CN116957563A - Digital RMB traffic payment method, device, terminal equipment and storage medium - Google Patents
Digital RMB traffic payment method, device, terminal equipment and storage medium Download PDFInfo
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Abstract
The application discloses a digital RMB traffic payment method, a device, terminal equipment and a storage medium, wherein the digital RMB traffic payment method comprises the following steps: responding to a payment request of the digital RMB traffic card, and determining a third party operation system corresponding to the digital RMB traffic card; matching a corresponding type of target activity according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; when the target activity meets the preset preferential conditions, the amount of the payment request is preferential according to the target activity, and the preferential amount is obtained. The third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, and the technical problem of high management cost of reduced activities of digital RMB traffic payment can be effectively solved.
Description
Technical Field
The present application relates to the field of data management technologies, and in particular, to a method and apparatus for digital rmb traffic payment, a terminal device, and a storage medium.
Background
In order to improve the card issuing amount, each operation bank cooperates with a card passing company to issue digital RMB quasi-account hardware wallet traffic cards, while each operating bank can pay through the principal wallet in order to attract customers, the digital RMB transit payment system provides preferential modes such as cash returning, rewarding and the like for users, so that the users are encouraged to use the digital RMB quasi-account hardware wallet transit card to carry out card swiping consumption.
Because the types and the strengths of the offers of the operation banks are different, if the operation banks configure personalized offers in the digital RMB traffic payment system, additional secondary development is needed. However, the secondary development of activities involves the development of new codes and functions, which in turn puts high operational cost pressures on both the card company and the operating bank.
Therefore, there is a need for a solution for improving the cost of digital RMB traffic payment preferential activity management between a digital RMB traffic payment system and an operating bank.
Disclosure of Invention
The application mainly aims to provide a digital RMB traffic payment method, a device, terminal equipment and a storage medium, which aim to solve the technical problem of high management cost of digital RMB traffic payment preferential activity between a digital RMB traffic payment system and an operation bank.
In order to achieve the above object, the present application provides a digital rmb traffic payment method, including:
responding to a payment request of a digital RMB traffic card, and determining a third party operation system corresponding to the digital RMB traffic card;
matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template;
and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained.
Optionally, before the step of matching the target activities of the corresponding types according to the identification of the third party operation system, the method further includes:
receiving target activity parameters sent by the third-party operation system;
and generating target activities of the third-party operation system according to the target activity parameters based on the configuration template.
Optionally, the step of generating the target activity of the third party operation system according to the target activity parameter based on the configuration template includes:
filling information into the configuration template according to the target activity parameters to obtain an activity configuration file;
and reading the activity configuration file through a preset program to obtain the target activity.
Optionally, before the step of generating the target activity of the third party operation system according to the target activity parameter based on the configuration template, the method further includes:
acquiring an activity data set;
extracting information from the activity data set, and determining a plurality of types of sample activities;
and respectively carrying out field configuration on the sample activities of the plurality of types to generate the configuration template.
Optionally, after the step of receiving the target activity parameter sent by the third party operation system, the method further includes:
extracting a target time period in the target activity parameters, and detecting whether other activities exist in the target time period;
and if the other activities do not exist in the target time period, executing the preset configuration template, and generating target activities of the third-party operation system and the following steps according to the target activity parameters.
Optionally, when the target activity meets a preset preferential condition, the step of giving a preferential amount to the amount of the payment request according to the target activity further includes:
acquiring the preferential total number and the current date of the target activity;
detecting whether the offered total number reaches a preset offered total number threshold value and/or whether the current date exceeds a preset offered validity period;
and if the offered total number reaches the offered total number threshold value and/or the current date exceeds the offered validity period, determining that the target activity does not meet the offered condition.
Optionally, when the target activity meets a preset preferential condition, the step of giving a preferential amount to the amount of the payment request according to the target activity further includes:
responding to the activity modification instruction to obtain a modified activity parameter;
combining the modified activity parameters and the target activity parameters to obtain combined activity parameters to detect whether the target activity comprises at least two preferential types;
and if the target activity comprises at least two preferential types, adjusting an order price interval of the target activity, and determining that the target activity meets the preferential conditions.
