TW201915894A - Method for realizing an installment business based on credit - Google Patents

Abstract

The description discloses a method for realizing an installment business based on credit. The method includes: a credit system acquires user information of a user to which an initiating terminal of aninstallment business request belongs; the credit system determines the credit information of the user according to the user information and sends the credit information to a business system; and if the credit information meets a predetermined credit constraint condition, the business system executes an installment business for the user.

Description

Method for realizing staged business based on credit

This specification relates to the field of Internet technology, and in particular, to a method for implementing a staging service based on credit.

The staging model is an important payment method in the retail industry. Users can consume the money first, and then pay the relevant payments one by one, so as to spread the payment pressure to a certain period of time. The implementation of the staging mode may include: a credit card or the like. Taking a credit card as an example, the credit card application process is lengthy, the application period is long, and the user experience is poor. Therefore, it is necessary to provide a fast and reliable staging implementation.

In view of this, the present specification provides a method for implementing a staging business based on credit. Specifically, the present specification is implemented by the following technical solution: A method for implementing a staging service based on credit, comprising: a credit system acquiring user information of a user to which a originating terminal of a staging service request belongs; and a credit system determining the user according to the user information The credit information is sent to the business system; if the credit information meets the predetermined credit constraint, the business system performs the staging service for the user. A method for implementing a staging service based on a credit, comprising: obtaining user information of a user to which an initiating terminal of an instalment service request belongs; determining credit information of the user according to the user information, and transmitting the credit information to a service system for providing The business system performs the staging service for the user when the credit information meets a predetermined credit constraint. A method for implementing a staging service based on credit, comprising: receiving credit information of a user to which an initiating terminal of a staging service request sent by a credit system belongs; and if the credit information meets a predetermined credit constraint condition, performing an instalment service for the user. As can be seen from the above description, the credit system of the present specification can determine the credit information of the user initiated by the staging service request, and send the credit information to the business system. The service system may perform the staging service for the user when the credit information of the initiating user meets the predetermined credit constraint condition, thereby implementing a quick staging service for the initiating user. In addition, the staging business based on credit constraints can effectively reduce the bad debt risk of the business system.

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the drawings. When the following description refers to the drawings, the same numerals in the different figures represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Instead, they are merely examples of devices and methods consistent with aspects of the specification as detailed in the appended claims. The terminology used in the description is for the purpose of describing particular embodiments, and is not intended to The singular forms "a", "the" and "the" It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items. It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, the first information may also be referred to as the second information without departing from the scope of the present specification. Similarly, the second information may also be referred to as the first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to a determination." The present specification provides a method for realizing a staging business based on credit, which can be implemented by a credit system and a business system. Among them, the credit system is usually deployed by a service provider that provides a credit evaluation function, and the physical carrier is usually a server or a server cluster. In addition to the credit evaluation function, the credit system can also call the payment system to implement the payment function, or the credit system. It has a payment function itself, and this specification does not specifically limit this. The service system is usually deployed by a service provider that performs the function of performing the staging service. For example, the service system can be a system deployed by the merchant, and the service system can also be a system with payment functions other than the merchant. This specification does not specifically limit this. . The physical carrier of a business system is typically also a server or server cluster. In this specification, the user can request the installment service through the installment service request portal provided by the system such as the business system or the credit system, for example, the user requests to pay the amount of the current purchase in stages. The credit system can evaluate the credit of the requesting user and send the evaluation result to the business system. The service system can determine the authenticity of the requesting user according to the evaluation result, and then perform the staging service for the requesting user, thereby implementing the staging service for the requesting user, and achieving quick and good experience for the requesting user, and for the business system Can effectively reduce the risk of bad debts. FIG. 1 is a schematic flow chart of a method for implementing a staging service based on credit according to an exemplary embodiment of the present specification. Referring to FIG. 1 , the method for implementing the staging service based on credit may include the following steps: Step 102: The credit system acquires user information of a user to which the originating terminal of the staging service request belongs. In this embodiment, the user can initiate the staging service request through multiple channels based on the own terminal device. In an example, the user can initiate an installment service request through a URL (Uniform Resource Locator), a two-dimensional barcode, and the like provided by the credit system. In another example, the user may also initiate an installment service request through a portal such as a URL, a two-dimensional barcode, or the like provided by the business system or other third-party system. The business system or third-party system can send user information to the credit system. In this embodiment, the staging service request may include: an installment request, and the like. In this embodiment, the user information may include: user name, user mobile phone number, user ID number, and the like, and the specification does not specifically limit this. Step 104: The credit system determines the credit information of the user according to the user information, and sends the credit information to the service system. Based on the foregoing step 102, after obtaining the user information of the user who initiates the instalment service request (hereinafter referred to as the initiating user), the credit system may obtain various information related to the initiating user according to the user information, and then the comprehensively obtained data evaluation may be initiated. The authenticity of the user and its ability to perform the contract to determine the credit information of the originating user. The above various materials may include: current location, face image, historical transaction data, historical default information, etc., and the specification does not specifically limit this. In one example, the credit information may be presented in a credit score, and the credit rating may be used to visually determine the credit rating of the initiating user, for example, credit or credit failure. Among them, the credit qualification usually indicates that the initiating user's ability to perform is strong; and the credit failure can usually indicate that the initiating user's ability to perform is poor. In another example, the credit information may be presented in a credit score and a credit rating, wherein the credit rating may include: credit pass, credit failure. Based on the credit rating, the credit rating of the initiating user can be determined intuitively; based on the credit score, the initiating users with the same credit rating can be further distinguished. Optionally, in this embodiment, before determining the credit information of the initiating user, the credit system may also perform identity verification on the initiating user. In an example, after receiving the staging service request sent by the initiating terminal, the credit system may perform authentication on the initiating user based on the verification policy. If the initiating user passes the identity verification, it may be determined that the initiating user is the user, and thus the foregoing operation may be performed. Step 102: Obtain the user information of the user to which the originating terminal belongs to determine credit information of the initiating user. The verification policy may be set by a developer, and may include one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. For example, the implementation manner of the mobile phone number verification policy may be: the initiating user fills in the mobile phone number, and the credit system verifies whether the mobile phone number filled by the initiating user is consistent with the mobile phone number bound to the account, and if the mobile phone number is consistent, the mobile phone number can be determined to pass the verification; If they are inconsistent, you can be sure that the