CN117522308A

CN117522308A - Project processing method and device, insurance project processing method and device

Info

Publication number: CN117522308A
Application number: CN202311460225.0A
Authority: CN
Inventors: 赵志胜
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-02-22
Filing date: 2021-02-22
Publication date: 2024-02-06
Also published as: CN112785283B; CN112785283A

Abstract

The embodiment of the specification provides a project processing method and device, and an insurance project processing method and device, wherein the project processing method comprises the following steps: determining a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page; detecting whether available resources of the user meet participation conditions of the project in the project participation type or not; if yes, performing mortgage processing and project admittance processing based on the project participation type and the available resources; acquiring a project instruction submitted by the user under the condition that the project participation time of the user exceeds a pre-project period is detected; and if the project instruction is an exit instruction, performing clear processing on the user based on a clear-back mode corresponding to the exit instruction.

Description

Project processing method and device, insurance project processing method and device

The application is a divisional application of China patent application with the application number 202110197705.7, the invention name of 'project processing method and device, insurance project processing method and device' filed on 22 days 2021 and 02.

Technical Field

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

Background

With the continuous development and popularization of the internet, the mode of providing online services based on the internet is gradually applied to various service fields, for example, the application and the claim settlement of insurance services are gradually realized online, and conventional services such as sale, after-sale, claim settlement and the like of insurance can be conveniently operated online.

Disclosure of Invention

One or more embodiments of the present specification provide a method of item processing. The item processing method comprises the following steps: and determining the item participation type corresponding to the participation type control according to the participation type control triggered by the user on the item page. Detecting whether available resources of the user meet participation conditions of the project in the project participation type or not; if yes, mortgage processing and project admittance processing are carried out based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds the pre-project period is detected, acquiring a project instruction submitted by the user. And if the project instruction is an exit instruction, performing clear processing on the user based on a clear-back mode corresponding to the exit instruction.

One or more embodiments of the present specification provide an insurance item processing method, including: the first period of the insurance type selected in the insurance page of the insurance item by the user is obtained. Detecting whether credit resources of the user meet the guarantee conditions of the first-period guarantee type; and if so, carrying out credit mortgage processing and application payment based on the first-period application type and the credit resource. And under the condition that the guarantee-in time of the user exceeds the first-period insurance period, acquiring a user instruction submitted by the user. And if the user instruction is a refund instruction, performing refund processing on the user based on a refund mode corresponding to the refund instruction.

One or more embodiments of the present specification provide an item processing apparatus including: the project participation type determining module is configured to determine the project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page. And the participation condition detection module is configured to detect whether available resources of the user meet the participation condition of the project in the project participation type. If yes, the project admittance processing module and the project instruction acquisition module are operated. The project admission processing module is configured to perform mortgage processing and project admission processing based on the project participation type and the available resources. The project instruction acquisition module is configured to acquire the project instruction submitted by the user under the condition that the project participation time of the user is detected to exceed the front project period. And the clear processing module is configured to clear the user based on a clear mode corresponding to the exit instruction if the project instruction is the exit instruction.

One or more embodiments of the present specification provide an insurance item processing apparatus including: and the first-period insuring type acquisition module is configured to acquire the first-period insuring type selected by the user in the insuring page of the insuring item. An application condition detection module configured to detect whether the credit resource of the user satisfies the application condition of the first-period application type. And if yes, running a credit mortgage payment module and a user instruction acquisition module. The credit mortgage payment module is configured to conduct credit mortgage processing and application payment based on the first-period application type and the credit resource. The user instruction acquisition module is configured to acquire a user instruction submitted by the user under the condition that the guarantee-in time of the user exceeds the first insurance period. And the refund processing module is configured to, if the user instruction is a refund instruction, perform refund processing on the user based on a refund mode corresponding to the refund instruction.

One or more embodiments of the present specification provide an item processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and determining the item participation type corresponding to the participation type control according to the participation type control triggered by the user on the item page. Detecting whether available resources of the user meet participation conditions of the project in the project participation type or not; if yes, mortgage processing and project admittance processing are carried out based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds the pre-project period is detected, acquiring a project instruction submitted by the user. And if the project instruction is an exit instruction, performing clear processing on the user based on a clear-back mode corresponding to the exit instruction.

One or more embodiments of the present specification provide an insurance item processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: the first period of the insurance type selected in the insurance page of the insurance item by the user is obtained. Detecting whether credit resources of the user meet the guarantee conditions of the first-period guarantee type; and if so, carrying out credit mortgage processing and application payment based on the first-period application type and the credit resource. And under the condition that the guarantee-in time of the user exceeds the first-period insurance period, acquiring a user instruction submitted by the user. And if the user instruction is a refund instruction, performing refund processing on the user based on a refund mode corresponding to the refund instruction.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and determining the item participation type corresponding to the participation type control according to the participation type control triggered by the user on the item page. Detecting whether available resources of the user meet participation conditions of the project in the project participation type or not; if yes, mortgage processing and project admittance processing are carried out based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds the pre-project period is detected, acquiring a project instruction submitted by the user. And if the project instruction is an exit instruction, performing clear processing on the user based on a clear-back mode corresponding to the exit instruction.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: the first period of the insurance type selected in the insurance page of the insurance item by the user is obtained. Detecting whether credit resources of the user meet the guarantee conditions of the first-period guarantee type; and if so, carrying out credit mortgage processing and application payment based on the first-period application type and the credit resource. And under the condition that the guarantee-in time of the user exceeds the first-period insurance period, acquiring a user instruction submitted by the user. And if the user instruction is a refund instruction, performing refund processing on the user based on a refund mode corresponding to the refund instruction.

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 process flow diagram of a method of item processing provided in one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of an item processing method for a secured item scenario provided by one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of an item processing method for application to an item trial scenario provided in one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of an insurance item processing method provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of an item processing apparatus according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of an insurance item processing apparatus provided in one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of an item processing apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of an insurance item processing apparatus 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.

The embodiment of the project processing method provided in the specification comprises the following steps:

referring to fig. 1, a processing flow chart of an item processing method provided in this embodiment is shown, referring to fig. 2, a processing flow chart of an item processing method applied to a security item scene provided in this embodiment is shown, and referring to fig. 3, a processing flow chart of an item processing method applied to a trial item scene provided in this embodiment is shown.

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

Step S102, according to a participation type control triggered by a user on a project page, determining a project participation type corresponding to the participation type control.