The embodiment of the application also provides a digital RMB traffic payment device, which comprises:
the determining module is used for responding to the payment request of the digital RMB traffic card and determining a third-party operation system corresponding to the digital RMB traffic card;
the matching module is used for matching the target activities of the corresponding types according to the identification of the third-party operation system, wherein the target activities are generated based on a preset configuration template;
and the preferential module is used for preferential treatment of the amount of the payment request according to the target activity when the target activity meets the preset preferential condition, so as to obtain the preferential amount.
The embodiment of the application also provides a terminal device which comprises a memory, a processor and a digital RMB traffic payment program which is stored in the memory and can run on the processor, wherein the digital RMB traffic payment program realizes the steps of the digital RMB traffic payment method when being executed by the processor.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium is stored with a digital RMB traffic payment program, and the digital RMB traffic payment program realizes the steps of the digital RMB traffic payment method when being executed by a processor.
The digital RMB traffic payment method, the device, the terminal equipment and the storage medium provided by the embodiment of the application determine a third party operation system corresponding to the digital RMB traffic card by responding to the payment request of the digital RMB traffic card; matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained. Based on the scheme of the application, the third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, the technical problem of high management cost of the digital RMB traffic payment reduced activities between the digital RMB traffic payment system and an operation bank can be effectively improved, and the secondary development of activities is avoided, which involves new codes and functions.
Drawings
FIG. 1 is a schematic diagram of functional modules of terminal equipment to which the digital RMB traffic payment device of the application belongs;
FIG. 2 is a flow chart of a first exemplary embodiment of the digital RMB traffic payment method of the application;
FIG. 3 is a flow chart of a second exemplary embodiment of the digital RMB traffic payment method of the application;
FIG. 4 is a flow chart of a third exemplary embodiment of the digital RMB traffic payment method of the application;
FIG. 5 is a flow chart of a fourth exemplary embodiment of the digital RMB traffic payment method of the application;
FIG. 6 is a schematic flow chart diagram of a fifth exemplary embodiment of a digital RMB traffic payment method according to the application;
FIG. 7 is a flow chart of the activity life cycle management of the digital RMB traffic payment method of the application;
FIG. 8 is a flow chart of a sixth exemplary embodiment of the digital RMB traffic payment method of the application;
fig. 9 is a flowchart illustrating a seventh exemplary embodiment of the digital rmb transportation payment method of the present application.
The achievement of the objects, functional features and advantages of the present application will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
The main solutions of the embodiments of the present application are: responding to a payment request of a digital RMB traffic card, and determining a third party operation system corresponding to the digital RMB traffic card; matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained. Based on the scheme of the application, the third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, the technical problem of high management cost of the digital RMB traffic payment reduced activities between the digital RMB traffic payment system and an operation bank can be effectively improved, and the secondary development of activities is avoided, which involves new codes and functions.
The embodiment of the application considers the problem of high cost of digital RMB traffic payment in the digital RMB traffic payment system, and currently, each operation bank cooperates with a card company to issue digital RMB quasi-account hardware wallet traffic cards for improving card issuing amount, meanwhile, the customers hope to pay through the wallet of the present bank, and offer preferential modes such as cash returning and rewarding to the users through the traffic card payment system so as to encourage the customers to consume the cards. However, the preference strength and the preference mode of each operation bank are not the same, secondary development is needed when the preference is configured, time and labor are consumed, and great operation cost is brought to the card company and the operation bank.
Therefore, the scheme of the embodiment of the application is based on the practical problem of high cost of digital RMB traffic payment in the digital RMB traffic payment system, the configuration of the preferential activity is decoupled from a specific development link, and the product scheme of the pre-preferential system based on the space between the general card company and the operation bank is designed by configuration instead of development, so that the technical problem of high cost of digital RMB traffic payment in the digital RMB traffic payment system can be effectively improved, and the secondary development of activities is avoided to relate to new codes and functions.
Specifically, referring to fig. 1, fig. 1 is a schematic diagram of functional modules of a terminal device to which the digital rmb traffic payment device of the present application belongs. The digital RMB traffic payment device can be a device which is independent of the terminal equipment and can carry out digital RMB traffic payment, and the device can be carried on the terminal equipment in a form of hardware or software. The terminal equipment can be an intelligent mobile terminal with a data processing function such as a mobile phone and a tablet personal computer, and can also be a fixed terminal equipment or a server with a data processing function.
In this embodiment, the terminal device of the digital rmb traffic payment device includes at least an output module 110, a processor 120, a memory 130, and a communication module 140.