mobile number has not passed verification. For another example, the implementation manner of the mobile phone number verification policy may be: the credit system sends a random verification code to the mobile phone number bound to the user account, and if the verification code filled in by the initiating user is consistent with the random verification code sent by the credit system, it may be determined. The mobile phone number is verified; if it is inconsistent, it can be determined that the mobile phone number has not passed the verification. For example, the implementation of the face image verification policy may be: collecting the face image of the initiating user by the initiating terminal, and then verifying whether the collected face image is consistent with the face image bound by the user account. Or, in the policing system, the collected face image is consistent with the real face image of the user account real name user. If they are consistent, the face image can be determined to pass the verification; if not, the face can be determined. The image did not pass verification. For example, the implementation of the address information verification policy may be: initiating a user to fill in the address information, and the credit system verifies that the address information filled by the initiating user is consistent with the address information bound to the account, and if they are consistent, the bit position may be determined. The address information is verified; if it is inconsistent, it can be determined that the address information has not been verified. Of course, in the actual application, the initiating user may be authenticated in other manners, and the specification does not specifically limit this. In this example, if the initiating user does not pass the authentication, the message that the authentication fails is returned to the service system, and the service system does not perform the staging service for the initiating user that fails the authentication to avoid the loss. In another example, the credit system may authenticate the initiating user after obtaining the user information of the initiating user in this step. For the verification policy of the identity verification, reference may be made to the foregoing description, and the description is not repeated herein. The credit system can determine the credit information of the initiating user by synthesizing the user's authentication result and user information. For example, the credit system may adopt an implementation manner provided in the related art to determine the first sub-credit information of the initiating user according to the user information, determine the second sub-credit information of the initiating user according to the identity verification result, and then integrate the first sub-credit information and the first The second sub-credit information determines the credit information of the initiating user. In the implementation of the integrated authentication result and the user information to determine the credit information, the credit system does not need to return the authentication result of the initiating user to the business system, and only returns the comprehensively determined credit information to the business system, and this specification does not Special restrictions. In another example, after receiving the staging service request sent by the initiating terminal, the credit system may also perform initial risk assessment on the initiating user by combining the initiating scenario and initiating the terminal information, and if the evaluation is high risk, the crediting policy may be based on the verification policy. The authentication of the initiating user, if the evaluation is low risk, does not need to authenticate the initiating user, and can directly perform the step of determining the initiating user credit information. Of course, in practical applications, other methods may be used to implement identity verification and credit determination, and this specification does not specifically limit this. Step 106: If the credit information meets a predetermined credit constraint condition, the service system performs an installment service for the user. Based on the foregoing step 104, after receiving the credit information of the originating user sent by the credit system, the service system may perform the staging service for the user when the credit information satisfies the predetermined credit constraint condition. The credit constraint may include a credit score greater than a predetermined score or the like. For example, if it is determined that the credit score of the initiating user is greater than the predetermined rating, the business system may allow the initiating user to pay the amount of the current purchase in installments. As can be seen from the above description, the credit system of the present specification can determine the credit information of the user initiated by the staging service request, and send the credit information to the business system. The service system may perform the staging service for the user when the credit information of the initiating user meets the predetermined credit constraint condition, thereby implementing a quick staging service for the initiating user. In addition, the staging business based on credit constraints can effectively reduce the bad debt risk of the business system. The following describes the specific implementation process of this specification by taking the business system as the merchant system and the installment request as the installment payment request. Referring to FIG. 2, the process of implementing the installment payment may include the following steps: Step 202: The initiating user initiates an installment payment request by initiating the terminal. In an example, when initiating a user to consume online and offline merchants, the originating payment request may be initiated by using a mobile phone or the like to initiate a terminal scanning the two-dimensional barcode provided by the offline merchant. In another example, when the initiating user purchases the online merchant, the instalment payment request can be initiated through the URL (Uniform Resource Locator) provided in the merchant page. The instalment payment request usually carries information about the initiating user, such as a mobile phone number, a user account, etc., and the specification does not specifically limit this. It should be noted that the interaction process between the initiating user and the credit system or the service system in the present specification is usually an interaction between the initiating terminal (for example, the user terminal based on the initiating user account loading in the initiating terminal) and the credit system or the business system. For convenience of description, this specification simply refers to the interaction between the