According to the project processing method, in the process of participating in the project, in order to enable the user to actually perceive details and experience of project participation, credit of project participation required to be mortgaged is determined according to the selected project participation type of the user, credit mortgages are used as participation conditions of a front project period of the user participation project, so that the user can participate in and experience the project based on the credit mortgages, and meanwhile, under the condition that the front project period is ended, the user can choose to continue project participation or withdraw from project participation, so that the user can actually perceive participation experience of the project through the participation process of the front project period, low-cost project participation experience is provided for the user, more resource loss is required to be born after the user participation in the project is avoided, more economic project service experience is provided for the user, and the project participation enthusiasm of the user is improved.

The items in this embodiment include health care items, such as heavy illness risk, hospitalization risk, accident risk, specific illness risk, etc., and the guarantee items may also be fund items, public benefit items, vehicle insurance, etc. for providing other services for the user, which is not limited.

The project is configured with two project participation types: a first item participation type (credit participation type) and a second participation type (low-fee participation type), wherein the item participation types refer to participation modes selected by a user in the process of participating in the item, different item participation types are selected, and resources paid out by the user in the process of participating in the item are different. Wherein the first item participation type (credit participation type) refers to participation of the item with credit of a user as a guarantee, so that an advanced trial experience of the item is performed; the second item participation type (low-fee participation type) refers to that, on one hand, the credit of the user is used as a guarantee to participate in the item, and on the other hand, a certain fee is paid in the process of participating in the item, so that the advanced experience of the item is performed.

The project page of the project is configured with a first participation type control and a second participation type control, the first participation type control corresponds to the first project participation type, if the user triggers the first participation type control, the user is indicated to select to participate in the project according to the first project participation type, namely: selecting a credit mortgage mode to participate in the project; the second participation type control corresponds to the second item participation type, and if the user triggers the second participation type control, the user is indicated to select to participate in the item according to the second item participation type, namely: the credit mortgage is selected to participate in the project in conjunction with the payment of the fee.

In addition, a plurality of project participation types can be set from the resource types of the available resources, for example, the resource types are 3: the credit resource, the electronic money resource and the virtual resource can be set, and the project participation type of participating in the project based on the credit resource, the project participation type of participating in the project based on the electronic money resource, the project participation type of participating in the project based on the virtual resource and/or the project participation type of participating in the project based on any two or three of the credit resource, the electronic money resource and the virtual resource can be set.

Based on this, in the implementation process, according to the participation type control triggered by the user on the project page, determining the project participation type corresponding to the participation type control, specifically, if the user triggers the first participation type control, determining the project participation type corresponding to the first participation type control as the first project participation type, indicating that the user selects to participate in the project according to the mode of the first project participation type, namely: selecting a credit mortgage mode to participate in the project; the second participation type control corresponds to the second item participation type, if the user triggers the second participation type control, the item participation type corresponding to the second participation type control is determined to be the second item participation type, and the user is indicated to select to participate in the item according to the mode of the second item participation type, namely: the credit mortgage is selected to participate in the project in conjunction with the payment of the fee.

Step S104, detecting whether available resources of the user meet participation conditions of the project in the project participation type.

The available resources in this embodiment include credit resources and electronic money resources. The participation condition of the item participation type refers to a condition that a user needs to meet when selecting the item participation type to participate in the item, and the user meeting the participation condition is allowed to join the item to enjoy the service provided by the item. For example, if the user chooses to participate in the item according to the first item type, the user's credit must meet the corresponding credit criteria.

Optionally, the participation condition of the item participation type includes: the resource grade corresponding to the available resources is greater than or equal to the resource admission grade of the item participation type. For example, if the user selects a credit participation type and joins the guarantee item in a credit mortgage mode, the credit rating of the user needs to meet the participation condition of the credit participation type, namely, the credit rating needs to be higher than the credit rating threshold required by the credit participation type, so that the user with low credit is prevented from joining the guarantee item in a credit mortgage mode repeatedly.

In practical application, in the process of selecting the item participation type of participating in the item, a user does not always know clearly whether the user meets participation conditions of the selected item participation type, so that detection needs to be performed after the user selects the item participation type, whether available resources of the user meet participation conditions of the item in the item participation type is detected, so as to determine whether the user meets participation conditions of the selected item participation type, and in an optional implementation manner provided by the embodiment, in the process of detecting whether the available resources of the user meet participation conditions of the item in the item participation type, an optional participation type set distributed to the user is determined based on the available resources; and further detecting whether the item engagement type is an optional engagement type contained in the set of optional engagement types; if yes, indicating that the user meets the participation condition of the selected item participation type, executing the following step S106;

If not, the user is indicated to not meet the participation condition of the selected item participation type, a reminder that the participation condition is not met is sent to the user, or a selection reminder for selecting the selectable participation type contained in the selectable participation type set is sent to the user.

Wherein the selectable participation type set refers to a set composed of one or more selectable participation types; the optional participation types are detection of participation conditions of each item participation type for the user in advance according to user data such as credit of the user, and the detected item participation type is used as the optional participation type distributed to the user.

And step S106, performing mortgage processing and project admittance processing based on the project participation type and the available resources.

As described above, the item participation types include the first item participation type (credit participation type) and the second participation type (low-fee participation type), and the available resources include the credit resources and the electronic money resources, and the following detailed description is given respectively to specific procedures of participation in the item under the two item participation types.

(1) First item participation type (Credit participation type)

Under the first project participation type, mortgage processing and project admittance processing are performed based on the project participation type and the available resources, specifically, credit mortgage processing and project admittance processing are performed based on the first project participation type and credit resources contained in the available resources, and the specific implementation is as follows:

determining the credit resource as the available resource based on the first item participation type;

and performing credit mortgage processing based on the credit resource, and performing project admittance processing on the user based on the identity information to obtain project participation details of the user.

In the process, in order to embody the process individuation and experience individuation of users with different credit levels in the process of participating in the project, the users are urged to maintain good credit, and optionally, the credit mortgage amount processed by the credit mortgage is determined according to the resource amount of credit resources of the users; for example, for users with higher credit ratings, the credit mortgage amount required when participating in the security item is lower; conversely, for users with lower credit ratings, the amount of credit mortgage required when participating in the security project is higher.

It should be noted that, after the credit mortgage processing is performed on the credit resources included in the available resources in this embodiment, the authorization status of the mortgage credit resources is updated to the authorized status, and the mortgage authorization status of the credit resources in the authorized status is frozen, that is: the mortgage credit resources can not be used in the credit mortgage processing process, in other words, the credit resources contained in the available resources can only be subjected to one credit mortgage processing, and the credit mortgage can not be repeatedly performed, so that a large number of users can not participate in the project in a credit mortgage manner for an unlimited number of times, and the rights and interests of a project operator or a project service provider are ensured. For example, if the credit rating of the user is 800 points, and the credit resource part of the participating guarantee project requiring mortgages is 200 points, the authorized state of the mortgage 200 points is updated to the authorized state, and the credit resource part cannot be used for performing credit mortgages any more, and the remaining 600 points can be used for credit mortgage processing continuously.

(2) Second item participation type (Low fee participation type)

Under the second project participation type, performing mortgage processing and project admittance processing based on the project participation type and the available resources, specifically performing credit mortgage processing based on the second project participation type and credit resources contained in the available resources, and performing project admittance processing based on electronic money resources contained in the available resources, wherein the specific implementation is as follows:

Determining the credit resource and the electronic money resource as the available resources based on the second item participation type;

carrying out payment processing of the front project period based on the electronic money resource and credit mortgage processing based on the credit resource;

and carrying out item admittance processing based on the identity information of the user, and obtaining item participation details of the user after the processing is successful.

In this process, in order to embody the difference of users with different credit levels in the process of participating in the project, so as to urge the users to maintain good credit, optionally, the credit mortgage amount of the credit mortgage processing is determined according to the resource amount of the credit resource of the users; for example, for users with higher credit ratings, the credit mortgage amount required when participating in the security item is lower; conversely, for users with lower credit ratings, the amount of credit mortgage required when participating in the security project is higher.

Meanwhile, the payment amount of the payment processing is obtained through calculation according to the credit mortgage amount and the preposed period cost of the preposed project period; the pre-project period refers to a trial period or an experience period of the project, and specifically, the pre-project period may be a first project period of the project, or a project period formed by the first project period and one or more subsequent continuous project periods. The pre-term and post-term expense refers to expense required to be paid by a user for participating in the project and performing experience of a pre-term period of the project, namely, the expense required to be paid by the user for the pre-term period after credit mortgage processing is performed on the pre-term period.

Specifically, the payment amount is equal to a difference between the charge amount of the front period charge and the credit mortgage amount. For example, if the user selects a participation mode of a low-fee participation type to participate in the guarantee item, the fee amount of the front-end period fee of the front-end item period of the guarantee item is 200, and the credit mortgage amount of the user is 150 according to the credit rating of the user, the user needs to pay the front-end period fee of 200-150=50 yuan for the guarantee item additionally, and then the user can join the guarantee item to perform the experience of the front-end item period.

In addition, the payment amount may be determined according to the credit rating of the user, and then the credit mortgage amount may be calculated based on the payment amount and the pre-period fee, for example, a difference between the payment amount and the pre-period fee may be used as the credit mortgage amount for performing the credit mortgage processing.

Step S108, under the condition that the project participation time of the user exceeds the period of the front project, acquiring a project instruction submitted by the user.

In practical application, after a user pays corresponding fees and successfully joins a guarantee project, if the user does not expect to exit the guarantee project because the experience of the guarantee project does not reach the expected desire, refund cannot be obtained for the part which does not reach the guarantee period, especially for the long-term guarantee project with a longer guarantee period, the cost born by the user exiting the guarantee project is serious.

Specifically, whether the project participation time of the user exceeds a pre-project period is detected, if the project participation time of the user exceeds the pre-project period, a project instruction submitted by the user for the project is obtained, if the project instruction submitted by the user for the project is an exit instruction, the following step S110 is executed, and clear and return processing is performed on the user;

If the submitted project instruction is a renewal instruction or a renewal instruction, the user is indicated to continue to participate in the project, and for this purpose, in order to enable the user to obtain more convenient project renewal operation experience, in an optional implementation manner provided in this embodiment, if the project instruction is the renewal instruction, the mortgage state of the first available resource that is mortgage after the mortgage processing is released, and renewal processing is performed based on project participation details obtained after the project admittance processing. The project participation details record the related information of the user participating in the project, the project information of the project and the identity information of the user. Such as project participation details of the user participating in the security project, including generating a security detail list or a security order after the user participates in the security project. And carrying out corresponding project participation fee payment according to the project participation fee recorded in the project participation details aiming at the renewal processing of the project.

Step S110, if the item instruction is an exit instruction, performing clear processing on the user based on a clear-to-back mode corresponding to the exit instruction.

In order to further improve user experience of users in the process of participating trial or joining experience in a pre-project period of the project, and simultaneously reduce resource loss generated by the user exiting the project, and also promote importance degree of credit, prompt the user to perform credit performance better, the embodiment provides two types of deconvolution and withdrawal modes: a first clear mode and a second clear mode; wherein the first clear-back mode refers to a mode in which the user can exit the item based on credit, i.e., a credit escrow clear-back mode, and the second clear-back mode refers to a mode in which the user can exit the item based on both credit and clear-back cost, i.e., a low-rate escrow clear-back mode.

The project instruction is submitted by a user through a second project page of the project, the second project page is configured with a first clearing control and a second clearing control, the first clearing control corresponds to the first clearing mode, and if the user triggers the first clearing control, the user is indicated to select to exit the project in the first clearing mode, namely: selecting a mode to exit from the item by betting credits; the second fallback control corresponds to the second fallback mode, and if the user triggers the second fallback control, the user is indicated to select to exit the item in the second fallback mode, namely: a mode of payment by the escrow credit in combination with the fee is selected to exit from the item.

It should be noted that, the clearing and retirement mode has an item matching relationship with the item participation type, specifically, if the user selects to participate in the item according to the first item participation type (credit participation type), the user selects to retire the item in the first clearing and retirement mode (credit clearing and retirement mode) or in the second clearing and retirement mode (low-rate clearing and retirement mode) in the process of selecting to retire the item after the period of the pre-arranged item expires; however, if the user chooses to participate in the item according to the second item participation type (low-fee participation type), the user can choose to withdraw the item in the second clear-back mode (low-fee clear-back mode) and cannot choose to withdraw the item in the first clear-back mode (credit clear-back mode) in the process of choosing to withdraw the item after the pre-item period expires;

In other words, the second clear back mode (low-rate defragmentation clear back mode) has an item matching relationship with both the first item participation type (credit participation type) and the second item participation type (low-rate participation type); the first clear back mode (credit escrow clear back mode) has an item matching relationship with only the first item participation type (credit participation type) and does not have an item matching relationship with the second item participation type (low-cost participation type).

The following is a detailed description of the specific process of the clear and reverse processing in the two clear and reverse modes.

(1) First clear back mode (credit clear back mode)

When a user selects to exit the project after the period of the pre-project of the project expires, based on the clear-back mode of the deposit corresponding to the exit instruction, in the process of clear-back processing of the user, if the clear-back mode selected by the user is a first clear-back mode (credit clear-back mode), the clear-back processing process is specifically implemented in the following manner:

releasing the mortgage state of the mortgage-processed first available resource;

and removing the user from the member list of the item, and updating the qualification use state of the front participation qualification of the user.

