service pertinence of the credit service, after detecting a service instruction for the credit service, a verification interface is further invoked to perform credit verification on the user, and service response processing is performed based on the verification result.

The service instruction in this embodiment includes an operation instruction that operates in a credit service, where the service instruction may be an order instruction that performs an order based on the credit service, for example, an application platform of a target application is a shopping platform, and in a case where an intersection calculation result is not null, an admittance process of a pay-before-first service may be performed to a user in the shopping application, and the user may submit the order instruction for the pay-before-first service.

The verification interface may be an interface provided by the credit platform or an interface provided by a verification platform, and the verification platform may be a platform other than the credit platform.

In a specific implementation, after detecting a service instruction for the credit service, invoking a verification interface to perform credit verification on the user, where in an optional implementation manner provided in this embodiment, during the process of performing credit verification on the user, the following operations are performed:

performing credit rating on the user based on user characteristic data and/or service behavior data of the user;

if the credit rating obtained by the credit rating is higher than the preset credit rating, determining that the verification result is verification passing;

and if the credit rating is lower than or equal to the preset credit rating, determining that the verification result is that the verification fails.

Wherein, the user characteristic data refers to characteristic data related to a user, such as the user characteristic data including growth time, occupation, asset characteristic data and the like; the service behavior data includes access data for performing access processing of the target credit service for the user in a history, such as the access times of performing access processing of the target credit service for the user in a history, such as the service behavior data is a in-transit consumption record (in-transit consumption amount, in-transit consumption times).

In a specific implementation process, in an optional implementation manner provided in this embodiment, during a service response process based on a verification result, the following operations are performed:

if the verification result is that the credit verification passes, carrying out payment processing on the order to be paid carried in the service instruction;

and if the verification result is that the credit verification fails, performing revocation processing on the order to be paid, and sending a service failure prompt to the user through the target application.

The to-be-paid order comprises a commodity order to be paid and/or a service order to be paid, wherein the service order to be paid is such as a beauty order to be paid and a course training order to be paid.

It should be noted that, the technical carriers involved in the payment processing in this embodiment may include near field communication (Near Field Communication, NFC), WIFI, 3G/4G/5G, POS machine card swiping technology, two-dimensional code scanning technology, bar code scanning technology, bluetooth, infrared, short message (Short Message Service, SMS), multimedia message (Multimedia Message Service, MMS), and the like.

In practical applications, different users may correspond to different service amounts of credit service, for example, the order amount of an order to be paid of the user is 200 yuan, and the service amount of a pay-before-pay service determined based on the credit score of the user is 100 yuan, in this case, in order to improve service pertinence and service flexibility of the credit service, so that the credit service is more suitable for the needs of the user, in another alternative implementation provided in this embodiment, in the process of performing service response processing based on the verification result, the following operations are performed:

if the verification result is that the credit verification passes, determining the service amount of the credit service corresponding to the credit score of the user;

and carrying out service processing of the credit service on the user according to the service amount.

Along the above example, when the verification result is that the credit verification passes, the order amount of the order to be paid of the user is 200 yuan, and the service amount of the pay-before-first service corresponding to the credit score of the user is determined to be 100 yuan, then the user is subjected to the pay-before-first service processing according to the service amount of the pay-before-first service of 100 yuan, namely, the rest 100 yuan user can pay based on the resource account, and when the verification result is that the credit verification fails, the service failure prompt or no processing is sent to the user through the target application.

In a specific execution process, after a service instruction for credit service is detected, a verification interface is called to carry out credit verification on a user, and after service response processing is carried out based on a verification result, in order to accelerate the pushing progress of the service and improve the user conversion rate of an application platform, in an optional implementation manner provided in this embodiment, the following operations are further executed:

carrying out pushing processing of a service to be pushed, which is consistent with the service attribute of the credit service, to the user;

and opening the service authority of the service to be pushed to the user based on the authorization instruction of the user to the service to be pushed.

The service attribute of the credit service comprises an attribute that the credit service performs admission processing after a user meets a certain credit condition, for example, the credit service performs admission processing under the condition that an intersection calculation result is not null. The service authority comprises the authority for carrying out service operation and service ordering through the service to be pushed.

For example, the credit service is a pay-before-you-go service, push processing of the escort-free service consistent with the service attribute of the pay-before-you-go service is performed to the user, and service authority of the escort-free service is opened to the user based on an authorization instruction of the user to the escort-free service, namely, the user can perform the authority of escort-free in the escort-free service.

In summary, in the service processing method provided in this embodiment, firstly, the user identifier of the user submitting the access request through the target application is obtained, the credit interface is called to send ciphertext data of the user identifier to the credit platform, so as to perform intersection calculation processing on the basis of the ciphertext data of the user identifier and the ciphertext data set of the credit admittance user set on the credit platform, obtain an intersection calculation result, secondly, under the condition that the intersection calculation result returned by the interface call is not null, performing admission processing of the credit service to the user in the target application, finally, after a service instruction aiming at the credit service is detected, invoking the verification interface to perform credit rating on the user based on the user feature data and/or the service behavior data of the user, if the credit rating obtained by the credit rating is higher than the preset credit rating, determining that the verification result is passing, if the verification result is passing, performing payment processing on an order to be paid carried by the service instruction, if the verification result is not passing, performing revocation processing on the order to be paid, and sending a service failure warning to the user through the target application, so as to perform verification processing again on the user on the basis of calculating intersection of the credit, credit rating, and the credit admittance conversion efficiency of the service is improved.

The following further describes the service processing method provided in this embodiment by taking an application of the service processing method provided in this embodiment to a credit service scenario as an example, and referring to fig. 3, the service processing method applied to the credit service scenario specifically includes the following steps.