The memory 130 stores an operating system and a digital rmb traffic payment program, and the digital rmb traffic payment device may determine a third party operating system corresponding to the digital rmb traffic card in response to a payment request of the digital rmb traffic card; according to the identification of the third-party operation system, the matched corresponding type of target activity is generated and obtained based on a preset configuration template; when the target activity meets the preset preferential conditions, the amount of the payment request is preferential according to the target activity, and the preferential amount is obtained. The information is stored in the memory 130; the output module 110 may be a display screen or the like. The communication module 140 may include a WIFI module, a mobile communication module, a bluetooth module, and the like, and communicates with an external device or a server through the communication module 140.
Wherein, the digital renminbi traffic payment program in the memory 130 realizes the following steps when being executed by the processor:
responding to a payment request of a digital RMB traffic card, and determining a third party operation system corresponding to the digital RMB traffic card;
matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template;
And when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
receiving target activity parameters sent by the third-party operation system;
and generating target activities of the third-party operation system according to the target activity parameters based on the configuration template.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
filling information into the configuration template according to the target activity parameters to obtain an activity configuration file;
and reading the activity configuration file through a preset program to obtain the target activity.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
acquiring an activity data set;
extracting information from the activity data set, and determining a plurality of types of sample activities;
and respectively carrying out field configuration on the sample activities of the plurality of types to generate the configuration template.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
extracting a target time period in the target activity parameters, and detecting whether other activities exist in the target time period;
and if the other activities do not exist in the target time period, executing the preset configuration template, and generating target activities of the third-party operation system and the following steps according to the target activity parameters.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
acquiring the preferential total number and the current date of the target activity;
detecting whether the offered total number reaches a preset offered total number threshold value and/or whether the current date exceeds a preset offered validity period;
and if the offered total number reaches the offered total number threshold value and/or the current date exceeds the offered validity period, determining that the target activity does not meet the offered condition.
Further, the digital rmb traffic payment procedure in the memory 130, when executed by the processor, also performs the steps of:
responding to the activity modification instruction to obtain a modified activity parameter;
Combining the modified activity parameters and the target activity parameters to obtain combined activity parameters to detect whether the target activity comprises at least two preferential types;
and if the target activity comprises at least two preferential types, adjusting an order price interval of the target activity, and determining that the target activity meets the preferential conditions.
According to the scheme, the third party operation system corresponding to the digital RMB traffic card is determined in particular by responding to the payment request of the digital RMB traffic card; matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained. Based on the scheme of the application, the third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, the technical problem of high management cost of the digital RMB traffic payment reduced activities between the digital RMB traffic payment system and an operation bank can be effectively improved, and the secondary development of activities is avoided, which involves new codes and functions.
The method embodiment of the application is proposed based on the above-mentioned terminal equipment architecture but not limited to the above-mentioned architecture. It should be noted that, the embodiments of the method of the present application may be combined with each other to form a complete solution.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first exemplary embodiment of the digital renminbi traffic payment method of the present application. The digital RMB traffic payment method comprises the following steps:
step S210, a third party operation system corresponding to the digital RMB traffic card is determined in response to a payment request of the digital RMB traffic card;
the implementation main body of the method of the embodiment can be a digital RMB traffic payment device, or can be a digital RMB traffic payment terminal device or a server, and the embodiment takes the digital RMB traffic payment device as an example, and the digital RMB traffic payment device can be integrated on a terminal device such as a smart phone, a tablet computer and the like with a data processing function.
The embodiment of the application considers that in order to improve the card issuing quantity, each operation bank cooperates with a card company to issue digital RMB quasi-account hardware wallet traffic card, while each operating bank may wish to pay through the principal's wallet, for example, by providing users with cash returns and rewards in a preferential manner using a traffic card payment system to encourage customers to consume card swipes. However, the preference strength and the preference mode of each operation bank are not the same, secondary development is needed when the preference is configured, time and labor are consumed, and great operation cost is brought to the card company and the operation bank.
Therefore, the scheme of the embodiment of the application is based on the practical problem of high cost of digital RMB traffic payment in the digital RMB traffic payment system, the configuration of the preferential activity is decoupled from a specific development link, and the product scheme of the pre-preferential system based on the space between the general card company and the operation bank is designed by configuration instead of development, so that the technical problem of high cost of digital RMB traffic payment in the digital RMB traffic payment system can be effectively improved, and the secondary development of activities is avoided to relate to new codes and functions.