Wherein the pre-participation qualification refers to the participation qualification of the user in the project, in this embodiment, if the user selects to exit the project in the first clear mode, the user loses the participation qualification of participating in the project again, namely: the qualification use state of the pre-participation qualification of the user is updated to a frozen state or an invalid state;

in addition, the pre-participation qualification may also be participation qualification of all the configured pre-project periods in a credit mortgage mode, if the user selects to exit any project in the first clearing mode, the user loses participation qualification of all the projects, namely: the qualification use state of the user's pre-participation qualification is updated to a frozen state or an invalid state. Or associating the qualification use state of the pre-participation qualification with the resource limit of the credit resource of the user, and if the authorization state of the credit resource of the user is updated to be the authorized state, updating the qualification use state of the pre-participation qualification to be a frozen state or an invalid state; if the authorized status of the credit resources of the user is not updated to the authorized status, the qualification use status of the pre-qualification is updated to a valid status or an available status.

As described above, the clearing and reversing mode and the item participation type have an item matching relationship, which on one hand represents an intrinsic data connection at the item level, and the item matching relationship between the two is to promote user experience, avoid that a user cannot exit or other situations affecting user experience are caused by the confusion of the relationship between the item participation type selected by the user and the clearing and reversing mode, and on the other hand, also ensure the rights of an item operator or an item service provider, avoid that a large number of users participate in a credit mortgage manner for unlimited times and exit the item, and in an alternative implementation provided in this embodiment, before the mortgage state of a first available resource mortgage is released after the mortgage processing, detect whether the first clearing and reversing mode is matched with the item participation type selected by the user; if yes, executing the mortgage state process of the mortgage-released first available resource; if not, sending a clear mode switching prompt to the user.

(2) Second clear mode (Low-Fidelity clear mode)

When the user selects to exit the project after the period of the pre-project of the project expires, based on the clear-back mode of the solutions corresponding to the exit instruction, in the process of clear-back processing for the user, if the clear-back mode selected by the user is the second clear-back mode (low-cost clear-back mode), the clear-back processing process is specifically implemented in the following manner:

Releasing the mortgage state of the mortgage-processed first available resource, and deducting the clearance expense corresponding to the second clearance mode from the user account of the user;

In this embodiment, if the user selects to exit the item in the second clear mode, the user still retains the participation qualification of participating in the item again, that is: the qualification use state of the user's pre-participation qualification is updated to a valid state or an available state. In addition, the qualification use state of the pre-participation qualification may be associated with a resource amount of the credit resource of the user, and if the authorization state of the credit resource of the user is updated to be the authorized state, the qualification use state of the pre-participation qualification is updated to be a frozen state or an invalid state; if the authorized status of the credit resources of the user is not updated to the authorized status, the qualification use status of the pre-qualification is updated to a valid status or an available status.

In practical application, taking a guarantee project as an example, a corresponding guarantee waiting period is often configured, wherein the guarantee waiting period refers to that in a specified period after the guarantee of the guarantee project takes effect, even if a to-be-guaranteed event occurs, a user cannot obtain guarantee compensation, and the guarantee waiting period is generally 3 months or half years for a long-term guarantee project, under the condition, if the user is assumed to participate in the guarantee project in a credit mortgage mode, if the duration of a lead project period of the user participation trial or joining experience is shorter than that of the guarantee waiting period, the user cannot apply for a claim in the lead project period, and the participation trial or joining experience of the user is meaningless, and for this reason, the guarantee project in the embodiment is optionally configured with a guarantee waiting period of applying for a guarantee, and the guarantee claim cannot be applied in the guarantee waiting period; and the duration of the guarantee waiting period of the project is shorter than the duration of the period of the front project, and the guarantee waiting period is determined according to the resource limit of the available resources. For example, the credit rating of the user is inversely related to the duration of the pre-project period, and the higher the credit rating, the shorter the pre-project period; conversely, the lower the credit rating, the longer the preamble period for the user.

In the specific implementation, in order to further urge the user to better perform credit performance, maintain and perfect the credit system of the user, and simultaneously ensure that the user can enjoy the corresponding guarantee rights after participating in the guarantee project, in an optional implementation provided in this embodiment, under the condition that the guarantee application request submitted by the user is obtained, the user is subjected to claim settlement pre-payment processing; and the claim amount of the claim pre-payment processing is obtained by calculating according to the pre-payment coefficient determined by the available resources and the guarantee amount of the guarantee item.

Further, from the perspective of the project operator or the project service provider of the security project, in order to avoid that the user proposes a false security application and also to reduce the occurrence probability of the situation of cheating in the security claim, in an alternative implementation manner provided in this embodiment, the claim pre-payment processing is audited; if the auditing result is that the objection exists, withdrawing the claim settlement pre-payment processing; if the auditing result is unobjectionable, the auditing result is not processed.

The following describes the method for processing an item provided in this embodiment, referring to fig. 2, by taking an application of the method for processing an item provided in this embodiment to a fund distribution scenario as an example, and specifically includes steps S202 to S216.

Step S202, according to a first control triggered by a user on a project page of a project, determining a first project participation type corresponding to the first control.

Step S204, determining the optional participation type set allocated to the user based on the credit resource of the user.

Step S206, detecting whether the first item participation type is an optional participation type contained in an optional participation type set;

if yes, the following step S208 is executed;

if not, a selection reminder is sent to the user to select the optional participation type contained in the optional participation type set.

And step S208, performing credit mortgage processing based on the credit resource, and performing project admittance processing on the user based on the identity information to obtain the guarantee project participation details of the user.

Step S210, under the condition that the project participation time of the user exceeds the pre-project period, acquiring a project instruction submitted by the user.

Step S212, if the project instruction is an exit instruction, detecting whether the first clear mode is matched with the project participation type selected by the user;

if yes, go to step S214 to step S216;

if not, a clear mode switching prompt is sent to the user.

Step S214, releasing the mortgage state of the mortgage-processed credit resource.

Step S216, the user is removed from the guarantee member list of the guarantee item, and the qualification use state of the front participation qualification of the user is updated.

The following further describes the method for processing an item provided in this embodiment, referring to fig. 3, by taking an application of the method for processing an item provided in this embodiment to a scenario for trial of an item as an example, and specifically includes steps S302 to S316.

Step S302, determining a second item trial type corresponding to a second trial type control according to the second trial type control triggered by the user on the item page of the item.

Step S304, detecting whether the credit rating of the user is higher than the credit admittance rating of the second item trial type;

if yes, go to step S306;

if not, a reminder is sent to the user that the credit admittance level is not met.

And step S306, determining credit resources and electronic money resources as available resources based on the second item trial type.

Step S308, the payment processing of the project trial period of the project is performed based on the electronic money resource, and the credit mortgage processing is performed based on the credit resource.

And step S310, carrying out item admittance processing based on the identity information of the user, and obtaining item trial details of the user after the processing is successful.