Step S302, a user identification of a user submitting an access request through an application is acquired.

Alternatively, the application may be a shopping application, a takeaway application, or a pass-through application, and in addition, the application may be other types of applications.

Step S304, a credit interface is called to send ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and an intersection calculation result is obtained.

And step S306, if the returned intersection calculation result is not null, performing credit service admission processing to the user in the target application.

Step S308, after detecting the service instruction for the credit service, a verification interface is called, and the credit rating is carried out on the user based on the user characteristic data and the service behavior data of the user.

Alternatively, the credit service refers to a service related to credit, and the credit service may be a pay-before-share service, a leave-on car renting service, a leave-on charging service, or the like.

In step S310, if the verification result of the credit rating determination obtained based on the credit rating is that the credit verification is passed, the service amount of the credit service corresponding to the credit rating is determined.

And step S312, carrying out payment processing on the order to be paid carried in the service instruction according to the service amount.

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

in the above-described embodiments, a service processing method and a service processing apparatus corresponding thereto are provided, and the following description is made with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of an embodiment of a service processing apparatus provided in this embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a service processing apparatus including:

an identification acquisition module 402 configured to acquire a user identification of a user submitting an access request through a target application;

the data sending module 404 is configured to invoke a credit interface to send the ciphertext data of the user identifier to a credit platform, so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit access user set, and obtain an intersection calculation result;

If the intersection calculation result returned by the interface call is not null, operating an admission processing module 406, wherein the admission processing module 406 is configured to perform admission processing of credit service to the user in the target application;

and a service response module 408 configured to invoke a verification interface to perform credit verification on the user after detecting a service instruction for the credit service, and perform service response processing based on the verification result.

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

in correspondence to a service processing method described above, one or more embodiments of the present disclosure further provide a service processing apparatus for performing a service processing method provided above, based on the same technical concept, and fig. 5 is a schematic structural diagram of a service processing apparatus provided by one or more embodiments of the present disclosure.

The service processing device provided in this embodiment includes:

as shown in fig. 5, the service processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, where the memory 502 may store one or more storage applications or data. Wherein the memory 502 may be transient storage or persistent storage. The application programs stored in memory 502 may include one or more modules (not shown) each of which may include a series of computer executable instructions in the service processing device. Still further, the processor 501 may be configured to communicate with the memory 502 and execute a series of computer executable instructions in the memory 502 on the service processing device. The service processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input/output interfaces 505, one or more keyboards 506, etc.

In a particular embodiment, a service 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 service processing device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:

acquiring a user identification of a user submitting an access request through a target application;

invoking a credit interface to send ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit admittance user set, and obtaining an intersection calculation result;

if the intersection calculation result returned by the interface call is not null, carrying out admission processing of credit service to the user in the target application;

and after detecting the service instruction aiming at the credit service, calling a verification interface to carry out credit verification on the user, and carrying out service response processing based on a verification result.

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

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

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a service processing method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in the apparatus embodiment, and the storage medium embodiment is referred to in the description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In the 30 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 unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

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

The present description 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 Disks (DVD) or other optical storage, magnetic cassettes, 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.

One or more embodiments of the present 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.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A service processing method, comprising:

2. The service processing method according to claim 1, wherein the credit admittance user set is generated by:

3. The service processing method according to claim 2, wherein the filling proportion is determined based on interface calling parameters of an application platform corresponding to the target application and/or the number of identifiers of intersection user identifiers in a data period.

4. The service processing method according to claim 2, wherein the filling the candidate user set according to the filling ratio includes:

5. The service processing method according to claim 2, wherein the calculating the credit index of each authorized user in the set of authorized users includes:

6. The service processing method according to claim 1, wherein the ciphertext data is obtained by:

carrying out hash processing on the user identification;

and encrypting the hash value obtained by the hash processing based on the first private key to obtain the ciphertext data.

7. The service processing method according to claim 1, wherein the intersection calculation processing based on the ciphertext data and the ciphertext data set of the credit admittance user set includes:

8. The service processing method according to claim 1, wherein the service response processing based on the verification result includes:

9. The service processing method according to claim 1, wherein after the service instruction for the credit service is detected, the user is subjected to credit verification by calling a verification interface, and the service response processing step is performed based on the verification result, further comprising:

10. The service processing method according to claim 1, after the step of obtaining the user identifier of the user who submits the access request through the target application is performed, and before the step of calling the credit interface to send the ciphertext data of the user identifier to the credit platform to perform intersection calculation processing based on the ciphertext data and the ciphertext data set of the credit access user set, further comprising:

And if not, executing the step of calling the credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of the credit access user set and obtain an intersection calculation result.

11. The service processing method according to claim 1, wherein the service response processing based on the verification result includes:

12. The service processing method according to claim 1, said performing credit verification on the user, comprising:

and if the credit rating obtained by the credit rating is higher than the preset credit rating, determining that the verification result is verification passing.

13. A service processing apparatus comprising:

the identification acquisition module is configured to acquire a user identification of a user submitting an access request through a target application;

the data sending module is configured to call a credit interface to send the ciphertext data of the user identification to a credit platform so as to perform intersection calculation processing based on the ciphertext data and a ciphertext data set of a credit access user set to obtain an intersection calculation result;

If the intersection calculation result returned by the interface call is not null, operating an admission processing module, wherein the admission processing module is configured to perform admission processing of credit service to the user in the target application;

and the service response module is configured to call a verification interface to carry out credit verification on the user after detecting the service instruction aiming at the credit service, and carry out service response processing based on the verification result.

14. A service processing apparatus comprising:

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

15. A storage medium storing computer-executable instructions that when executed by a processor implement the following: