WO2019007336A2 - 数据处理方法、装置和设备 - Google Patents

数据处理方法、装置和设备 Download PDF

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Publication number
WO2019007336A2
WO2019007336A2 PCT/CN2018/094318 CN2018094318W WO2019007336A2 WO 2019007336 A2 WO2019007336 A2 WO 2019007336A2 CN 2018094318 W CN2018094318 W CN 2018094318W WO 2019007336 A2 WO2019007336 A2 WO 2019007336A2
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WO
WIPO (PCT)
Prior art keywords
user
cost
subsystem
resource
payment
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Application number
PCT/CN2018/094318
Other languages
English (en)
French (fr)
Other versions
WO2019007336A3 (zh
Inventor
崔志伟
Original Assignee
阿里巴巴集团控股有限公司
崔志伟
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 阿里巴巴集团控股有限公司, 崔志伟 filed Critical 阿里巴巴集团控股有限公司
Publication of WO2019007336A2 publication Critical patent/WO2019007336A2/zh
Publication of WO2019007336A3 publication Critical patent/WO2019007336A3/zh
Priority to US16/716,992 priority Critical patent/US20200126069A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Definitions

  • the present application relates to the field of computer software technologies, and in particular, to a data processing method, apparatus, and device.
  • the UE pays the resource cost to the resource system according to the resource event triggered by the resource system, and balances the resource cost paid by the client through the cost balancing system.
  • the cost balancing subsystem receives the resource cost of the user terminal in advance, and pays the resource cost of the resource event for the user end when the user side triggers the resource event, so as to achieve the resource cost balance of the user end.
  • the cost balancing system pays the resource cost in advance for the user, but the user may not trigger the resource event, or the resource cost in the resource event of the client is less than the resource cost paid by the cost balancing system, resulting in a cost balance.
  • the system needs to pay an additional resource cost.
  • the UE first advances the resource cost in the resource system, but needs to adopt a more complicated method, and waits for a long time before the resource cost of the cost balance system payment can be obtained.
  • a data processing method comprising:
  • the cost balancing subsystem sends an authentication request for the user to the cost transfer subsystem, the authentication request being used to request authentication of the user;
  • the cost transfer subsystem sends a targeted electronic voucher to the client of the user according to the authentication result, and the targeted electronic voucher is used as a payment voucher for the user's directed resource cost;
  • the resource subsystem sends a payment request to the cost balancing subsystem through the cost transfer subsystem according to the directed electronic voucher presented by the client of the user, where the payment request is used to request payment of the resource cost of the user;
  • the cost balancing subsystem acknowledges the payment request and transfers the user's resource cost to the resource subsystem through the cost transfer subsystem.
  • a data processing method comprising:
  • the authentication request is used to request authentication of the user
  • the payment request is used to request payment of a resource cost of the user of the user, where the payment request is sent by the resource subsystem according to the directed electronic voucher presented by the user of the user,
  • the targeted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result;
  • the payment request is confirmed and the resource cost of the user is transferred to the resource subsystem by the cost transfer subsystem.
  • a data processing method comprising:
  • the authentication request is used to request authentication of the user;
  • Authenticating the user and sending, according to the authentication result, a targeted electronic voucher to the client of the user, the directional electronic voucher being used as a payment voucher as a target resource cost of the client of the user;
  • the payment instruction is used to pay the resource subsystem a resource cost of the user's client;
  • the resource balance of the user's client is paid from the cost balancing subsystem to the resource subsystem.
  • a data processing method comprising:
  • the cost transfer subsystem sends, by the cost transfer subsystem, a payment request to the cost balancing subsystem according to the directed electronic voucher presented by the user's client, the payment request for requesting payment of the resource cost of the user, wherein the targeted electronic voucher is
  • the cost transfer subsystem sends the directed electronic voucher to the client of the user according to the authentication result of the cost balancing subsystem regarding the user's authentication request, and the directional electronic voucher is used as a payment voucher for the user's directional resource cost;
  • a data processing apparatus comprising:
  • a sending unit configured to send an authentication request about the user to the cost transfer subsystem, where the authentication request is used to request authentication of the user;
  • the transmitted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result
  • the sending unit also transfers the resource cost of the user to the resource subsystem through the cost transfer subsystem.
  • a data processing apparatus comprising:
  • a receiving unit configured to receive an authentication request about a user sent by a cost balancing subsystem, where the authentication request is used to request authentication of the user;
  • An authentication unit that authenticates the user
  • the receiving unit further receives a payment request sent by the resource subsystem according to the directed electronic credential presented by the client of the user, where the payment request is used to request payment of a resource cost of the user client;
  • the sending unit further forwards the payment request to the cost balancing subsystem
  • the receiving unit further receives a payment instruction sent by the cost balancing subsystem according to the payment request, where the payment instruction is used to pay the resource subsystem a resource cost of the client of the user;
  • the payment unit according to the payment instruction, paying the resource cost of the user's client from the cost balancing subsystem to the resource subsystem.
  • a data processing apparatus comprising:
  • the voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result of the cost balancing subsystem regarding the authentication request of the user, and the directed electronic voucher is used as a payment voucher for the user's directed resource cost;
  • a receiving unit receiving a resource cost of the user transferred by the cost transfer subsystem from the cost balancing subsystem according to a payment instruction, wherein the payment instruction is performed by the cost balancing subsystem on the payment request forwarded by the cost transfer subsystem After the confirmation is sent to the cost transfer subsystem, the payment instruction is used to pay the user's resource cost.
  • an electronic device comprising:
  • a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the following operations:
  • the payment request is used to request payment of a resource cost of the user of the user, where the payment request is sent by the resource subsystem according to the directed electronic voucher presented by the user of the user,
  • the targeted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result;
  • the payment request is confirmed and the resource cost of the user is transferred to the resource subsystem by the cost transfer subsystem.
  • an electronic device comprising:
  • a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the following operations:
  • the authentication request is used to request authentication of the user;
  • Authenticating the user and sending, according to the authentication result, a targeted electronic voucher to the client of the user, the directional electronic voucher being used as a payment voucher as a target resource cost of the client of the user;
  • the payment instruction is used to pay the resource subsystem a resource cost of the user's client;
  • the resource balance of the user's client is paid from the cost balancing subsystem to the resource subsystem.
  • an electronic device comprising:
  • a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the following operations:
  • the cost transfer subsystem sends, by the cost transfer subsystem, a payment request to the cost balancing subsystem according to the directed electronic voucher presented by the user's client, the payment request for requesting payment of the resource cost of the user, wherein the targeted electronic voucher is
  • the cost transfer subsystem sends the directed electronic voucher to the client of the user according to the authentication result of the cost balancing subsystem regarding the user's authentication request, and the directional electronic voucher is used as a payment voucher for the user's directional resource cost;
  • a computer readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of applications, cause the electronic The device does the following:
  • the authentication request is used to request authentication of the user
  • the payment request is used to request payment of a resource cost of the user of the user, where the payment request is sent by the resource subsystem according to the directed electronic voucher presented by the user of the user,
  • the targeted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result;
  • the payment request is confirmed and the resource cost of the user is transferred to the resource subsystem by the cost transfer subsystem.
  • a computer readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of applications, cause the electronic
  • the device does the following:
  • the authentication request is used to request authentication of the user;
  • the payment instruction is used to pay the resource subsystem a resource cost of the user's client;
  • the resource balance of the user's client is paid from the cost balancing subsystem to the resource subsystem.
  • a computer readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of applications, cause the electronic The device does the following:
  • the cost transfer subsystem sends, by the cost transfer subsystem, a payment request to the cost balancing subsystem according to the directed electronic voucher presented by the user's client, the payment request for requesting payment of the resource cost of the user, wherein the targeted electronic voucher is
  • the cost transfer subsystem sends the directed electronic voucher to the client of the user according to the authentication result of the cost balancing subsystem regarding the user's authentication request, and the directional electronic voucher is used as a payment voucher for the user's directional resource cost;
  • a data processing system comprising: a cost balancing subsystem, a cost transfer subsystem, a resource subsystem, and a user client terminal system,
  • the cost balancing subsystem sends an authentication request for the user to the cost transfer subsystem, the authentication request is used to request authentication of the user;
  • the cost transfer subsystem receives the authentication request and, according to the authentication result, sends a targeted electronic credential to the user client terminal system of the user, the directed electronic credential being used as a payment credential for the user's directed resource cost;
  • the user client terminal system receives the targeted electronic voucher sent by the cost transfer subsystem about the user, and presents the targeted electronic voucher to the resource subsystem;
  • the resource subsystem sends a payment request to the cost balancing subsystem through the cost transfer subsystem according to the directed electronic voucher presented by the client of the user, where the payment request is used to request payment of the resource cost of the user;
  • the cost balancing subsystem also validates the payment request and transfers the user's resource cost to the resource subsystem through the cost transfer subsystem.