Step S312, under the condition that the trial time of the user exceeds the project trial period, acquiring a project instruction submitted by the user.

Step S314, if the project instruction is the trial exit instruction, releasing the mortgage state of the mortgage-pressed credit resource after the credit mortgage processing, and deducting the clearing expense corresponding to the second clearing mode from the user account of the user.

Step S316, the user is removed from the trial member list of the item, and the qualification use state of the item trial qualification of the user is updated.

The embodiment of the insurance item processing method provided in the specification is as follows:

referring to fig. 4, a flowchart of an insurance item processing method provided in this embodiment is shown, and specifically includes steps S402 to S410.

Step S402, acquiring a first-period insurance type selected by a user in an insurance page of the insurance item.

According to the project processing method, in the process that a user participates in an insurance project, in order to enable the user to actually perceive the insurance details and experience, the credit of the mortgage required for insurance is determined according to the first-period insurance type selected by the user, the credit mortgage is used as the participation condition of the first-period insurance period of the user participating in the insurance project, so that the user can conduct insurance based on the credit mortgage and experience the insurance project, and meanwhile, under the condition that the first-period insurance period is over, the user can choose to continue the insurance project to participate in or exit the insurance project, so that the user can actually perceive the insurance experience of the insurance project through the participation process of the first-period insurance period, meanwhile, low-cost insurance experience is provided for the user, the situation that the user wants to exit after insurance is required to bear more resource loss is avoided, and therefore more economic project service experience is provided for the user, and the insurance enthusiasm of the user is improved.

The insurance item is configured with two first-period insurance types: the credit mortgage type and the first-period low-cost type are selected, the first-period type refers to a selected insurance mode in the user insurance process, different first-period types are selected, and resources paid out by the user in the insurance process are different. The credit mortgage insurance type refers to the use of the credit of the user as a guarantee to conduct insurance, so as to conduct the advanced experience of the insurance item; the first-period low-fee insuring type is to use the credit of the user as the guarantee to insuring, and to pay a certain fee in the insuring process to make the advance/front-end 'trial' experience of the insurance item.

The insurance project's application page is configured with a first application control and a second application control, the first application control corresponds to the credit mortgage application type, if the user triggers the first application control, the user is indicated to select to apply according to the credit mortgage application type; the second insuring control corresponds to the first low-fee insuring type, and if the user triggers the second insuring control, the user is indicated to select to insuring according to the first low-fee insuring type, namely: the credit mortgage is selected for the application in conjunction with the payment of the fee.

In addition, a plurality of first-period application types can be set according to the resource types of the available resources, for example, the resource types are 3: the credit resource, the electronic money resource and the virtual resource can be set as the first-period insuring type based on the credit resource, the first-period insuring type based on the electronic money resource, the first-period insuring type based on the virtual resource and/or the first-period insuring type based on any two or three of the credit resource, the electronic money resource and the virtual resource.

Based on the above, in the specific implementation process, according to the application control triggered according to the application page of the user protection item, determining the first-period application type corresponding to the application control, specifically, if the user triggers the first application control, determining that the first-period application type corresponding to the first application control is a credit mortgage application type, indicating that the user selects to apply according to the credit mortgage application type; if the user triggers the second insuring control, determining that the first insuring type corresponding to the second insuring control is the first low-cost insuring type, and indicating that the user selects to insuring according to the first low-cost insuring type.

Step S404, detecting whether the credit resource of the user meets the insuring condition of the first insuring type.

The first-period insuring type insuring condition refers to a condition that a user needs to meet when selecting the first-period insuring type to insuring, and the user meeting the insuring condition is allowed to join the insurance item to enjoy the insuring service provided by the insurance item. Such as the user selecting to make an application in accordance with the credit mortgage type of application, the user's credit must meet the corresponding credit criteria.

Optionally, the first-period insuring type insuring condition includes: the credit grade corresponding to the credit resource is larger than or equal to the credit admittance grade of the first-period insuring type. For example, if the user selects a credit mortgage type, and makes an application and joins an insurance item in a credit mortgage mode, the credit rating of the user needs to meet the application condition of the credit mortgage type, that is, the credit rating needs to be higher than the credit rating threshold required by the credit mortgage type.

In practical application, in the process of selecting the first-period insuring type, the user does not always know clearly whether the user meets the insuring condition of the first-period insuring type, so that detection is needed after the user selects the first-period insuring type to determine whether the user meets the insuring condition of the first-period insuring type, and in an optional implementation manner provided by the embodiment, in the process of detecting whether the available resource of the user meets the participation condition of the item in the item participation type, the distributed optional insuring type set is determined based on the credit resource; and further detecting whether the first-period application type is an optional application type contained in the set of optional application types; if yes, indicating that the user meets the application condition of the selected first-period application type, executing the following step S406;

If not, the user is indicated to not meet the application conditions of the selected first-period application type, a reminder that the application conditions are not met is sent to the user, or a selection reminder for selecting the selectable application type contained in the selectable application type set is sent to the user.

Wherein the set of selectable application types refers to a set of one or more selectable application types; the optional insuring type refers to that the insuring condition of each first insuring type is detected in advance for the user according to the user data such as the credit of the user, and the detected first insuring type is used as the optional insuring type distributed to the user.

And step S406, credit mortgage processing and application payment are carried out based on the initial application type and the credit resource.

As described above, the first-period insuring types include a credit mortgage insuring type and a first-period low-cost insuring type, and the following detailed description is given for the specific process of insuring under the two first-period insuring types, respectively.

(1) Credit mortgage type of application

Under the credit mortgage type, carrying out credit mortgage processing and insurance payment based on the initial insurance type and the credit resource, wherein the credit mortgage processing and insurance payment specifically comprise the following steps: performing credit mortgage processing based on the credit resources, and performing application processing on the user based on the identity information to obtain the policy details of the user; the amount paid for the application payment under the credit mortgage type is 0.

In the process, in order to embody the individuation processing and experience individuation of users with different credit levels in the process of insuring so as to prompt the users to maintain good credit, optionally, the credit mortgage line of credit mortgage processing is determined according to the resource line of credit resources of the users; such as a lower amount of credit mortgage required at the time of the application for a user with a higher credit rating; conversely, for users with lower credit ratings, the amount of credit mortgage required at the time of the application is higher.

It should be noted that, in the credit resources described in this embodiment, the authorization status of the mortgage credit resources that perform the credit mortgage processing is updated to the authorized status, and the credit resources in the authorized status cannot be used for credit mortgage authorization, that is: the mortgage credit resource can not be used in the credit mortgage processing process, in other words, each part of credit resource can only be subjected to credit mortgage processing once and can not be repeatedly subjected to credit mortgage, so that the aim of avoiding a large number of users from being applied in a credit mortgage mode for unlimited times is achieved, and the rights and interests of insurance item operators or insurance service providers are ensured.