Specifically, when the user pays using the digital rmb traffic card, the digital rmb traffic payment system may determine a pre-bound third-party operation system of the hardware wallet according to the hardware wallet of the digital rmb traffic card, that is, the digital rmb traffic payment system may identify a plurality of third-party operation systems according to the hardware wallet.
Step S220, matching corresponding types of target activities according to the identification of the third-party operation system, wherein the target activities are generated and obtained based on a preset configuration template;
specifically, each third party operation system corresponds to an identifier, and when the third party operation system corresponding to the digital RMB traffic card is determined, a proper target activity type can be determined according to the identifier of the third party operation system. The target activities are generated according to a preset configuration template, and the configuration template can be suitable for different activity types, such as full reduction, discount, time-limited special preference and the like. That is, for different types of activities, the target activities can be generated according to the preset configuration template, so that the third party operation system and the digital RMB traffic payment system can be flexibly set for different preferential modes and rules.
And step S230, when the target activity meets the preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained.
Specifically, the system will evaluate whether the selected target activity satisfies the preferential conditions, such as order amount, transaction time, etc. If the target activity meets the preferential conditions, the system gives corresponding preferential to the amount of the payment request according to the preferential rules of the activity. This benefit may be in different ways, such as reducing a certain amount, a proportional discount, etc. Finally, the amount paid by the user is adjusted to be the amount after the discount according to the discount rules of the campaign.
According to the scheme, the third party operation system corresponding to the digital RMB traffic card is determined in particular by responding to the payment request of the digital RMB traffic card; matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained. Based on the scheme of the application, the third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, the technical problem of high management cost of the digital RMB traffic payment reduced activities between the digital RMB traffic payment system and an operation bank can be effectively improved, and the secondary development of activities is avoided, which involves new codes and functions.
Referring to fig. 3, fig. 3 is a flowchart illustrating a second exemplary embodiment of the digital renminbi traffic payment method of the present application. Based on the embodiment shown in fig. 2, step S220, before matching the corresponding type of target activity according to the identifier of the third party operation system, further includes:
step S310, receiving target activity parameters sent by the third party operation system;
specifically, the target activity parameter input from the third party operation system may be received through the digital RMB transportation payment system, and the target activity parameter may include one or more of an activity identification, an activity name, an activity merchant, an activity type, a preference rule, a time limit, and the like.
The third party operation system can be an operation bank, and the digital RMB traffic payment system can receive the target activity parameters input by at least one third party operation system.
Step S320, generating a target activity of the third party operation system according to the target activity parameter based on the configuration template.
Specifically, before generating the target activities required to be created by the third party operation system based on the configuration template, one-time system development and access work can be performed between the card company and the operation bank. More specifically, by establishing a pre-arranged configuration template, the configuration template can be suitable for different types of activity rules and settings, and different operation banks are allowed to access.
By way of example, when the operation bank decides to push out a new preferential activity, the digital RMB preferential payment system can complete the docking by configuring parameters required by the digital RMB standard account hardware wallet traffic card preferential activity of each operation bank when expanding the operation bank issuing the digital RMB standard account hardware wallet traffic card swiping preferential channel by inputting target activity parameters to the digital RMB traffic payment system, and then the push out of the new preferential activity can be realized without complex system development.
According to the scheme, the digital RMB traffic payment system receives the parameters sent by the third-party operation system and generates the target activities according to the configuration template, so that automatic activity configuration is effectively realized; personalized preferential activities aiming at a specific operation system can be generated by carrying out customization processing according to the target activity parameters; and generating target activities based on the configuration template, each activity can be prevented from being written and developed from scratch, so that the development workload is reduced.
Referring to fig. 4, fig. 4 is a flowchart illustrating a third exemplary embodiment of the digital renminbi traffic payment method of the present application. Based on the embodiments shown in fig. 2 and 3, step S320, based on the configuration template, generates a target activity of the third party operation system according to the target activity parameter, including:
Step S410, according to the target activity parameters, filling information into the configuration template to obtain an activity configuration file;
specifically, by combining the fields in the configuration template with the target activity parameters received from the third party operating system, the system can automatically generate a specific activity profile that includes the target activity parameters and configuration fields corresponding to the target activity parameters. The generated activity configuration file should be a complete file that can be directly imported into the system for operation, and may include general structures, fields and rules of the activity. The digital RMB traffic payment system fills specific values or settings in the target activity parameters to corresponding positions of the configuration templates, thereby forming a specific activity configuration file.