initiating user and each system, and will not be described in detail later. Step 204: The credit system acquires user information of the initiating user. In this embodiment, the credit system can obtain information such as the user account of the initiating user and the mobile phone number of the user as user information. In step 206, the credit system determines the credit information of the initiating user. In this embodiment, the implementation manner of the credit system for determining the credit information of the initiating user may be referred to the step 104 of the embodiment shown in FIG. 1 , which is not repeatedly described herein. Of course, in this embodiment, the credit system may also perform authentication on the initiating user before determining the credit information. For the part of the processing and implementation, reference may be made to the embodiment shown in FIG. 1 , and the description is not repeated herein. Step 208: The credit system sends the credit information of the initiating user to the merchant system. In this embodiment, the credit system may send the initiating user initiated instalment payment request together with its credit information to the merchant system. Of course, the credit system may also send the installment request and the credit information asynchronously, and the embodiment does not specifically limit this. It is to be noted that, if the initiating user initiates an installment payment request through another system, the initiating system may send the installment payment request to the merchant system, which is not specifically limited in this embodiment. Step 210: When the credit information meets the credit constraint condition, the merchant system allows the user to initiate the installment payment. In step 212, the merchant system initiates a debit request for the initiating user when the installment payment cycle is reached. Taking the credit information as the credit score as an example, the merchant system can determine that the originating user has good credit status and good performance ability when the credit score of the initiating user is greater than the scoring threshold, thereby allowing the initiating user to pay in installments, for example, allowing the user to enjoy the service first or The goods are first obtained, and when the instalment payment cycle is reached, a debit request for the initiating user is initiated. In actual implementation, when the credit information meets the credit constraint condition, the merchant system may output prompt information allowing the installment payment, and the merchant staff member may allow the initiation user to enjoy the service first or obtain the commodity first according to the information. For example, suppose that Xiaobai goes to the offline merchant to buy a mobile phone, and the selling price of the mobile phone is 3,600 yuan. The two-dimensional bar code provided by Xiaobai Scanner wants to apply for installment payment. The credit system determines that Xiaobai’s credit score is 680 points. The credit score is greater than the score threshold of 650 points. The merchant system allows Xiaobai to pay in installments. The merchant’s salesperson can first use the mobile phone. Delivered to Xiaobai. Assume that the installment payment period is 12 months, and each month requires a repayment of 300 yuan. The merchant system can initiate a 300-yuan debit request for the Xiaobai account on the date specified in each subsequent month. It is worth noting that the above-mentioned installment payment rules, such as the installment payment period and the repayment amount of each period, can be formulated by the merchant. For example, the merchant can formulate a plurality of installment payment rules, which can be selected by Xiaobai. Of course, in some payment rules, it is necessary to pay a certain amount of handling fee, etc., and the processing and implementation of this part can refer to related technologies, and the present specification will not be repeated here. On the other hand, the implementation of installment payment usually requires a small white authorization. For example, when it is determined that the white credit score is greater than the score threshold, the authorization request can be output to Xiaobai when the installment payment is made. If Xiaobai confirms the authorization request, then You can perform installment payments. The output of the authorization request may be implemented by a credit system or by a merchant system, and the specification does not specifically limit this. In addition, in another example, the term of the installment and the total amount of the installment payment can also be positively correlated with Xiaobai's credit score. For example, the higher the credit score of Xiaobai, the longer the period of installment payment; the higher the credit score of Xiaobai, the higher the total amount of Xiaobai installment payment allowed. The relationship between the period of the above installment payment and the total amount of the installment payment and the credit score may be set by the merchant, and this specification does not impose any special restrictions. It should be noted that if the total amount of the instalment payment is determined to be less than the selling price of the mobile phone according to Xiaobai's credit score, for example, the total amount of the instalment payment is 3,000 yuan, which is less than the mobile phone price of 3,600 yuan, usually requires Xiaobaixian The difference between the price of the mobile phone and the total amount of the installment payment is 600 yuan. In step 214, the merchant system sends a debit notice to the initiating user after the successful deduction. Based on the foregoing step 212, after the debit payment is successful, the merchant system may send a deduction notice to the initiating user. For example, after successfully deducting 300 yuan of the mobile phone purchased by Xiaobai on the 15th of each month, the debit notice may be sent to Xiaobai. . In one example, the merchant system or payment system (debit platform) may also send the chargeback to the credit system for the credit system to update the credit information of the originating user. For example, the credit system may positively update the credit information of the initiating user after all the deductions within the period of successful completion of the installment payment period, such as correspondingly increasing the credit score of the initiating user. For another example, the credit system may forward the credit information of the initiating user, such as correspondingly reducing the credit score of the initiating user, after one or several unsuccessful deductions. As can be seen from the above description, in this embodiment, the initiating user can initiate an instalment payment request when shopping or consuming online or offline, and the