  • the solution provided by the embodiment of the present application can complete the authentication of the user and issue the targeted electronic voucher through the cost transfer subsystem, and request payment from the cost balancing subsystem according to the directed electronic voucher at the resource subsystem. Orienting the resource cost corresponding to the electronic voucher, and then, according to the cost balancing subsystem, confirming the payment, and completing the payment of the resource cost through the cost transfer subsystem, thereby enabling the user to reduce the resource cost payment cycle while reducing or avoiding the cost balancing system. Pay an additional resource cost.
  • FIG. 1 is a flowchart of a data processing method according to an embodiment of the present application.
  • FIG. 2 is an interaction flowchart of an insurance claim according to an embodiment of the present application.
  • FIG. 3 is a flow chart of interaction of insurance claims according to another embodiment of the present application.
  • FIG. 4 is a flow chart of a data processing method of another embodiment of the present application.
  • FIG. 5 is a flowchart of a data processing method according to still another embodiment of the present application.
  • FIG. 6 is a flow chart of a data processing method according to still another embodiment of the present application.
  • FIG. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • FIG. 8 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application.
  • FIG. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • FIG. 10 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application.
  • FIG. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • FIG. 12 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application.
  • the embodiment of the present application provides a claim method, a claims system, and a payment system server of an insurance service.
  • the embodiment of the present application takes the claim scenario as an example for illustration.
  • the client for example, a user insured by an insurance company; a cost balancing subsystem, such as an insurance company, collects insurance premiums from the user and pays the user for the cost of repairing the vehicle maintenance to achieve a balance of user fees; 4S shop/repair factory, providing vehicle maintenance (resources) for users, and charging for vehicle maintenance (resource cost); user-side triggering resource events, for example, user maintenance at 4S shop/repair factory.
  • FIG. 1 is a flow chart of a data processing method of an embodiment of the present application.
  • the method of Figure 1 can include:
  • the cost balancing subsystem sends an authentication request about the user to the cost transfer subsystem.
  • the authentication request is used to request authentication of the user.
  • the cost balancing subsystem may be used to balance the directional resource cost of the user, and pay the user the directional resource cost to the resource system.
  • the authentication request is used to request authentication of the user.
  • the authentication of the user may include: authenticating whether the account corresponding to the user exists in the cost transfer subsystem; and/or authenticating the credit indicator or the risk indicator of the user.
  • the cost transfer subsystem sends the targeted electronic voucher to the client of the user according to the authentication result.
  • the targeted electronic voucher is used as a payment voucher as a cost of the directed resource of the user.
  • the cost transfer subsystem is used to implement the transfer of the resource cost, specifically, the resource cost transfer from the cost balance subsystem to the resource subsystem.
  • the cost transfer subsystem also has an authentication function for authenticating the user.
  • the resource subsystem sends a payment request to the cost balancing subsystem through the cost transfer subsystem according to the directed electronic voucher presented by the user of the user.
  • the payment request is used to request payment of the resource cost of the user.
  • the resource subsystem is used to provide resources for the user and collect the resource cost.
  • the resource may include a tangible resource, or may include an intangible resource, such as a service resource, and the like.
  • the cost balancing subsystem confirms the payment request, and transfers the resource cost of the user to the resource subsystem through the cost transfer subsystem.
  • the insurance service provider sends an authentication request about the user to the payment system server, where the authentication request is used to request authentication of the user;
  • the server of the payment system authenticates the user, and after the user passes the authentication, sends the insurance card to the account in the payment system, wherein the insurance card is used for settlement of the claim fee of the user;
  • the insurance business service party uses the insurance card voucher of the user to complete the settlement of the claim fee of the user;
  • the insurance business service sends an insurance card settlement request to the payment system server, and the insurance card settlement request is used to settle the claim fee;
  • the payment system server sends a payment request to the insurance service provider according to the insurance card settlement request, and the payment request is used to request payment of the claim fee;
  • the insurance service provider reviews and confirms the claim fee corresponding to the insurance card voucher according to the payment request;
  • a payment instruction is sent to the payment system server, and the payment instruction is used for the account of the insurance service provider to pay the insurance fee corresponding to the insurance card to the account of the insurance service provider.
  • the user's authentication is completed by the cost transfer subsystem and the targeted electronic voucher is issued, and the resource corresponding to the electronic voucher is requested by the cost transfer subsystem to the cost balancing subsystem according to the directed electronic voucher at the resource subsystem.
  • the cost and then the subsystem's acknowledgment of the payment based on the cost, completes the payment of the resource cost through the cost transfer subsystem, thereby enabling the client to reduce the costing of the resource cost while reducing or avoiding the additional resource cost of the cost balancing system.
  • the authentication request further carries information indicating the directed resource of the user, where the directed electronic credential also carries information indicating the directed resource of the user, and the identifier information of the directed resource directed to the user is used for Identifies the object that has access to the directed electronic voucher. Further, the identification information of the directed resource directed to the user is used to determine the resource cost that the cost transfer subsystem should bear.
  • the information directed to the user's directed resources may include identification information of objects that are intended to use the directed resources, and/or identification information of the user.
  • an object to be used for directional resources that is, an insured vehicle
  • the directional electronic voucher can carry identification information of the insured vehicle, such as a license plate number, a frame number, an engine number, a model, and a vehicle body.
  • identification information such as color, and so on.
  • the identification information of the user for example, a plurality of types of identification information such as the identity of the user, the mobile phone number, and the like.
  • the information directed to the targeted resource of the user may also include identification information of the directed resource.
  • the identification information of the directed resource may be the identifier of the maintenance item.
  • a repair item is a front glass of the domestic vehicle, and the identification number is 0111.
  • the identification information of the directed resource may be in various ways, such as a name, an encoding, and the like.
  • step S106 is specifically implemented as: when the resource usage object corresponding to the resource cost of the user is an object that has the right to use the directional electronic certificate, and the resource corresponding to the resource cost of the user includes the orientation.
  • the resource subsystem sends a payment request to the cost balancing subsystem through the cost transfer subsystem according to the directed electronic credential presented by the client of the user.
  • an insurance card issued by an insurance company may carry a license plate number, a model, and a maintenance item to pay for the maintenance of a designated maintenance item of the designated vehicle.
  • the insurance card In the garage, if the repaired car is not the vehicle corresponding to the license plate number or the vehicle of other models, the insurance card cannot be used; if the repair item does not include the maintenance item in the insurance card, the vehicle cannot be used. Insurance card voucher.
  • the targeted electronic voucher also carries expiration date information.
  • the validity period information is used to define an effective use period of the targeted electronic voucher.
  • the user can only use the insurance between June 30, 2017 and August 31, 2017. Card vouchers, otherwise the insurance card vouchers will be invalid.
  • the step S106 may be specifically implemented as follows: if the directional electronic voucher carries the expiration date information, and the current date is within the validity period, the resource subsystem passes the cost transfer subsystem according to the directional electronic voucher presented by the user client. The cost balancing subsystem sends a payment request.
  • the directed electronic credential is also identified by a resource subsystem.
  • the resource subsystem identifier is used to define a resource subsystem that has the right to use the directed electronic credential.
  • the insurance card issued by the insurance company is designated as repair shop A and 4S shop B
  • the user can only use the insurance card voucher for repair at the repair shop A or 4S shop B.
  • the insurance card cannot be used in other repair locations. .
  • the step S106 may be specifically implemented as follows: if the directional electronic voucher carries the resource subsystem identifier, and the identifier of the resource subsystem is one of the resource subsystem identifiers carried by the directional electronic credential, the resource subsystem is based on the user client.
  • the directed electronic voucher presented by the terminal transmits a payment request to the cost balancing subsystem through the cost transfer subsystem.
  • the directional electronic voucher may carry one or two of the validity period information and the resource subsystem identification information. Accordingly, in step S106, the condition corresponding to the one or two information should be satisfied.
  • the authentication result includes a credit indicator/risk indicator of the user, where the targeted electronic voucher carries the credit indicator/risk indicator of the user.
  • the client of the user receives the targeted electronic voucher, including: if the credit indicator of the user is lower than a predetermined credit indicator, or the risk indicator of the user is higher than a predetermined risk indicator, performing risk authentication on the user, and The directional electronic voucher is confirmed after the certification is passed.
  • the risk authentication of the user may be performed when the user confirms the targeted electronic voucher according to the credit indicator or the risk indicator of the user, which may further improve the security of the system.
  • the payment request further carries the credit indicator/risk indicator of the user, wherein, in step S108, the cost balancing subsystem confirms the payment request, including: the cost balancing subsystem according to the credit indicator/risk indicator of the user The corresponding confirmation method confirms the payment request.
  • the corresponding confirmation method is selected to confirm the payment request, and the confirmation efficiency can be improved while taking into consideration the risk.
  • the cost balancing subsystem confirms the payment request, including: the cost balancing subsystem confirms the payment request according to the credit indicator/risk indicator of the user and the confirmation manner corresponding to the resource cost.
  • the corresponding confirmation method is selected to confirm the payment request, and the confirmation efficiency can be improved while taking into consideration the risk.
  • the payment request carries one of the following information:
  • the cost verification method corresponding to the resource project identifier and the resource project identifier
  • the resource item identification, the cost item verification method corresponding to the resource item identifier, and the resource cost ratio that the cost balance subsystem should bear are described.
  • an authentication request for the user is sent to the cost transfer subsystem.
  • the cost balancing subsystem includes a fee settlement system applied to an insurance company; the cost transfer subsystem includes a payment system; the resource subsystem includes a fee settlement system applied to a repair shop, a 4S shop, or a medical insurance point.
  • the insurance service provider sends the user's authentication request to the payment system server.
  • the authentication request is sent to the payment system server.
  • the insurance service provider sends the user's authentication request to the payment system server.
  • the authentication request may be sent to the payment system server.
  • the payment request further carries the risk information of the user; the insurance service provider determines an audit level corresponding to the risk information of the user, and reviews the claim fee corresponding to the insurance card voucher at the audit level.
  • the insurance service provider can determine the audit level of the payment confirmation for different risk levels of different users, thereby enabling the security audit of the payment to be taken into consideration. Audit efficiency.
  • the user's risk information is only a reference factor for the audit level.
  • the insurance service provider determines an audit level corresponding to the user's risk information, and reviews the claim fee corresponding to the insurance card coupon at the audit level, including: when the user's risk When the index is less than the predetermined threshold, the claim fee corresponding to the insurance card certificate is directly confirmed.
  • the risk is extremely small, and the possibility of fraudulent insurance is extremely low, and the claim fee corresponding to the insurance card coupon can be directly confirmed.
  • the insurance card settlement request carries information related to the claim fee, and the related information of the claim fee may include one of the following:
  • the insurance card corresponding to the charging item and settlement method
  • the charge item corresponding to the insurance card voucher, the proportion of the insurance business service party, and the settlement method is the charge item corresponding to the insurance card voucher, the proportion of the insurance business service party, and the settlement method.
  • the cost balance subsystem that is, the insurance service provider or the insurance company
  • the resource subsystem that is, the insurance service provider, or the repair shop/4S shop
  • the cost transfer subsystem that is, the payment system Server.
  • the insurance company signs a contract with the payment system server.
  • the insurance company needs to complete the contract work with the payment system server, such as Alipay, to obtain the card issue function. In this way, the insurance company can have the right to send the insurance card to the user.
  • the payment system server such as Alipay
  • the insurance card voucher is a voucher for the user to perform vehicle maintenance at the repair shop/4S shop and pay the repair shop/4S shop.
  • the insurance claim party opens an account at the payment system server.
  • the relevant party of the insurance claim includes the insured party (user), the insurance service provider (insurance company), and the insurance business service party (maintenance factory/4S shop).
  • the relevant party of the insurance claim needs to open an account in the payment system, so that the payment system server such as Alipay can recognize the identity of the user.
  • the process of opening an account by a user may be similar to the process of opening a general account in the payment system, and will not be described again.
  • the insurance company needs to have the function of issuing the insurance card voucher and confirming the payment of the insurance card voucher.
  • the repair shop/4S shop needs to have the function of writing off the insurance card voucher, and usually needs to set different permissions from the ordinary account.
  • the insurance company can cooperate with the payment system server such as Alipay to open or register the account of the repair shop/4S shop, etc. At the same time, the insurance company also needs to open its own account in the payment system.
  • the identifier that the payment system server can use to identify the identity of the user is not limited to the account number, and may be other identifiers of the user.
  • the user reports the auto insurance to the insurance company.
  • the two parties When reporting, you need to provide information about the vehicle, such as license plate number, model, damage, and so on.
  • the user may also need to provide different information. For example, in the event of an accident, the two parties must submit a self-negotiating settlement agreement or a traffic police certificate, three license plate numbers, driver information, whether the three are insured for strong insurance information, three maintenance tickets or a one-time negotiation payment certificate, and so on.
  • the insurance company conducts a report review.
  • step 210 After the insurance company conducts surveys, damages, and claims according to the user's report information, if it is determined that the user meets the insurance compensation conditions, step 210 is performed; otherwise, the insurance company may perform the chargeback treatment according to the terms and conditions.
  • the insurance company sends an authentication request to the payment system server.
  • the insurance company sends an authentication request to the payment system server through an interface with the payment system server, requesting authentication of the user.
  • the authentication of the user may be, for example, authentication of the identity of the user, including whether the account is activated in the payment system, and the like.
  • at least one identity identification information such as the identity information of the user, the identity information of the user, the account information of the user, and the mobile phone number of the user may be carried.
  • the authentication of the user may also include credit authentication to the user.
  • the identifier of the object used by the maintenance item corresponding to the insurance claim fee may also be carried.
  • the identification of the insured vehicle may be, for example, one or more of a license plate number, a model number, a frame number, and an engine number.
  • the insurance company may also carry information about the maintenance items involved in the current auto insurance claim, such as door replacement, front glass replacement, and the like. Maintenance items can be represented by project identification.
  • the insurance company reviews the user by using the information of the user in the payment system, and can avoid the occurrence of fraudulent protection to a certain extent.
  • the payment system server sends the insurance card certificate after the authentication is passed.
  • the payment system server After receiving the authentication request from the insurance company, the payment system server needs to authenticate the user.
  • the server of the payment system can authenticate whether the user has an Alipay account, whether the credit indicator/risk indicator of the user meets the preset insurance compensation condition.
  • the user's credit indicator/risk indicator can be determined by various indicators, such as the activity of the user account, the credit score of the user account, the car insurance score of the user account, and the like.
  • the car insurance score of the user account may be comprehensively determined according to the user driving behavior, the historical risk record, and the credit information related to the sesame credit record, and the car insurance risk may be determined according to the relevant credit information, and the risk evaluation level of the vehicle insured by the user. Or risk assessment index, and so on.
  • the preset insurance compensation condition may include, for example, one or more of the following: opening the real name authentication, the activity level is greater than the first predetermined threshold, the credit score being greater than the second predetermined threshold, the vehicle risk score being greater than the third predetermined threshold, and the like.
  • the payment system server confirms that the user has not opened the account, it is obvious that the user needs to open the account, and then the insurance company resends the authentication request, or the payment system server can periodically check whether the user opens the account, and performs subsequent authentication after the user opens the account. .
  • the payment system server may be reminded to perform relevant operations to meet the preset insurance compensation conditions, or to feed back relevant information to the insurance. the company. For example, if the user does not open the real-name authentication, the payment system server may remind the user to open the real-name authentication; for example, if the payment system server finds that the user signal is extremely low and is blacklisted, the payment system server may list the user. Information on the blacklist is fed back to the insurance company, and so on.
  • the insurance card certificate may be sent to the user.
  • the insurance card can carry the identity of the user or the identity (vehicle license plate) information of the maintenance vehicle.
  • the insurance card voucher is a car insurance claim card voucher, and is used for payment of the maintenance cost corresponding to the insured car insurance type of the car insurance insured person.
  • the proportion of the maintenance cost that the automobile insurance claim card can pay is the proportion that the insurance company should bear in the maintenance cost, which may be all or part of it.
  • the payment system server may also record the user's credit indicator/risk indicator in the insurance card.
  • the insurance company can determine the criteria for payment review based on the user's credit/risk indicators. The higher the risk of the user (the lower the credit), the stricter the standard of payment review; the lower the risk of the user (the higher the credit), the more relaxed the standard of payment review, and the direct confirmation of payment without review.
  • the user who meets the insurance compensation conditions will receive the information of the insurance card coupon sent by Alipay.
  • the risk check may be added during the process of receiving the insurance card by the user.
  • the face authentication of the user is triggered by the payment application client, and the face information of the user is sent to the payment system for identity verification. If the verification passes, the user is allowed to receive the insurance card. If the verification fails, the user is rejected, and in addition, the receiving user may be prompted to be illegal and recorded in the user's authentication information.
  • the user finds a repair location.
  • the user can find the repair location and perform repairs.
  • the user can find the repair location signed by the insurance company through the existing conventional means and go to the repair. For example, consulting an insurance company by phone, searching through an online search engine, and so on.
  • the user can find a repair shop/4S shop contracted with an insurance company through a navigation module integrated in the payment system client, such as GPS navigation, AR navigation, map navigation, and the like.
  • the user can find the designated repair shop/4S shop; or the repair shop/4S shop list returned by the user navigable module can select the repair shop/4S shop that meets his requirements, for example, the nearest one, or the most convenient traffic, or It is the best word of mouth; or, the user can select the specified range, the navigation module returns to the repair shop / 4S shop within the specified range, and so on.
  • the payment system server can also directly push the appropriate repair shop/4S shop to the user for the user to choose.
  • the information pushed by the server of the payment system may include one or more of distance, road condition information, user evaluation, and the like.
  • the user by searching the service location by the payment system server, the user can directly find the location of the repair location through the payment system client, thereby providing a better experience for the user.
  • the repair shop/4S shop contracted with the insurance company may save the insurance company for some reasons, searching by other means may result in the searched repair location not being the designated repair location of the insurance company.
  • the insurance company can maintain the repair location information contracted with the insurance company in the payment system, thereby ensuring that the user navigates to the repair location contracted with the insurance company according to the navigation function in the payment system client.
  • the user uses the insurance card coupon.
  • the user can use the insurance card coupon by scanning or scanning the code during maintenance.
  • the interface of the insurance card coupon appears, and then the insurance card coupon is selected for use, thereby completing the use of the insurance card coupon.
  • the manner in which the user is scanned displays a barcode carrying the user identification information, or directly displays a barcode for indicating the insurance card identification, or the insurance card is in the form of a barcode.
  • the user directly displays the insurance card.
  • the barcode may be, for example, a one-dimensional code, a two-dimensional code, or the like.
  • the user can also use the insurance card in other ways.
  • the insurance card can also be a string of characters that the user can enter by entering the string in the client software of the repair shop/4S shop.
  • the current time stamp may also be carried to avoid the insurance card being reused.
  • the repair shop/4S shop sends an insurance card settlement request to the payment system server.
  • the repair shop/4S shop obtains the information of the insurance card voucher by scanning code, scanned code or string input, thereby obtaining relevant information of the user. For example, the identity information of the user or the identity information of the vehicle.
  • the repair shop / 4S shop can also get the user's maintenance project information, the proportion of maintenance costs incurred by the user, and so on.
  • the information may be obtained through the interface of the payment system server, but only through the system interface between the repair shop/4S shop and the insurance company.
  • the repair shop/4S shop can determine the maintenance item and the proportion of the cost of the user, and then determine the fee settlement information, and send the insurance card settlement request to the payment system server to request the settlement of the insurance card corresponding fee.
  • the insurance card settlement interface provided by the payment system server is required.
  • the information related to the claim fee includes the amount of the fee that the insurance company should bear; for example, the information about the claim fee includes the maintenance item and the settlement method.
  • the information related to the claim fee may also include the proportion of the insurance company or the user's commitment to determine the proportion of the insurance company and the user in the entire settlement fee.
  • the insurance company can stipulate that the maintenance cost of the repair shop is 1,000 yuan, and the cost of the 4S shop is 1,500 yuan.
  • the maintenance cost is 1,000 yuan; when it is settled by the 4S shop, the maintenance cost is 1,500 yuan.
  • the repair shop may carry a message with a fee of 1,000 yuan in the insurance card settlement request, or carry the maintenance item as a replacement glass, and the settlement method is the information of the repair shop.
  • the insurance card settlement request can also carry the cost commitment ratio. For example, if the user's liability is 30%, the insurance card settlement request may carry the insurance company's cost-bearing ratio of 70%.
  • the same user's cost commitment ratio for different maintenance projects can be the same or different.
  • the repair shop/4S shop when the insurance card is used, the repair shop/4S shop also needs to write off the insurance card voucher, and mark the insurance card voucher as used.
  • the insurance card settlement request may also be referred to as an insurance card verification request, and may be used to request the cancellation of the insurance card in addition to the fee for requesting settlement of the insurance card.
  • the payment system server sends a payment request to the insurance company.
  • the payment system server may send a payment request to the payment system server.
  • the payment request may carry relevant information about the claim fee, such as a maintenance item and a settlement method, or a settlement amount.
  • the payment request may further carry one or more of the user's identification information, the user's risk information, and the like.
  • the user's risk information can be used by the insurance company to select a payment determination method that matches the user's risk information.
  • the insurance company makes a payment confirmation.
  • the insurance company After the insurance company receives the payment request, it can confirm the payment.
  • the insurance company can automatically confirm the payment request or manually confirm the payment request.
  • the insurance company manually confirms the payment request.
  • the risk confirmation information in the payment request can be used to determine the mode of audit confirmation: the higher the risk of the user (the lower the credit), the stricter the standard of the payment review; the lower the risk of the user ( The higher the credit, the more lenient the payment review is, and the payment can be confirmed directly without review.
  • the way the insurance company audits and confirms for example, can confirm by telephone offline, check whether the frequency of insurance report is abnormal, and so on.
  • the insurance company sends a payment instruction to the payment system server.
  • the insurance company After the insurance company confirms the payment, it can send a payment instruction to the account B opened by the repair shop/4S shop in the payment system server through the account A opened in the server of the payment system. For example, if the insurance company needs to pay 1000 yuan to the repair shop/4S shop, it will send a payment instruction, request the payment system server to transfer 1000 yuan from account A to account B, and so on.
  • the identification information of the insurance card coupon, or the identification information of the user, or the identification information of the vehicle may be carried, so that the repair shop/4S shop can find the corresponding wealth management card ticket record and perform the cost verification.
  • the payment system server after receiving the payment instruction, completes the payment to the repair shop/4S shop.
  • the payment system server can deduct the amount to be paid in the account of the insurance company, and increase the corresponding amount in the account of the repair shop/4S shop to complete the payment.
  • the repair shop/4S shop will receive the payment from the insurance company.
  • the entire process of receiving payment from the car insurance report to the repair shop/4S shop ends.
  • the user does not need to pay the repair company/4S shop for the expenses that the insurance company should bear, so as to realize the quick settlement of the insurance expenses, the insurance company can also prevent the fraudulent incident from happening as much as possible.
  • steps 220-226 are optional.
  • the insurance company can also set the automatic payment confirmation. After receiving the insurance card verification request, the payment system server automatically transfers the account from the insurance company to the account of the repair shop/4S shop to complete the payment.
  • the cost balancing subsystem that is, the insurance service provider or the insurance company
  • the cost transfer subsystem that is, the payment system server
  • the resource subsystem that is, the insurance service provider, or the medical insurance point
  • the medical insurance point may be a hospital or a pharmacy that provides medical insurance services according to the state or local regulations, and may be a hospital or a pharmacy that is contracted by an insurance company, such as a hospital or a pharmacy specified by a state or a locality.
  • the insurance company signs a contract with the payment system server.
  • the insurance company needs to complete the contract work with the payment system server, such as Alipay, to obtain the card issue function. In this way, the insurance company can have the right to send the insurance card to the user.
  • the insurance card voucher is a voucher for the user to pay the medical fee and the drug fee at the medical insurance point.
  • the insurance claims related party opens an account on the payment system server.
  • the relevant parties of the insurance claim include the insured party (user), the insurance service provider (insurance company), and the insurance business service party (medical insurance point).
  • the relevant party of the insurance claim needs to open an account in the payment system, so that the payment system server such as Alipay can recognize the identity of the user. For details, refer to step 204 of FIG. 2, and details are not described herein again.
  • the insurance company sends an authentication request to the payment system server.
  • the insurance company may perform authentication of the user to Alipay when the user is insured or after the user is insured, to evaluate the risk information of the user and send the insurance card to the user.
  • the insurance card is sent.
  • the server of the payment system can authenticate the user in the manner of step 212 in the embodiment shown in FIG. 2, and send the insurance card after the authentication is passed.
  • the insurance card voucher is a medical insurance card voucher, and the medical insurance insured person pays the medical insurance fee in the medical insurance hospital or the medical insurance pharmacy.
  • the user finds a medical insurance point.
  • the user can search for a designated medical insurance point through a navigation module integrated in the payment system client, such as GPS navigation, AR navigation, map navigation, etc., or find a medical insurance point within a specified range.
  • a navigation module integrated in the payment system client, such as GPS navigation, AR navigation, map navigation, etc.
  • find a medical insurance point within a specified range can also find the medical insurance point by other means, which is not limited by the embodiment of the present application.
  • the user uses the insurance card coupon.
  • the user may use the insurance card coupon in various occasions.
  • the insurance card can be used to pay for the portion of the hospitalization fee that the insurance company should bear; for example, after the user sees the clinic at the prescribed medical insurance hospital, the insurance card can be used to pay for the medical treatment.
  • the part that the insurance company should bear in the fee and medical expenses for example, when the user buys the medicine at the prescribed medical insurance pharmacy, the insurance card can be used to pay the part of the medical insurance that the insurance company should bear.
  • the prescribed medical insurance hospital and the prescribed medical insurance pharmacy refer to a hospital or pharmacy that the insurance company stipulates can provide medical insurance, and may include a local designated medical insurance hospital or a medical insurance pharmacy, and may also include non- A designated medical insurance hospital or medical insurance pharmacy.
  • the user may use the insurance card coupon by scanning the code or scanning the code, or use the insurance card coupon by inputting the identification information of the insurance card coupon.
  • the medical insurance point sends a request for the use of the insurance card to the payment system server.
  • the medical insurance point can also obtain the information of the insurance card by scanning code, scanned code or string input, thereby acquiring relevant information of the user.
  • the medical insurance point may determine the fee settlement information according to the charging item related to the medical insurance in the charging item, and the settlement method, and send the insurance card settlement request to the payment system server. Similarly, in the insurance card settlement request, the relevant information of the claim fee can be carried.
  • the information about the claim fee may be expressed in various ways. For example, the information about the claim fee includes the amount of the fee that the insurance company should bear; for example, the information about the claim fee includes the medical insurance charge item and the settlement method.
  • the insurance card voucher can be used as the medical insurance payment voucher, and can be valid during the insurance period. At this time, the medical insurance point does not need to be written off the insurance card voucher; the insurance card voucher can also be One-time, at this time, the medical insurance point needs to be written off the insurance card.
  • the payment system server sends a payment request to the insurance company.
  • the insurance company makes a payment confirmation.
  • the insurance company sends a payment instruction to the payment system server.
  • the payment system server After receiving the payment instruction, the payment system server completes the payment to the medical insurance point.
  • the medical insurance point receives payment.
  • steps 316-324 For the specific implementation of the steps 316-324, reference may be made to the steps 220-228 of FIG. 2, and details are not described herein again.
  • the insurance company needs to re-receive the user when receiving the payment request, or the payment system server receives the insurance card settlement request. Issue insurance card vouchers. Alternatively, the user needs to notify the insurance company to issue a new card coupon offline.
  • the method is performed by a cost balancing subsystem.
  • the method can include:
  • the authentication request is used to request authentication of the user.
  • the payment request is used to request payment of a resource cost of the user's client, and the payment request is sent by the resource subsystem according to the directed electronic certificate presented by the user's client, and the targeted electronic voucher is the cost transfer subsystem. Sent to the client of the user based on the authentication result;
  • the user's authentication is completed by the cost transfer subsystem and the directed electronic voucher is issued, and then the payment request fed back by the cost transfer subsystem is received, and the payment of the resource cost is completed by the cost transfer subsystem, thereby enabling the user to reduce The advancement of the resource cost while reducing or avoiding the cost of the system to pay additional resource costs.
  • FIG. 5 is a flowchart of a data processing method according to an embodiment of the present application.
  • the method is performed by a cost transfer subsystem.
  • the method can include:
  • the authentication request is used to request authentication of the user.
  • S504 The user is authenticated, and according to the authentication result, the targeted electronic voucher is sent to the client of the user.
  • the targeted electronic voucher is used as a payment voucher as a target resource cost of the user's client.
  • the payment request is used to request payment of a resource cost of the user client.
  • the payment instruction is used to pay the resource subsystem a resource cost of the client of the user;
  • the resource balance of the user's client is paid from the cost balancing subsystem to the resource subsystem.
  • the user is authenticated, and after passing the authentication, the insurance card is sent to the user in the account in the payment system, wherein the insurance card is used for settlement of the claim fee of the user;
  • the claim fee is settled according to the insurance card settlement request.
  • the user is authenticated according to the authentication request about the user, and the targeted electronic voucher is issued, and the payment is requested by the resource subsystem, and the payment is requested by the resource balancing subsystem, and is completed after receiving the payment instruction.
  • the payment of the resource cost enables the client to reduce the cost of the resource payment cycle while reducing or avoiding the additional resource cost of the cost balancing system.
  • the specific implementation of the embodiment of the present application may refer to the method performed by the cost transfer subsystem of the embodiment shown in FIG. 1 and the method performed by the payment system server (Alipay) in the embodiment shown in FIG. 2 and FIG. 3, and details are not described herein again.
  • FIG. 6 is a flow chart of a data processing method of an embodiment of the present application.
  • the method is performed by a resource subsystem.
  • the method can include:
  • the payment request is used to request payment of a resource cost of the user, wherein the targeted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result of the authentication request of the cost balancing subsystem with respect to the user.
  • the directed electronic voucher is used as a payment voucher for the user's directed resource cost.
  • the payment instruction is sent by the cost balancing subsystem to the cost transfer subsystem after confirming the payment request forwarded by the cost transfer subsystem, and the payment instruction is used to pay the resource cost of the user.
  • the resource transfer cost corresponding to the directional electronic voucher is requested by the cost transfer subsystem, and then the resource cost transferred by the cost transfer subsystem from the cost balance subsystem is received, thereby enabling The client reduces the advancement of resource costs while reducing or avoiding the cost of the system to pay for additional resources.
  • FIG. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • the electronic device includes a processor, optionally including an internal bus, a network interface, and a memory.
  • the memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk memory.
  • RAM high-speed random access memory
  • non-volatile memory such as at least one disk memory.
  • the electronic device may also include hardware required for other services.
  • the processor, the network interface, and the memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended) Industry Standard Architecture, extending the industry standard structure) bus.
  • the bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one double-headed arrow is shown in Figure 7, but it does not mean that there is only one bus or one type of bus.
  • the program can include program code, the program code including computer operating instructions.
  • the memory can include both memory and non-volatile memory and provides instructions and data to the processor.
  • the processor reads the corresponding computer program from the non-volatile memory into memory and then runs to form a program of the data processing device at a logical level.
  • the processor executes the program stored in the memory and is specifically used to perform the following operations:
  • the authentication request is used to request authentication of the user
  • the payment request is used to request payment of a resource cost of the user of the user, where the payment request is sent by the resource subsystem according to the directed electronic voucher presented by the user of the user,
  • the targeted electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result;
  • the payment request is confirmed and the resource cost of the user is transferred to the resource subsystem by the cost transfer subsystem.
  • the method performed by the cost balancing subsystem disclosed in the embodiment shown in FIG. 1 of the present application, and the method executed by the insurance service provider (insurance company) of the embodiment shown in FIG. 2 and FIG. 3 can be applied to the processor, or Implemented by the processor.
  • the processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method may be completed by an integrated logic circuit of hardware in a processor or an instruction in a form of software.
  • the above processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; or may be a digital signal processor (DSP), dedicated integration.
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present application may be directly implemented by the hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory, and the processor reads the information in the memory and combines the hardware to complete the steps of the above method.