(2) First low-cost insurance type

Under the first-period low-fee insuring type, credit mortgage processing and insuring payment are carried out based on the first-period insuring type and the credit resource, and the method specifically comprises the following steps: performing credit mortgage processing based on the credit resource, and performing insurance payment based on a payment account of the user; and carrying out application processing on the user based on the identity information to obtain the policy details of the user.

Meanwhile, the payment amount of the insurance payment is calculated and obtained according to the mortgage line and the insurance fee of the first period insurance period; the first period of insurance refers to a first guarantee period of the insurance item, or a trial period or experience period composed of one or more guarantee periods. Specifically, the payment amount of the insuring payment is equal to the difference between the insurance fee of the first period of insurance and the mortgage line.

Step S408, under the condition that the guarantee-in time of the user exceeds the first insurance period, acquiring a user instruction submitted by the user.

In practical application, after paying the premium and successfully joining in the insurance item, if the user does not expect to exit because the experience of the insurance item does not reach the expected value, refund cannot be obtained for the part which does not reach the guarantee period, especially for the long-term insurance item with a longer guarantee period, the investment loss born by the user exiting the insurance item is serious.

Specifically, whether the guarantee-in time of the user exceeds the first-period insurance period is detected, if the guarantee-in time of the user exceeds the first-period insurance period, a user instruction submitted by the user for the insurance item is obtained, and if the user instruction submitted by the user is a guarantee-return instruction, the following step S410 is executed to perform a guarantee-return process on the user;

if the user instruction submitted by the user is a renewal instruction, the user is indicated to continue to participate in the insurance item, and in order to enable the user to obtain more convenient renewal operation experience, in an optional implementation manner provided by the embodiment, if the user instruction is the renewal instruction, the mortgage state of the mortgage first credit resource after the credit mortgage processing is released, and renewal processing is performed based on the policy details obtained after the application payment. The renewal processing of the insurance item comprises corresponding premium payment according to the premium amount recorded in the policy details.

Step S410, if the user instruction is a refund instruction, performing refund processing on the user based on a refund mode corresponding to the refund instruction.

In order to further improve user experience of users in the process of applying for and experiencing the first-period insurance period of the insurance project, and simultaneously reduce resource loss generated by user refund, and also promote the degree of importance of credit, prompt the users to perform credit performance better, the embodiment provides two types of refund modes: a credit escrow mode and a low-cost escrow mode; wherein, the credit escrow refund mode refers to the user can exit the insurance item based on the credit, and the low-rate refund mode refers to the user can exit the insurance item based on both the credit and the clear charge.

The user instruction is submitted by a user through a project page of the insurance project, the project page is configured with a first clear back control corresponding to a credit escrow and refund mode and a second clear back control corresponding to a low-fee escrow and refund mode, and if the user triggers the first clear back control, the user is indicated to select to refund in the credit escrow and refund mode; the second clear back control corresponds to the low-rate escrow mode, and if the user triggers the second clear back control, the user is indicated to select to refund in the low-rate escrow mode.

It should be noted that, the refund mode has a matching relationship with the first-period insuring type, specifically, if the user selects to apply according to the credit mortgage insuring type, the user can choose to refund in the process of refund after the first-period insuring period expires, and also choose to refund in the credit refund mode or in the low-cost refund mode; however, if the user selects to make the insurance according to the first-period low-fee insurance type, the user can select to make the insurance in a low-fee refund mode and cannot select to make the insurance in a credit refund mode in the process of making the insurance after the first-period insurance period expires; in other words, the low-fee mortgage refund pattern has a matching relationship with both the credit mortgage type and the first low-fee type of application; the credit escrow pattern only has a matching relationship with the credit mortgage type and does not have a matching relationship with the first low-cost type.

The following describes the specific procedure of the refund process in the two refund modes in detail.

(1) Credit escrow mode

Under the condition that the user selects the refund after the first period insurance period of the insurance item expires, based on the refund mode of the refund corresponding to the refund instruction, in the process of refund processing on the user, if the refund mode selected by the user is a credit refund mode, the refund processing process is specifically implemented in the following manner:

releasing the mortgage state of the mortgage-processed first credit resource;

and removing the user from the insurance member list of the insurance item, and updating the qualification use state of the insurance experience qualification of the user.

The qualification of the insurance experience refers to the qualification that the user participates in the first-period insurance period trial and experience of the insurance item in a credit mortgage type or a first-period low-fee type, in this embodiment, if the user selects to select to refund in the credit mortgage refund mode, the user loses the qualification of participating in the first-period insurance period trial and experience of the insurance item in the credit mortgage type or the first-period low-fee type again, that is: the qualification use state of the user's insurance experience qualification is updated to a frozen state or an invalid state;

As described above, the escrow pattern and the first-period insuring type have a matching relationship, which avoids that the first-period insuring type selected by the user and the escrow pattern are disordered, so that the user cannot refund or other situations affecting the user experience occur, and on the other hand, in order to ensure the rights and interests of the insurance item operator or the insurance service provider, a great number of users are prevented from insuring and refunding in a credit mortgage way for unlimited times, and in an optional implementation manner provided in this embodiment, before the mortgage state of the first credit resource mortgage after the credit mortgage processing is released, whether the credit mortgage refund pattern and the first-period insuring type selected by the user are matched is detected; if yes, executing the mortgage state process of the mortgage-released first credit resource after the mortgage releasing process; if not, sending a refund mode switching prompt to the user.

(2) Low-fee escrow mode

Under the condition that a user selects a refund after the first period insurance period of the insurance item expires, based on a refund mode corresponding to the refund instruction, in the process of refund processing on the user, if the refund mode selected by the user is a low-cost refund mode, the refund processing process is specifically implemented in the following manner:

Releasing the mortgage state of the mortgage-processed first credit resource, and deducting clear withdrawal fees corresponding to the low-fee mortgage withdrawal mode from a user account of the user;

and eliminating the user from the insurance member list of the insurance, and updating the qualification use state of the insurance experience qualification of the user.

In this embodiment, if the user selects to perform the refund in the low-fee refund mode, the user still retains the qualification of participating in the first-term insurance period trial and experience of the insurance item in the credit mortgage type or the first-term low-fee type, that is: the qualification use state of the user's insurance experience qualification is updated to a valid state or an available state. In addition, the qualification use state of the insurance experience qualification can be associated with the resource limit of the credit resource of the user, and if the authorization state of the credit resource of the user is updated to be the authorized state, the qualification use state of the insurance experience qualification is updated to be a frozen state or an invalid state; if the authorized state of the credit resources of the user is not updated to be the authorized state, the qualification use state of the insurance experience qualification is updated to be a valid state or an available state.