merchant can allow the initiating user to obtain the commodity first or the first when the initiating user's credit information meets the credit constraint condition. Enjoy the service, and then pay the relevant fees in installments. For the initiating user, there is no need to submit cumbersome materials, which is convenient and enjoyable. For merchants, credit-based installment payment can attract consumer news, and can effectively reduce the bad debt loss of the merchant and ensure the interests of the merchant. Corresponding to the aforementioned embodiment of the method for implementing the staging service based on credit, the present specification also provides an embodiment of an apparatus for realizing the staging service based on credit. Embodiments of the apparatus for implementing staging services based on credit can be applied to a server. The device embodiment can be implemented by software or by a combination of hardware or software and hardware. Taking the software implementation as an example, as a logical device, the processor of the server in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. At a hardware level, as shown in FIG. 3, a hardware structure diagram of a server in which the device for implementing the staging service based on credit is located, except for the processor, the memory, the network interface, and the processor shown in FIG. In addition to the non-volatile memory, the server in which the device is located in the embodiment may also include other hardware according to the actual function of the server, and details are not described herein again. 4 is a block diagram of an apparatus for implementing a staging based credit based on an exemplary embodiment of the present specification. Referring to FIG. 4, the device 300 for implementing the staging service based on the credit may be applied to the server shown in FIG. 3, and includes: an information acquiring unit 301, a credit determining unit 302, a first verifying unit 303, and a second verification. Unit 304 and credit update unit 305. The information obtaining unit 301 is configured to obtain user information of the user to which the initiating terminal of the initiating service request belongs, and the credit determining unit 302 determines the credit information of the user according to the user information, and sends the credit information to the service system to The service system performs the staging service for the user when the credit information meets a predetermined credit constraint condition. The first verification unit 303 receives the staging service request sent by the initiating terminal; performs identity verification on the user to which the initiating terminal belongs based on the verification policy; and after performing the identity verification on the user to which the initiating terminal belongs, performs the acquiring the user to which the initiating terminal belongs. Steps for user information. The second verification unit 304 performs identity verification on the user to which the originating terminal belongs based on the verification policy. The credit determining unit 302 determines the credit information of the user according to the identity verification result of the user and the user information. Optionally, the verification policy includes one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. The credit update unit 305, after the service system successfully performs the staging service for the user, is positively updating the credit information of the user; after the service system fails to successfully perform the staging service for the user, the negative update is performed. User's credit information. Optionally, the staging service request is an installment request. Corresponding to the aforementioned embodiment of the method for implementing the staging service based on credit, the present specification also provides an embodiment of an apparatus for realizing the staging service based on credit. Embodiments of the apparatus for implementing staging services based on credit can be applied to a server. The device embodiment can be implemented by software or by a combination of hardware or software and hardware. Taking the software implementation as an example, as a logical device, the processor of the server in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. At a hardware level, as shown in FIG. 5, a hardware structure diagram of a server in which the device for implementing the staging service based on credit is located, except for the processor, the memory, the network interface, and the processor shown in FIG. In addition to the non-volatile memory, the server in which the device is located in the embodiment may also include other hardware according to the actual function of the server, and details are not described herein again. 6 is a block diagram of an apparatus for implementing a staging based credit based on an exemplary embodiment of the present specification. Referring to FIG. 6, the device 500 for implementing the staging service based on the credit may be applied to the server shown in FIG. 5, and includes: a credit receiving unit 501 and a service executing unit 502. The credit receiving unit 501 receives the credit information of the user to which the originating terminal of the staging service request sent by the credit system belongs; the service executing unit 502, if the credit information meets the predetermined credit constraint condition, performs the staging service for the user . Optionally, the service execution unit 502 initiates a resource scheduling request for the user when the execution time point of the staging service is reached. Optionally, the requisition quota of the resource scheduling request is positively related to the credit information. The implementation process of the function and the function of each unit in the foregoing device is specifically described in the implementation process of the corresponding steps in the foregoing method, and details are not described herein again. For the device embodiment, since it basically corresponds to the method embodiment, reference may be made to the partial description of the method embodiment. The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, ie may be located A place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present specification. Those of ordinary skill in the art can understand and implement without any creative effort. The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer. The specific form of the computer can be a personal computer, a notebook computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an e-mail receiving device, and a game control. A combination of a tablet, a tablet, a wearable device, or any of these devices. Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides another device for realizing the staging service based on credit, the device for realizing the staging service based on credit includes: a processor and a device for storing machine executable instructions Memory. Among them, the processor and the memory are usually connected to each other by an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components. In this embodiment, by reading and executing the machine executable instructions corresponding to the control logic of the credit-based staging service stored in the memory, the processor is caused to: acquire the user of the originating terminal of the staging service request User information; determining credit information of the user according to the user information, and transmitting the credit information to the service system, so that the business system performs execution for the user when the credit information meets a predetermined credit constraint condition Staging business. Optionally, by reading and executing the machine executable instructions corresponding to the control logic of the credit-based staging service stored by the memory, the processor is further caused to: receive the staging service request sent by the initiating terminal; The verification policy performs the authentication on the user to which the initiating terminal belongs. After determining that the user to which the initiating terminal belongs is authenticated, the step of acquiring the user information of the user to which the initiating terminal belongs is performed. Optionally, by reading and executing the machine executable instructions corresponding to the control logic of the credit-based staging service stored by the memory, the processor is further caused to: perform, according to the verification policy, the user to which the originating terminal belongs The determining the credit information of the user according to the user information comprises: determining the credit information of the user according to the identity verification result of the user and the user information. Optionally, the verification policy includes one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the credit-based staging service-based control logic, the processor is further caused to: successfully perform the staging for the user in the service system After the service, the credit information of the user is updated; after the business system fails to successfully perform the staging service for the user, the credit information of the user is negatively updated. Optionally, the staging service request is an installment request. Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides another device for realizing the staging service based on credit, the device for realizing the staging service based on credit includes: a processor and a device for storing machine executable instructions Memory. Among them, the processor and the memory are usually connected to each other by an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components. In this embodiment, by reading and executing the machine executable instructions of the memory storage corresponding to the credit-based staging service-based control logic, the processor is caused to: receive the initiation of the staging service request sent by the credit system The credit information of the user to which the terminal belongs; if the credit information meets the predetermined credit constraint condition, the staging service for the user is performed. Optionally, when performing the staging service for the user, the processor is caused to: initiate a resource scheduling request for the user when the execution time point of the staging service is reached. Optionally, the requisition quota of the resource scheduling request is positively related to the credit information. Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and when the program is executed by the processor, the following steps are implemented: Obtaining user information of a user to which the originating terminal of the staging service request belongs; determining credit information of the user according to the user information, and transmitting the credit information to the service system, so that the business system meets the predetermined credit in the credit information When the condition is constrained, the staging service for the user is performed. Optionally, the method further includes: receiving an instalment service request sent by the initiating terminal; performing identity verification on the user to which the initiating terminal belongs according to the verification policy; Steps of user information. Optionally, the method further includes: performing, according to the verification policy, the user that belongs to the initiating terminal, and determining, according to the user information, the credit information of the user, including: determining, according to the identity verification result of the user, the user The information determines the credit information of the user. Optionally, the verification policy includes one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. Optionally, the method further includes: after the service system successfully performs the staging service for the user, updating the credit information of the user; and after the service system fails to perform the staging service for the user, the negative update is performed. The credit information of the user. Optionally, the staging service request is an installment request. Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and when the program is executed by the processor, the following steps are implemented: Receiving credit information of a user to which the initiating terminal of the instalment service request sent by the credit system belongs; and if the credit information meets a predetermined credit constraint condition, performing an instalment service for the user. Optionally, the performing the staging service for the user includes: initiating a resource scheduling request for the user when the execution time point of the staging service is reached. Optionally, the requisition quota of the resource scheduling request is positively related to the credit information. The foregoing description of the specific embodiments of the specification has been described. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the scope of the claims may be performed in a different order than the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings are not necessarily in a particular order or in a sequential order to achieve the desired results. In some embodiments, multiplex processing and parallel processing are also possible or may be advantageous. The above description is only the preferred embodiment of the present specification, and is not intended to limit the specification. Any modifications, equivalent substitutions, improvements, etc., which are included in the present specification, should be included in the present specification. Within the scope of protection.