  • the user's authentication is completed by the cost transfer subsystem and the directed electronic voucher is issued, and then the payment request fed back by the cost transfer subsystem is received, and the payment of the resource cost is completed by the cost transfer subsystem, thereby enabling the user to reduce The advancement of the resource cost while reducing or avoiding the cost of the system to pay additional resource costs.
  • the electronic device can also perform the method of FIG. 4 and implement the functions of the cost balancing subsystem in the embodiment shown in FIG. 1, and the functions of the insurance service provider (insurance company) in the embodiment shown in FIG. 2, FIG. Let me repeat.
  • the embodiment of the present application further provides a computer readable storage medium storing one or more programs, the one or more programs including instructions, when the portable electronic device is included in a plurality of applications When executed, the portable electronic device can be caused to perform the method of the embodiment shown in FIG.
  • FIG. 8 is a schematic structural diagram of a message data processing apparatus 800 according to an embodiment of the present application.
  • the data processing apparatus may include:
  • the sending unit 810 sends an authentication request about the user to the cost transfer subsystem, where the authentication request is used to request authentication of the user;
  • the receiving unit 830 receives a sending payment request sent by the cost transfer subsystem, where the payment request is used to request a resource cost of the client of the user, where the payment request is the directional electronic that the resource subsystem presents according to the client of the user.
  • the vouching is sent by the cost transfer subsystem to the client of the user according to the authentication result;
  • Confirmation unit 820 confirms the payment request
  • the sending unit 810 also transfers the resource cost of the user to the resource subsystem through the cost transfer subsystem.
  • the user's authentication is completed by the cost transfer subsystem and the directed electronic voucher is issued, and then the payment request fed back by the cost transfer subsystem is received, and the payment of the resource cost is completed by the cost transfer subsystem, thereby enabling the user to reduce The advancement of the resource cost while reducing or avoiding the cost of the system to pay additional resource costs.
  • the data processing apparatus 800 can also perform the method of FIG. 4 and implement the functions of the cost balancing subsystem in the embodiment illustrated in FIG. 1, and the functionality of the insurance service provider (insurance company) in the embodiments illustrated in FIGS. 2 and 3. No longer.
  • FIG. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • the electronic device includes a processor, optionally including an internal bus, a network interface, and a memory.
  • the memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk memory.
  • RAM high-speed random access memory
  • non-volatile memory such as at least one disk memory.
  • the electronic device may also include hardware required for other services.
  • the processor, the network interface, and the memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended) Industry Standard Architecture, extending the industry standard structure) bus.
  • the bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one double-headed arrow is shown in Figure 9, but it does not mean that there is only one bus or one type of bus.
  • the program can include program code, the program code including computer operating instructions.
  • the memory can include both memory and non-volatile memory and provides instructions and data to the processor.
  • the processor reads the corresponding computer program from the non-volatile memory into memory and then runs to form a program of the data processing device at a logical level.
  • the processor executes the program stored in the memory and is specifically used to perform the following operations:
  • the authentication request is used to request authentication of the user;
  • the payment instruction is used to pay the resource subsystem a resource cost of the user's client;
  • the resource balance of the user's client is paid from the cost balancing subsystem to the resource subsystem.
  • the method performed by the cost transfer subsystem disclosed in the embodiment shown in FIG. 1 of the present application, and the method executed by the payment system server (Alipay) of the embodiment shown in FIG. 2 and FIG. 3 can be applied to the processor, or Processor implementation.
  • the processor may be an integrated circuit chip with signal processing capabilities.
  • each step of the above method may be completed by an integrated logic circuit of hardware in a processor or an instruction in a form of software.
  • the above processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; or may be a digital signal processor (DSP), dedicated integration.
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present application may be directly implemented by the hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory, and the processor reads the information in the memory and combines the hardware to complete the steps of the above method.
  • the user is authenticated according to the authentication request about the user, and the targeted electronic voucher is issued, and the payment is requested by the resource subsystem, and the payment is requested by the resource balancing subsystem, and is completed after receiving the payment instruction.
  • the payment of the resource cost enables the client to reduce the cost of the resource payment cycle while reducing or avoiding the additional resource cost of the cost balancing system.
  • the electronic device can also perform the method of FIG. 5 and implement the functions of the cost transfer subsystem in the embodiment shown in FIG. 1, and the functions of the payment system server (Alibaba) in the embodiment shown in FIG. 2 and FIG. Narration.
  • the embodiment of the present application further provides a computer readable storage medium storing one or more programs, the one or more programs including instructions, when the portable electronic device is included in a plurality of applications When executed, the portable electronic device can be caused to perform the method of the embodiment shown in FIG.
  • FIG. 10 is a schematic structural diagram of a message data processing apparatus 1000 according to an embodiment of the present application.
  • the data processing apparatus may include:
  • the receiving unit 1010 receives an authentication request about the user sent by the cost balancing subsystem, where the authentication request is used to request authentication of the user.
  • the sending unit 1020 sends a targeted electronic credential to the client of the user, where the directed electronic credential is used as a payment credential for the directed resource cost of the client of the user;
  • the receiving unit 1010 further receives a payment request sent by the resource subsystem according to the directed electronic certificate presented by the client of the user, where the payment request is used to request payment of a resource cost of the user client;
  • the sending unit 1020 further forwards the payment request to the cost balancing subsystem
  • the receiving unit 1010 further receives a payment instruction sent by the cost balancing subsystem according to the payment request, where the payment instruction is used to pay the resource subsystem a resource cost of the client of the user;
  • the payment unit 1030 pays the resource subsystem of the user's resource cost from the cost balancing subsystem to the resource subsystem.
  • the user is authenticated according to the authentication request about the user, and the targeted electronic voucher is issued, and the payment is requested by the resource subsystem, and the payment is requested by the resource balancing subsystem, and is completed after receiving the payment instruction.
  • the payment of the resource cost enables the client to reduce the cost of the resource payment cycle while reducing or avoiding the additional resource cost of the cost balancing system.
  • the data processing apparatus 1000 can also perform the method of FIG. 5 and implement the functions of the cost transfer subsystem in the embodiment shown in FIG. 1, and the functions of the payment system server (AMB) in the embodiment shown in FIG. 2, FIG. Let me repeat.
  • FIG. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • the electronic device includes a processor, optionally including an internal bus, a network interface, and a memory.
  • the memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk memory.
  • RAM high-speed random access memory
  • the electronic device may also include hardware required for other services.
  • the processor, the network interface, and the memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended) Industry Standard Architecture, extending the industry standard structure) bus.
  • the bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one double-headed arrow is shown in Figure 11, but it does not mean that there is only one bus or one type of bus.
  • the program can include program code, the program code including computer operating instructions.
  • the memory can include both memory and non-volatile memory and provides instructions and data to the processor.
  • the processor reads the corresponding computer program from the non-volatile memory into memory and then runs to form a program of the data processing device at a logical level.
  • the processor executes the program stored in the memory and is specifically used to perform the following operations:
  • the cost transfer subsystem sends, by the cost transfer subsystem, a payment request to the cost balancing subsystem according to the directed electronic voucher presented by the user's client, the payment request for requesting payment of the resource cost of the user, wherein the targeted electronic voucher is
  • the cost transfer subsystem sends the directed electronic voucher to the client of the user according to the authentication result of the cost balancing subsystem regarding the user's authentication request, and the directional electronic voucher is used as a payment voucher for the user's directional resource cost;
  • the method performed by the resource subsystem disclosed in the embodiment shown in FIG. 1 of the present application, and the method executed by the insurance service provider in the embodiment shown in FIG. 2 and FIG. 3 may be applied to the processor or implemented by the processor.
  • the processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method may be completed by an integrated logic circuit of hardware in a processor or an instruction in a form of software.
  • the above processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; or may be a digital signal processor (DSP), dedicated integration.
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • other programmable logic device discrete gate or transistor logic device, discrete hardware component.
  • the methods, steps, and logical block diagrams disclosed in the embodiments of the present application can be implemented or executed.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present application may be directly implemented as a hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory, and the processor reads the information in the memory and combines the hardware to complete the steps of the above method.
  • the resource transfer cost corresponding to the directional electronic voucher is requested by the cost transfer subsystem, and then the resource cost transferred by the cost transfer subsystem from the cost balance subsystem is received, thereby enabling The client reduces the advancement of resource costs while reducing or avoiding the cost of the system to pay for additional resources.