For example, if the target activity parameters include information such as the name, start-stop time, participation condition, rewards rule, etc. of the activity, the system will populate the corresponding fields with the information according to the configuration template to generate an activity configuration file containing detailed settings of the specific activity.
Step S420, reading the activity configuration file through a preset program, and obtaining the target activity.
Specifically, the program may be a specific computer program or script for parsing the configuration item by item according to the information in the activity configuration file, translating each configuration parameter into an instruction or operation readable by the digital rmb traffic payment system, and generating a corresponding activity configuration file. The activity profile will contain information in all configuration templates and target activity parameters.
According to the scheme, the configuration template is filled with information through the target activity parameters to generate the activity configuration file, then the activity configuration file is read through the preset program to generate the final activity configuration file, automation and standardization of activity creation are effectively achieved, and efficiency of activity creation and management is improved.
Referring to fig. 5, fig. 5 is a flowchart illustrating a fourth exemplary embodiment of the digital renminbi traffic payment method of the present application. Based on the embodiment shown in fig. 2, step S310 further includes, after receiving the target activity parameter sent by the third party operation system:
step S510, extracting a target time period in the target activity parameters, and detecting whether other activities exist in the target time period;
Specifically, after the digital rmb transportation payment system receives the target parameter sent by the third party operation system, a target time period, that is, a predetermined time range of the activity, may be extracted from the target activity parameter, and then it is determined whether other activities already exist within this target time period, so as to detect whether there is time overlap or conflict between the target activity and the other activities.
Step S520, if the other activities do not exist in the target time period, executing the preset configuration template, and generating a target activity of the third party operation system according to the target activity parameters and the following steps.
Specifically, if no other activity exists within the target time period, the system will continue to execute the subsequent step S320. If other activities already exist within the target time period, the system may take different strategies such as deferring the time of the target activity, adjusting the activity settings to avoid conflicts, or canceling the generation of the target activity, etc.
Wherein, in order to ensure that activities cannot conflict with each other, different payment channels (such as mobile payment, online banking payment and the like) of the same third party operation system cannot simultaneously set a plurality of different preferential activities; multiple independent preferential activities can exist among different payment channels of the same third-party operation system, each payment channel has a set of preferential settings of the payment channel, namely, each payment channel has the independent preferential settings of the payment channel, and the settings do not affect each other among different payment channels. In this way, the configuration of preferential activities within the same time period can be limited to ensure compatibility and noninterference between different activities.
According to the scheme, the operation bank payment channel and the time period are managed in the activity configuration process, namely, the target time period in the target activity parameters is acquired, whether other activities exist or not is detected according to the target time period, the target activities can be generated according to the preset configuration template under the condition that no conflict exists in the target time period, the activity time is effectively managed, the overlapping of the activities is avoided, and the success rate of the activity configuration is improved.
Referring to fig. 6, fig. 6 is a flowchart illustrating a fifth exemplary embodiment of the digital rmb transportation payment method of the present application. Based on the embodiment shown in fig. 2, step S230, when the target activity meets the preset preferential condition, preferential is performed on the amount of the payment request according to the target activity, and before the preferential amount is obtained, further includes:
step S610, obtaining the preferential total number and the current date of the target activity;
referring to fig. 7, fig. 7 is a flow chart illustrating the activity life cycle management of the digital rmb traffic payment method of the present application. Specifically, the active state has six states in total, including, but not limited to, in draft: the temporary storage state of the newly built activity is "in draft", and if the audit is not passed, the state is changed back to "in draft". In the auditing: the newly built activity submits the audit, or the activity in the draft is modified and submitted to the audit, and the activity state is changed into the audit. In effect: an activity in the auditing, and after the auditing is passed, the activity becomes effective; or a suspended activity, becomes active after a restart. Has ended: the activity has reached a peak beyond the expiration date or the preferential total, becoming: has ended; has been suspended: after the active activity is tentative, it becomes: deleted.