In practical application, the insurance item is often configured with a corresponding insurance waiting period, for a long-term insurance item, the insurance waiting period is generally 3 months or half a year, in this case, if the user participates in the insurance item in a credit mortgage manner, if the duration of the first period of the insurance period of the user participation trial or joining experience is shorter than the duration of the insurance waiting period, the user cannot apply for insurance claims in the first period of the insurance period, and the user cannot make any sense for the insurance trial, and for this, optionally, the insurance item in this embodiment is configured with the insurance waiting period of the insurance claims application, where the insurance claims cannot be settled in the insurance waiting period; and the duration of the insurance waiting period of the insurance item is shorter than the duration of the first period of insurance, and the insurance waiting period is determined according to the credit line of the credit resource. For example, the credit rating of the user is inversely related to the duration of the first-period insurance period, and the higher the credit rating, the shorter the first-period insurance period; conversely, the lower the credit rating, the longer the first insurance period.

In the specific implementation, in order to further urge the user to better perform credit performance, maintain and perfect the credit system of the user, and also in order to ensure that the user can enjoy the corresponding guarantee rights after insuring, in an optional implementation provided in this embodiment, under the condition that the insurance claim application submitted by the user is obtained, claim settlement pre-payment processing is performed on the user; and the claim amount of the claim pre-payment processing is obtained by calculating according to the pre-payment coefficient determined by the credit resource and the insurance amount of the insurance item.

Further, from the perspective of the insurance item operator or the insurance service provider of the insurance item, in order to avoid the user from making a false insurance claim application, and also to reduce the occurrence probability of such a situation that the insurance claim is fraught, in an alternative implementation provided in this embodiment, the claim pre-payment processing is audited; if the auditing result is that the objection exists, withdrawing the claim settlement pre-payment processing; if the auditing result is unobjectionable, the auditing result is not processed.

An embodiment of an item processing apparatus provided in the present specification is as follows:

in the above-described embodiments, there is provided an item processing method, and correspondingly, an item processing apparatus, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of an item processing apparatus according to the present 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 an item processing apparatus including:

the project participation type determining module 502 is configured to determine a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page;

A participation condition detection module 504 configured to detect whether available resources of the user meet a participation condition of an item in the item participation type;

if yes, a project admittance processing module 506 and a project instruction acquisition module 508 are operated;

the project admittance processing module 506 is configured to perform mortgage processing and project admittance processing based on the project participation type and the available resources;

the project instruction obtaining 508 is configured to obtain a project instruction submitted by the user when the project participation time of the user is detected to exceed a pre-project period;

and the clear-back processing module 510 is configured to, if the item instruction is an exit instruction, perform clear-back processing on the user based on a resolution clear-back mode corresponding to the exit instruction.

An embodiment of an insurance item processing device provided in the present specification is as follows:

referring to fig. 6, a schematic diagram of an insurance item processing apparatus according to the present embodiment is shown.

The present embodiment provides an insurance item processing apparatus, including:

a first-period insuring type acquisition module 602 configured to acquire a first-period insuring type selected in an insuring page of a user's insuring item;

an application condition detection module 604 configured to detect whether the credit resource of the user satisfies an application condition of the first-period application type;

if so, running a credit mortgage payment module 606 and a user instruction acquisition module 608;

the credit mortgage payment module 606 is configured to perform credit mortgage processing and application payment based on the first-period application type and the credit resource;

the user instruction obtaining module 608 is configured to obtain a user instruction submitted by the user when the user's warranty time is detected to exceed a first-period warranty period;

and the refund processing module 610 is configured to, if the user instruction is a refund instruction, perform refund processing on the user based on a refund mode corresponding to the refund instruction.

in correspondence to the above-described item processing method, one or more embodiments of the present disclosure further provide an item processing apparatus for executing the above-provided item processing method, based on the same technical concept, and fig. 7 is a schematic structural diagram of an item processing apparatus provided by one or more embodiments of the present disclosure.

The item processing apparatus provided in this embodiment includes:

as shown in FIG. 7, the project processing apparatus may vary widely depending on configuration or performance, and may include one or more processors 701 and a memory 702, where the memory 702 may store one or more stored applications or data. Wherein the memory 702 may be transient storage or persistent storage. The application programs stored in the memory 702 may include one or more modules (not shown in the figures), each of which may include a series of computer executable instructions in the item processing device. Still further, the processor 701 may be arranged to communicate with the memory 702 and execute a series of computer executable instructions in the memory 702 on the item processing device. The item processing device may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, and the like.

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

Determining a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page;

detecting whether available resources of the user meet participation conditions of the project in the project participation type or not;

if yes, performing mortgage processing and project admittance processing based on the project participation type and the available resources;

acquiring a project instruction submitted by the user under the condition that the project participation time of the user exceeds a pre-project period is detected;

and if the project instruction is an exit instruction, performing clear processing on the user based on a clear-back mode corresponding to the exit instruction.

An embodiment of an insurance item processing apparatus provided in the present specification is as follows:

in response to the above description of an insurance item processing method, one or more embodiments of the present disclosure further provide an insurance item processing apparatus, based on the same technical concept, for executing the above provided insurance item processing method, and fig. 8 is a schematic structural diagram of an insurance item processing apparatus provided by one or more embodiments of the present disclosure.

The insurance item processing device provided in this embodiment includes:

As shown in FIG. 8, the insurance item processing device may vary widely in configuration or performance, may include one or more processors 801 and memory 802, and may have one or more stored applications or data stored in the memory 802. Wherein the memory 802 may be transient storage or persistent storage. The application program stored in memory 802 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in the insurance item processing device. Still further, the processor 801 may be configured to communicate with a memory 802 and execute a series of computer executable instructions in the memory 802 on the insurance item processing device. The insurance item processing device may also include one or more power sources 803, one or more wired or wireless network interfaces 804, one or more input output interfaces 805, one or more keyboards 806, etc.

In one particular embodiment, an insurance item processing device includes a memory, and one or more programs, where 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 insurance item processing device, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

Acquiring a first-period insurance type selected in an insurance page of a user insurance item;

detecting whether credit resources of the user meet the guarantee conditions of the first-period guarantee type;

if yes, credit mortgage processing and application payment are carried out based on the first-period application type and the credit resource;

acquiring a user instruction submitted by the user under the condition that the guarantee time of the user exceeds the first-period insurance period is detected;

and if the user instruction is a refund instruction, performing refund processing on the user based on a refund mode corresponding to the refund instruction.

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

in correspondence to the above-described item processing method, 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, where the computer executable instructions when executed implement the following procedures:

Another storage medium embodiment provided in this specification is as follows:

corresponding to the above-described insurance item processing method, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

It should be noted that, the embodiments of the storage medium in this specification and the embodiments of the method for processing the item in this specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the corresponding method, and the repetition is not repeated.