  • the electronic device can also perform the method of FIG. 6 and implement the functions of the resource subsystem in the embodiment shown in FIG. 1, and the functions of the insurance service provider in the embodiment shown in FIG. 2 and FIG. 3, and details are not described herein.
  • the embodiment of the present application further provides a computer readable storage medium storing one or more programs, the one or more programs including instructions, when the portable electronic device is included in a plurality of applications When executed, the portable electronic device can be caused to perform the method of the embodiment shown in FIG.
  • FIG. 12 is a schematic structural diagram of a message data processing apparatus 1200 according to an embodiment of the present application.
  • the data processing apparatus may include:
  • the sending unit 1210 sends, by the cost transfer subsystem, a payment request to the cost balancing subsystem according to the directed electronic voucher presented by the client of the user, where the payment request is used to request payment of the resource cost of the user, wherein the orientation
  • the electronic voucher is sent by the cost transfer subsystem to the client of the user according to the authentication result of the cost balancing subsystem regarding the user's authentication request, and the directed electronic voucher is used as a payment voucher for the user's directed resource cost;
  • the receiving unit 1220 receives the resource cost of the user transferred by the cost transfer subsystem from the cost balancing subsystem according to the payment instruction, where the payment instruction is the payment request forwarded by the cost balancing subsystem to the cost transfer subsystem After the confirmation is sent to the cost transfer subsystem, the payment instruction is used to pay the resource cost of the user.
  • the resource transfer cost corresponding to the directional electronic voucher is requested by the cost transfer subsystem, and then the resource cost transferred by the cost transfer subsystem from the cost balance subsystem is received, thereby enabling The client reduces the advancement of resource costs while reducing or avoiding the cost of the system to pay for additional resources.
  • the data processing apparatus 1200 can also perform the method of FIG. 6 and implement the functions of the resource subsystem in the embodiment shown in FIG. 1, and the functions of the insurance service provider in the embodiment shown in FIG. 2 and FIG. 3, and details are not described herein again.
  • the embodiment of the present application further discloses a data processing system, including: a cost balancing subsystem, a cost transfer subsystem, a resource subsystem, and a user client terminal system.
  • the cost balancing subsystem sends an authentication request for the user to the cost transfer subsystem, the authentication request is used to request authentication of the user;
  • the cost transfer subsystem receives the authentication request and, according to the authentication result, sends a targeted electronic credential to the user client terminal system of the user, the directed electronic credential being used as a payment credential for the user's directed resource cost;
  • the user client terminal system receives the targeted electronic voucher sent by the cost transfer subsystem about the user, and presents the targeted electronic voucher to the resource subsystem;
  • the resource subsystem sends a payment request to the cost balancing subsystem through the cost transfer subsystem according to the directed electronic voucher presented by the client of the user, where the payment request is used to request payment of the resource cost of the user;
  • the cost balancing subsystem also validates the payment request and transfers the user's resource cost to the resource subsystem through the cost transfer subsystem.
  • the cost balancing subsystem may also implement the functions of the cost balancing subsystem of the embodiment shown in FIG. 1, and the functions of the insurance service provider (insurance company) in the embodiment shown in FIG. 2 and FIG.
  • the cost transfer subsystem can also implement the functions of the cost transfer subsystem in the embodiment shown in FIG. 1, and the functions of the payment system server (Alipay) in the embodiment shown in FIG. 2 and FIG. 3;
  • the user client terminal system can also implement the function of the user client in the embodiment shown in FIG. 2.
  • the function of the insured party in the embodiment shown in FIG. 3 will not be described again.
  • 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 computer can be, for example, a personal computer, a laptop computer, a cellular phone, 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.
  • Computer readable media includes both permanent and non-persistent, removable and non-removable media.
  • Information storage can be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media 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 disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.

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Abstract

本申请实施例公开了一种数据处理方法、装置和设备，该方法包括：代价平衡子系统将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；该代价转移子系统根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；资源子系统根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价；该代价平衡子系统确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。

Description

数据处理方法、装置和设备 技术领域
本申请涉及计算机软件技术领域，尤其涉及一种数据处理方法、装置和设备。
背景技术
在现有的资源转移体系中，用户端根据在资源系统触发的资源事件，向资源系统支付资源代价，并通过代价平衡系统平衡用户端支付的资源代价。其中，代价平衡子系统预先接收用户端的资源代价，并在用户端触发资源事件时，为用户端支付在资源事件的资源代价，以实现用户端的资源代价平衡。
在某些情况下，代价平衡系统为用户端提前支付资源代价，但用户端可能未进行触发资源事件，或者用户端进行资源事件中的资源代价小于代价平衡系统支付的资源代价，从而导致代价平衡系统需要支付额外的资源代价。在另一些情况下，用户端在资源系统中先行垫付资源代价，但需要采用较为复杂的方式，等待较长时间后才能够得到代价平衡系统支付的资源代价。
亟需一种方案，以使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
发明内容
本申请实施例的目的是提供一种数据处理方法、装置和设备，以使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
为解决上述技术问题，本申请实施例是这样实现的：
第一方面，提出了一种数据处理方法，该方法包括：
代价平衡子系统将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；
该代价转移子系统根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
资源子系统根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价；
该代价平衡子系统确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
第二方面，提出了一种数据处理方法，该方法包括：
将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；
接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
第三方面，提出了一种数据处理方法，该方法包括：
接收代价平衡子系统发送的关于用户的认证请求，该认证请求用于请求对该用户进行认证；