Step S620, detecting whether the reduced total number reaches a preset reduced total number threshold value and/or whether the current date exceeds a preset reduced validity period;
in particular, the total number of offers may be the total number of offered orders and/or the total amount of offers, the total number of offered orders may be the total number of user orders or users that have participated in the offer and have actually offered, and the total amount of offers may be the total amount of offers that have participated in the offer and have actually offered. The offer total threshold may be an offer order threshold and/or an offer amount threshold.
Illustratively, if the total number of the preferential orders meets the preset target total number of the orders, the preferential total number meets the activity termination condition; or if the preferential amount meets the preset target preferential amount, the preferential total number meets the condition of ending the activity; or if the current date exceeds the preset preferential validity period, the current date is indicated to meet the activity termination condition.
Step S630, if the total number of offers reaches the total number of offers threshold and/or the current date exceeds the offer validity period, determining that the target activity does not satisfy the offer condition.
Specifically, if the system detects that the total number of offers reaches the offer total number threshold and/or the current date exceeds the valid offer period, the system may perform a termination operation of the campaign and determine that the targeted campaign has not met the offer condition. For example, the acceptance of a new offer may be stopped, a page or function associated with the activity may be closed, or the participant may be notified that the activity is about to end or a combination of the above.
Further, the specific step of the total number of offers reaching the offer total number threshold may be that the total number of offers reaches the offer order threshold and/or that the total amount of offers reaches the offer amount threshold.
According to the scheme, whether the activities meet the preferential conditions is judged according to whether the total number of the preferential conditions meets the preferential total number threshold and/or whether the current date exceeds the preferential validity period, so that the termination of the target activities can be flexibly adjusted according to actual conditions, the timely termination of the activities after the expected effect is achieved can be ensured, and the cost of manual management activities is reduced.
Referring to fig. 8, fig. 8 is a flowchart illustrating a sixth exemplary embodiment of the digital rmb transportation payment method of the present application. Based on the embodiment shown in fig. 2 and 3, step S230, when the target activity meets the preset preferential condition, preferential is performed on the amount of the payment request according to the target activity, and before the preferential amount is obtained, the method further includes:
step S810, responding to the activity modification instruction to obtain a modified activity parameter;
specifically, referring to fig. 7, when the digital rmb traffic payment system responds Yu Laidi to an activity modification instruction of the three-party operation system, the target activity may be modified accordingly according to the activity modification instruction. Modifying the activity parameters may include time changes to the activity, rewards rule adjustment, participation condition modification, and the like.
Step S820, combining the modified activity parameter and the target activity parameter to obtain a combined activity parameter to detect whether the target activity comprises at least two preferential types;
specifically, the digital RMB traffic payment system can combine the modified activity parameters and the target activity parameters to obtain a combined activity parameter, compare the combined activity parameter with the initial target activity parameter, and detect whether the preferential rule, the rewarding type, the participation condition and the like of the activity are modified, so as to determine whether at least two different preferential types exist.
Illustratively, the offer types may include, but are not limited to, vertical subtraction: the amount of the offer directly from the order (single highest offer = offer amount); discount(s): discount offers for order enjoyment; and (3) reducing to: the amount to be paid after the order is subtracted.
Step S830, if the target activity includes at least two offer types, adjusting an order price interval of the target activity, and determining that the target activity meets the offer condition.
Specifically, if the system detects that the target campaign includes at least two different offer types, the order price interval covered by these offer types may be adjusted, and the interval range of the order price may be redetermined according to different offer types, offer amounts, discount proportions, etc.
For example, if the original target campaign included both discount and discount types, the system may recalculate the order price intervals for both discount types to ensure that each discount type is effective within the appropriate price interval and determine that the target campaign satisfies the discount conditions.
According to the scheme, the modification activity parameters are obtained specifically by responding to the activity modification instruction, the corresponding preference intervals of at least two preference types are detected and adjusted by combining with the original target activity parameters, and the fact that the target activity does not meet the preference conditions is determined, so that flexible adjustment of activity configuration and dynamic change of the preference rules can be effectively achieved.
Referring to fig. 9, fig. 9 is a flowchart illustrating a seventh exemplary embodiment of the digital rmb transportation payment method of the present application. Based on the embodiment shown in fig. 2, step S320, before generating the target activity of the third party operation system according to the target activity parameter based on the configuration template, further includes:
step S910, acquiring an active data set;
it should be noted that the seventh embodiment may be combined with the sixth embodiment to form a complete solution.