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 Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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

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.

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

The foregoing 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 method of item processing, comprising:

determining a project participation type selected by a user, wherein the project participation type comprises a participation mode selected in the project participation process of the user, and available resources required to be paid by the user for selecting different project participation types are different, and the available resources comprise: any one or a combination of at least two of credit resources, electronic money resources, and virtual resources;

if yes, mortgage processing and project admittance processing are carried out based on the project participation type and the available resources.

2. The item processing method of claim 1, the determining a user-selected item participation type, comprising:

and determining the item participation type corresponding to the participation type control according to the participation type control triggered by the user on the item page.

3. The item processing method of claim 2, wherein an item page of the item is configured with a first participation type control and a second participation type control;

the determining the item participation type corresponding to the participation type control according to the participation type control triggered by the user on the item page comprises the following steps:

if the user triggers the first participation type control, determining that the user selects to participate in the project according to a first project participation type mode, wherein the first project participation type mode comprises a credit mortgage selection mode;

if the user triggers the second engagement type control, it is determined that the user selects to engage the item in a manner of a second item engagement type, including selecting a credit mortgage in combination with a fee payment.

4. The item processing method according to claim 1, further comprising:

and under the condition that the project participation time of the user exceeds the pre-project period is detected, acquiring a project instruction submitted by the user.

5. The method according to claim 4, wherein if the item instruction is an exit instruction, the user is cleared based on a clear-back mode corresponding to the exit instruction.

6. The project processing method according to claim 4, wherein if the project instruction is a renewal instruction, the mortgage state of the mortgage-processed first available resource is released, and renewal processing is performed based on project participation details obtained after project admission processing.

7. The item processing method according to claim 4, wherein the item includes a period item, and the preceding item period includes a first period of the period item.

8. The item processing method of claim 1, the detecting whether the available resource of the user satisfies a participation condition of an item in the item participation type, comprising:

determining a set of selectable participation types allocated to the user based on the available resources;

detecting whether the item participation type is an optional participation type contained in the optional participation type set; if yes, executing the next step.

9. The item processing method according to claim 1, the participation condition of the item participation type, comprising: the resource grade corresponding to the available resources is greater than or equal to the resource admission grade of the item participation type.

10. The item processing method of claim 1, the item participation type comprising a first item participation type, available resources for expenditure required by the first item participation type comprising credit resources;

correspondingly, the mortgage processing and the project admittance processing based on the project participation type and the available resources comprise the following steps:

11. The item processing method according to claim 4, wherein the item participation type includes a second item participation type, and the available resources required for expenditure of the second item participation type include credit resources and electronic money resources;

12. An item processing method as claimed in claim 11, the credit mortgage amount of the credit mortgage process being determined from the resource amount of the user's credit resources;

and the payment amount of the payment processing is obtained by calculating according to the credit mortgage amount and the preposed period cost of the preposed project period.

13. The item processing method of claim 5, the de-extrusion fallback mode comprising a first fallback mode; correspondingly, the clearing and reversing processing is performed on the user based on the clearing and reversing mode corresponding to the exiting instruction, and the clearing and reversing processing includes:

14. An item processing method as in claim 13, the mortgage state sub-step of the first available resource that was mortgage after the mortgage process being performed further comprising:

detecting whether the first clear mode is matched with the item participation type selected by the user;

if yes, executing a mortgage state substep of the mortgage-released first available resource;

if not, sending a clear mode switching prompt to the user.

15. The item processing method of claim 5, the de-extrusion fallback mode comprising a second fallback mode; correspondingly, the clearing and reversing processing is performed on the user based on the clearing and reversing mode corresponding to the exiting instruction, and the clearing and reversing processing includes:

16. An item processing method as claimed in claim 1, wherein the mortgage credit resource's authorization status after mortgage processing in the available resources is updated to an authorized status, and the mortgage authorization status of the credit resource in the authorized status is frozen.

17. The item processing method according to claim 4, the item including a guarantee item configured with a guarantee waiting period for which a guarantee is applied, in which a guarantee claim cannot be applied; and the duration of the guarantee waiting period of the project is shorter than the duration of the period of the front project, and the guarantee waiting period is determined according to the resource limit of the available resources.

18. The item processing method of claim 17, further comprising:

under the condition that a guarantee application request submitted by the user is obtained, carrying out claim settlement pre-payment processing on the user;

and the claim amount of the claim pre-payment processing is obtained by calculating according to the pre-payment coefficient determined by the available resources and the guarantee amount of the guarantee item.

19. The item processing method of claim 18, further comprising:

auditing the pre-payment processing of the claim;

and if the auditing result is that the objection exists, withdrawing the claim pre-payment processing.

20. An insurance item processing method, comprising:

acquiring a first-period insuring type selected by a user in an insuring page of a insuring item, wherein the first-period insuring type comprises insuring modes selected by the user in the insuring process, available resources required to be paid by the user for selecting different first-period insuring types are different, and the available resources comprise: any one or a combination of at least two of credit resources, electronic money resources, and virtual resources;

and if so, carrying out credit mortgage processing and application payment based on the first-period application type and the credit resource.

21. An item processing apparatus comprising:

an item participation type determination module configured to determine a user-selected item participation type, the item participation type including a participation mode selected during user participation in an item, available resources for expenditure required for user selection of a different item participation type being different, the available resources including: any one or a combination of at least two of credit resources, electronic money resources, and virtual resources;

a participation condition detection module configured to detect whether available resources of the user satisfy a participation condition of an item in the item participation type;

if yes, operating the project admittance processing module; the project admission processing module is configured to perform mortgage processing and project admission processing based on the project participation type and the available resources.

22. An insurance item processing device, comprising:

the first-period insuring type acquisition module is configured to acquire first-period insuring types selected by a user in an insuring page of a insuring item, the first-period insuring types comprise insuring modes selected by the user in the insuring process, available resources required to be paid by the user for selecting different first-period insuring types are different, and the available resources comprise: any one or a combination of at least two of credit resources, electronic money resources, and virtual resources;

An application condition detection module configured to detect whether a credit resource of the user satisfies an application condition of the first-period application type;

if yes, running a credit mortgage payment module; the credit mortgage payment module is configured to conduct credit mortgage processing and application payment based on the first-period application type and the credit resource.

23. An item processing apparatus comprising:

a processor; the method comprises the steps of,

a memory configured to store computer executable instructions configured for execution by the processor, the executable instructions comprising steps for performing the method of any one of claims 1 to 19 or claim 20.

24. A storage medium storing computer-executable instructions for causing a computer to perform the steps in the method of any one of claims 1 to 19 or claim 20.