S102-S106‧‧‧Steps

202-214‧‧‧Steps

300‧‧‧Devices for implementing phased services based on credit

301‧‧‧Information acquisition unit

302‧‧‧ Credit Determination Unit

303‧‧‧First Verification Unit

304‧‧‧Second verification unit

305‧‧‧ Credit Update Unit

500‧‧‧Devices for implementing staging services based on credit

501‧‧‧credit receiving unit

502‧‧‧Business execution unit

FIG. 1 is a schematic flow chart of a method for implementing a staging service based on credit according to an exemplary embodiment of the present specification. FIG. 2 is a schematic flow chart of another method for implementing a staging service based on credit according to an exemplary embodiment of the present specification. FIG. 3 is a schematic structural diagram of an apparatus for implementing a staging service based on credit according to an exemplary embodiment of the present specification. 4 is a block diagram of an apparatus for implementing a staging based credit based on an exemplary embodiment of the present specification. FIG. 5 is a schematic structural diagram of another apparatus for implementing staging service based on credit according to an exemplary embodiment of the present specification. 6 is a block diagram of another apparatus for implementing staging based credit based on an exemplary embodiment of the present specification.

Claims (17)

A method for implementing a staging service based on credit, comprising: a credit system acquiring user information of a user to which the originating terminal of the staging service request belongs; the credit system determining the credit information of the user according to the user information, and transmitting the credit information to the service system; The credit information conforms to a predetermined credit constraint, and the business system performs an installment service for the user. The method of claim 1, further comprising: the credit system receiving the staging service request sent by the initiating terminal; the credit system authenticating the user of the initiating terminal based on the verification policy; the credit system determining that the user of the initiating terminal passes the identity verification Then, the step of obtaining the user information of the user to which the originating terminal belongs is performed. The method of claim 1, further comprising: the credit system authenticating the user of the originating terminal based on the verification policy; the credit system determining the credit information of the user according to the user information, including: the credit system is based on the identity of the user The verification result and the user information determine the credit information of the user. According to the method of claim 2 or 3, the verification policy includes one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. According to the method of claim 1, the service system performs the staging service for the user, including: the service system initiates a resource scheduling request for the user when the execution time point of the staging service is reached. According to the method of claim 5, the requisition quota of the resource scheduling request is positively correlated with the credit information. The method of claim 1, further comprising: the credit system is positively updating the credit information of the user after the business system successfully performs the staging service for the user; the credit system fails to successfully perform the staging for the user in the business system After the business, the user's credit information is updated negatively. According to the method of claim 1, the staging service request is an installment request. A method for implementing a staging service based on credit, comprising: obtaining user information of a user to which the initiating terminal of the instalment service request belongs; determining credit information of the user according to the user information, and transmitting the credit information to the service system for the business system to be When the credit information meets the predetermined credit constraint, the staging business for the user is executed. The method of claim 9, further comprising: receiving an instalment service request sent by the initiating terminal; performing identity verification on the user to which the initiating terminal belongs based on the verification policy; performing the obtaining the initiating after determining that the user of the initiating terminal passes the identity verification The step of user information of the user to which the terminal belongs. The method of claim 9, further comprising: performing identity verification on the user to which the originating terminal belongs based on the verification policy; determining the credit information of the user according to the user information, including: determining, according to the identity verification result of the user, the user information Determine the credit information of the user. According to the method of claim 10 or 11, the verification policy includes one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy. The method of claim 9, further comprising: after the service system successfully performs the staging service for the user, updating the credit information of the user; after the service system fails to perform the staging service for the user, the negative Update the credit information of the user. According to the method of claim 9, the staging service request is an installment request. A method for implementing a staging service based on credit, comprising: receiving credit information of a user to which the originating terminal of the staging service request sent by the credit system belongs; and if the credit information meets a predetermined credit constraint condition, performing an instalment service for the user. According to the method of claim 15, the performing the staging service for the user includes: initiating a resource scheduling request for the user when the execution time point of the staging service is reached. According to the method of claim 16, the requisition amount of the resource scheduling request is positively correlated with the credit information.