In particular, activity-related data is collected from different sources (e.g., databases, log files, user inputs, etc.). In the event data set, detailed information of various events, such as event names, time, participants, preference rules, rewards mode, etc., are included. The system will extract this information from the activity dataset and classify and generalize the activities according to specific rules and algorithms to determine different types of sample activities.
For example, the activity dataset may include different types of activity data for a stand-off activity, a discount activity, and a down-to-activity, which the system may categorize as a stand-off sample activity, a discount sample activity, and a down-to-sample activity, respectively, based on characteristics of the activity.
Step S920, extracting information from the activity data set to determine a plurality of types of sample activities;
in particular, the system may analyze and process the collected activity data set to extract important information about the activity therefrom. Information extraction may be performed using techniques such as data mining, analysis algorithms, etc., to determine different activity types.
Step S930, performing field configuration on the plurality of types of sample activities, respectively, to generate the configuration template.
Specifically, for each determined sample activity type, the system will field configure the data for each activity type.
Illustratively, the configuration template includes at least one field: activity ID: an index or primary key uniquely identifying the activity; an activity name; active merchants: merchant information to participate in the activity; number of offered strokes: the total number of orders actually discounted; total number of strokes: the total number of orders involved in the campaign; total amount of activity: total amount involved in the activity; activity start-stop time: start and end times of the activity; active state: a state of activity; creator and creation time: creator and creation time of the campaign; activity rules; types of offers. The active state may be one of the following six states, in draft: newly creating an activity temporary storage state or changing back to a draft state after checking is not passed; in the auditing: submitting the new activity to the audit or submitting the audit after modification, and changing the new activity to an audit state; in effect: after the audit is passed or the activity restarted from the paused state is changed to an in-effect state; has ended: the activity exceeds the validity period, or the preferential total reaches the peak value, and the state is changed into the ended state; has been suspended: after the active activity is suspended, it becomes suspended.
According to the scheme, the activity type is determined by extracting the information from the activity data set, then the field configuration is carried out according to the activity type, and the configuration template is generated, so that when the operation banks newly increase the preferential activities, the development workload of the card company and the operation banks can be reduced, the efficiency of activity creation and management is improved, and meanwhile, the consistency and the accuracy of configuration can be ensured.
In addition, the embodiment of the application also provides a digital RMB traffic payment device, which comprises:
the determining module is used for responding to the payment request of the digital RMB traffic card and determining a third-party operation system corresponding to the digital RMB traffic card;
the matching module is used for matching the target activities of the corresponding types according to the identification of the third-party operation system, wherein the target activities are generated based on a preset configuration template;
and the preferential module is used for preferential treatment of the amount of the payment request according to the target activity when the target activity meets the preset preferential condition, so as to obtain the preferential amount.
The present embodiment realizes the principle and implementation process of the digital rmb transportation payment, please refer to the above embodiments, and the description thereof is omitted herein.
In addition, the embodiment of the application also provides a terminal device, which comprises a memory, a processor and a digital RMB traffic payment program stored on the memory and capable of running on the processor, wherein the digital RMB traffic payment program realizes the steps of the digital RMB traffic payment method when being executed by the processor.
Because all the technical schemes of all the embodiments are adopted when the digital RMB traffic payment program is executed by the processor, the digital RMB traffic payment program has at least all the beneficial effects brought by all the technical schemes of all the embodiments and is not described in detail herein.
In addition, the embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium is stored with a digital RMB traffic payment program, and the digital RMB traffic payment program realizes the steps of the digital RMB traffic payment method when being executed by a processor.
Because all the technical schemes of all the embodiments are adopted when the digital RMB traffic payment program is executed by the processor, the digital RMB traffic payment program has at least all the beneficial effects brought by all the technical schemes of all the embodiments and is not described in detail herein.
Compared with the prior art, the digital RMB traffic payment method, the device, the terminal equipment and the storage medium provided by the embodiment of the application determine the third party operation system corresponding to the digital RMB traffic card by responding to the payment request of the digital RMB traffic card; matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template; and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained. Based on the scheme of the application, the third party operation system corresponding to the digital RMB traffic card is determined through the digital RMB traffic payment system to match the corresponding target activity type, and the payment amount is reduced when the conditions are met, so that the digital RMB traffic payment system can adapt to different types of reduced activities, the technical problem of high management cost of the digital RMB traffic payment reduced activities between the digital RMB traffic payment system and an operation bank can be effectively improved, and the secondary development of activities is avoided, which involves new codes and functions.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. 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 system that comprises the element.
The foregoing embodiment numbers of the present application are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, a controlled terminal, or a network device, etc.) to perform the method of each embodiment of the present application.
The foregoing description is only of the preferred embodiments of the present application, and is not intended to limit the scope of the application, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (10)
1. The digital RMB traffic payment method is characterized by comprising the following steps of:
responding to a payment request of a digital RMB traffic card, and determining a third party operation system corresponding to the digital RMB traffic card;
matching a target activity of a corresponding type according to the identification of the third-party operation system, wherein the target activity is generated based on a preset configuration template;
and when the target activity meets preset preferential conditions, preferential treatment is carried out on the amount of the payment request according to the target activity, and the preferential amount is obtained.
2. The method for digital rmb traffic payment as claimed in claim 1, wherein before the step of matching the corresponding type of target activity according to the identification of the third party operation system, the method further comprises:
Receiving target activity parameters sent by the third-party operation system;
and generating target activities of the third-party operation system according to the target activity parameters based on the configuration template.
3. The digital rmb traffic payment method as claimed in claim 2, wherein the step of generating the target activity of the third party's operation system based on the configuration template according to the target activity parameter includes:
filling information into the configuration template according to the target activity parameters to obtain an activity configuration file;
and reading the activity configuration file through a preset program to obtain the target activity.
4. The digital rmb traffic payment method as claimed in claim 2, wherein before the step of generating the target activity of the third party's operation system based on the configuration template and the target activity parameter, the method further includes:
acquiring an activity data set;
extracting information from the activity data set, and determining a plurality of types of sample activities;
and respectively carrying out field configuration on the sample activities of the plurality of types to generate the configuration template.
5. The digital rmb traffic payment method as claimed in claim 2, further comprising, after the step of receiving the target activity parameter transmitted from the third party operating system:
Extracting a target time period in the target activity parameters, and detecting whether other activities exist in the target time period;
and if the other activities do not exist in the target time period, executing the preset configuration template, and generating target activities of the third-party operation system and the following steps according to the target activity parameters.
6. The method for digital rmb traffic payment as set forth in claim 1, wherein the step of giving an offer to the amount of the payment request according to the target campaign when the target campaign satisfies a preset offer condition, further includes, before the step of obtaining the offered amount:
acquiring the preferential total number and the current date of the target activity;
detecting whether the offered total number reaches a preset offered total number threshold value and/or whether the current date exceeds a preset offered validity period;
and if the offered total number reaches the offered total number threshold value and/or the current date exceeds the offered validity period, determining that the target activity does not meet the offered condition.
7. The method for digital rmb traffic payment as claimed in claim 2, wherein the step of giving an offer to the amount of the payment request according to the target campaign when the target campaign satisfies a preset offer condition, further comprises, before the step of obtaining the offered amount:
Responding to the activity modification instruction to obtain a modified activity parameter;
combining the modified activity parameters and the target activity parameters to obtain combined activity parameters to detect whether the target activity comprises at least two preferential types;
and if the target activity comprises at least two preferential types, adjusting an order price interval of the target activity, and determining that the target activity meets the preferential conditions.
8. A digital rmb traffic payment device, characterized in that the digital rmb traffic payment device includes:
the determining module is used for responding to the payment request of the digital RMB traffic card and determining a third-party operation system corresponding to the digital RMB traffic card;
the matching module is used for matching the target activities of the corresponding types according to the identification of the third-party operation system, wherein the target activities are generated based on a preset configuration template;
and the preferential module is used for preferential treatment of the amount of the payment request according to the target activity when the target activity meets the preset preferential condition, so as to obtain the preferential amount.
9. A terminal device comprising a memory, a processor and a digital rmb traffic payment program stored on the memory and operable on the processor, the digital rmb traffic payment program when executed by the processor implementing the steps of the digital rmb traffic payment method of any of claims 1-7.
10. A computer readable storage medium, wherein a digital rmb traffic payment program is stored on the computer readable storage medium, which when executed by a processor, implements the steps of the digital rmb traffic payment method of any of claims 1-7.
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