对该用户进行认证，并根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证；
接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
向该代价平衡子系统转发该支付请求；
接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
第四方面，提出了一种数据处理方法，该方法包括：
根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
第五方面，提出了一种数据处理装置，该装置包括：
发送单元，将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；
接收单元，接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认单元，确认该支付请求；
发送单元，还通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
第六方面，提出了一种数据处理装置，该代价转移包括：
接收单元，接收代价平衡子系统发送的关于用户的认证请求，该认证请求 用于请求对该用户进行认证；
认证单元，对该用户进行认证；
发送单元，根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证；
该接收单元，还接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
该发送单元，还向该代价平衡子系统转发该支付请求；
该接收单元，还接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
支付单元，根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
第七方面，提出了一种数据处理装置，该装置包括：
发送单元，根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收单元，接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
第八方面，提出了一种电子设备，包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，该可执行指令在被执行时使该处理器执行以下操作：
将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该 用户进行认证；
接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
第九方面，提出了一种电子设备，包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，该可执行指令在被执行时使该处理器执行以下操作：
接收代价平衡子系统发送的关于用户的认证请求，该认证请求用于请求对该用户进行认证；
对该用户进行认证，并根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证；
接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
向该代价平衡子系统转发该支付请求；
接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
第十方面，提出了一种电子设备，包括：
处理器；以及
被安排成存储计算机可执行指令的存储器，该可执行指令在被执行时使该处理器执行以下操作：
根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
第十一方面，提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序当被包括多个应用程序的电子设备执行时，使得该电子设备执行以下操作：
将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；
接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
第十二方面，提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序当被包括多个应用程序的电子设备执行时，使得该电子设备执行以下操作：
接收代价平衡子系统发送的关于用户的认证请求，该认证请求用于请求对该用户进行认证；
根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用 于作为该用户的客户端的定向资源代价的支付凭证；
接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
向该代价平衡子系统转发该支付请求；
接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
第十三方面，提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序当被包括多个应用程序的电子设备执行时，使得该电子设备执行以下操作：
根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
第十四方面，提出了一种数据处理系统，包括：代价平衡子系统、代价转移子系统、资源子系统和用户客户端子系统，
该代价平衡子系统，将关于用户的认证请求发送给该代价转移子系统，该认证请求用于请求对该用户进行认证；
该代价转移子系统，接收该认证请求，并根据认证结果，向该用户的用户客户端子系统发送定向电子凭证，该定向电子凭证用于作为该用户的定向资源 代价的支付凭证；
该用户客户端子系统，接收该代价转移子系统发送的关于该用户的该定向电子凭证，并向该资源子系统出示该定向电子凭证；
该资源子系统，根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价；
该代价平衡子系统，还确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
由以上本申请实施例提供的技术方案可见，本申请实施例的方案通过代价转移子系统完成用户的认证并发放定向电子凭证，并在资源子系统处根据定向电子凭证向代价平衡子系统请求支付定向电子凭证对应的资源代价，然后根据代价平衡子系统对支付的确认，通过代价转移子系统完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
附图说明
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本申请的一个实施例数据处理方法流程图。
图2为本申请的一个实施例保险理赔的交互流程图。
图3为本申请的另一个实施例保险理赔的交互流程图。
图4是本申请的另一个实施例数据处理方法流程图。
图5是本申请的再一个实施例数据处理方法流程图。
图6是本申请的再一个实施例数据处理方法流程图。
图7为本申请的一个实施例电子设备的结构示意图。
图8为本申请的一个实施例数据处理装置的结构示意图。
图9为本申请的一个实施例电子设备的结构示意图。
图10为本申请的一个实施例数据处理装置的结构示意图。
图11为本申请的一个实施例电子设备的结构示意图。
图12为本申请的一个实施例数据处理装置的结构示意图。
具体实施方式
本申请实施例提供一种保险业务的理赔方法、理赔系统及支付系统服务端。
为了使本技术领域的人员更好地理解本申请中的技术方案，下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本申请保护的范围。
为了更好地了解本申请中代价平衡子系统、资源系统和用户端，本申请实施例以理赔场景为例进行举例说明。用户端，例如，在保险公司投保的用户；代价平衡子系统，例如，保险公司，从用户中收取保险费用，并为用户支付车辆维修的理赔费用，以实现用户费用的平衡；资源系统，例如，4S店/维修厂，为用户提供车辆维修(资源)，并收取车辆维修的费用(资源代价)；用户端触发资源事件，例如，用户在4S店/维修厂进行车辆维修。
图1是本申请的一个实施例数据处理方法流程图。图1的方法可包括：
S102，代价平衡子系统将关于用户的认证请求发送给代价转移子系统。
其中，该认证请求用于请求对该用户进行认证。
应理解，在本申请实施例中，代价平衡子系统可用于平衡用户的定向资源代价，为用户向资源系统支付用户的定向资源代价。
应理解，在本申请实施例中，认证请求用于请求对用户进行认证。具体地，对用户的认证，可包括：对代价转移子系统中是否存在用户对应的账户进行认 证；和/或,对用户的信用指标或风险指标进行认证。
S104，该代价转移子系统根据认证结果，向该用户的客户端发送定向电子凭证。
其中，该定向电子凭证用于作为该用户的定向资源代价的支付凭证。
应理解，在本申请实施例中，代价转移子系统用于实现资源代价的转移，具体地，用于从代价平衡子系统向资源子系统进行资源代价的转移。
此外，本申请实施例中，代价转移子系统还兼具认证的功能，用于对用户进行认证。
S106，资源子系统根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求。
其中，该支付请求用于请求支付该用户的资源代价。
应理解，在本申请实施例中，资源子系统用于为用户提供资源，并收取资源代价。在具体的应用中，该资源可以包括有形的资源，也可以包括无形的资源，例如服务资源，等等。
S108，该代价平衡子系统确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
以保险公司的保险理赔为例，本申请实施例的方案可实现为：
保险业务提供方将关于用户的认证请求发送给支付系统服务端，其中，该认证请求用于请求对用户进行认证；
支付系统服务端对该用户进行认证，并在用户通过认证后向用户在支付系统中的账号发送保险卡券，其中，该保险卡券用于该用户的理赔费用的结算；
保险业务服务方使用该用户的该保险卡券完成该用户的理赔费用的结算；
该保险业务服务方向该支付系统服务端发送保险卡券结算请求，该保险卡券结算请求用于请对该理赔费用进行结算；
该支付系统服务端根据该保险卡券结算请求，向该保险业务提供方发送支付请求，该支付请求用于请求支付该理赔费用；
该保险业务提供方根据该支付请求对该保险卡券对应的理赔费用进行审核确认；
在审核通过后，向该支付系统服务端发送支付指令，该支付指令用于该保险业务提供方的账户向该保险业务服务方的账户支付该保险卡券对应的理赔费用。
本申请实施例中，通过代价转移子系统完成用户的认证并发放定向电子凭证，并在资源子系统处根据定向电子凭证，通过代价转移子系统向代价平衡子系统请求支付定向电子凭证对应的资源代价，然后根据代价平衡子系统对支付的确认，通过代价转移子系统完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
可选地，作为一个实施例，该认证请求中还携带指向该用户的定向资源的信息，该定向电子凭证也携带指向该用户的定向资源的信息，指向该用户的定向资源的标识信息用于标识有权使用该定向电子凭证的对象。进一步地，指向该用户的定向资源的标识信息用于确定该代价转移子系统应承担的资源代价。
应理解，指向该用户的定向资源的信息，可包括准备使用定向资源的对象的标识信息，和/或用户的标识信息。具体地，例如，在车险理赔中，准备使用定向资源的对象，即被保险车辆，该定向电子凭证可携带被保险车辆的标识信息，例如车牌号、车架号、发动机号、车型、车体颜色等一种或多种标识信息，等等。用户的标识信息，例如，用户的身份标识、手机号等的一种多多种标识信息。
应理解，指向该用户的定向资源的信息，还可包括定向资源的标识信息。例如，在车险理赔中，该定向资源的标识信息，可以是维修项目的标识，例如，某个维修项目为更换车前玻璃为国产车前玻璃，其标识为编号0111。当然，应理解，该定向资源的标识信息，可以有多种方式，例如，名称、编码等等。
可选地，作为一个实施例，步骤S106具体实现为：当该用户的资源代价对应的资源的使用对象为有权使用该定向电子凭证的对象，且该用户的资源代 价对应的资源包括该定向电子凭证中携带的至少一种定向资源时，资源子系统根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求。
例如，在车险理赔中，保险公司发放的保险卡券中可携带车牌号、车型和维修项目，用于支付指定车辆的指定维修项目的维修费用。在修车厂，如果修理的车子不是该车牌号对应的车辆，或者是其它车型的车辆，则不能使用该保险卡券；如果维修项目不包括保险卡券中的维修项目，也不能够使用该保险卡券。
可选地，该定向电子凭证还携带有效期信息。其中，该有效期信息用于限定该定向电子凭证的有效使用期限。
例如，保险公司发放的保险卡券的有效期信息为2017年6月30日至2017年8月31日，则用户只能在2017年6月30日至2017年8月31日之间使用该保险卡券，否则，保险卡券将失效。
此时，步骤S106具体可实现为：如果该定向电子凭证携带有效期信息，且当前日期在该有效期内，则资源子系统根据该用户客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求。
可选地，该定向电子凭证还资源子系统标识。其中，该资源子系统标识用于限定有权使用该定向电子凭证的资源子系统。
例如，保险公司发放的保险卡券指定的维修地点为修理厂A和4S店B，则用户只能在修理厂A或4S店B使用保险卡券进行维修，其它维修地点不能使用该保险卡券。
此时，步骤S106具体可实现为：如果该定向电子凭证携带资源子系统标识，且该资源子系统的标识为该定向电子凭证携带的资源子系统标识之一，则资源子系统根据该用户客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求。
当然，应理解，该定向电子凭证可携带有效期信息和资源子系统标识信息 中的一个或两个信息，相应地，在步骤S106中，应满足该一个或两个信息对应的条件。
可选地，该认证结果包括该用户的信用指标/风险指标，该定向电子凭证中携带该用户的信用指标/风险指标。
进一步地，该用户的客户端接收该定向电子凭证，包括：如果该用户的信用指标低于预定信用指标，或者该用户的风险指标高于预定风险指标，则对该用户进行风险认证，并在认证通过后确收该定向电子凭证。
本申请实施例中，可根据用户的信用指标或风险指标，在用户确收定向电子凭证时对用户进行风险认证，可进一步提高系统的安全性。
进一步地，该支付请求中还携带该用户的信用指标/风险指标，其中，在步骤S108中，代价平衡子系统确认该支付请求，包括：该代价平衡子系统按照该用户的信用指标/风险指标对应的确认方式确认该支付请求。
本申请实施例中，根据用户的信用指标/风险指标的不同，选择对应的确认方式确认该支付请求，可以在兼顾风险的同时提高确认效率。
例如，在保险公司的车险理赔中，如果用户的风险指标极高，则保险公司应以较为严格的确认方式审核该支付请求；如果用户的风险指标极低，则保险公司应以较为宽松的确认方式审核该支付请求，例如，自动确认，等等。
更进一步地，在步骤S108中，代价平衡子系统确认该支付请求，包括：该代价平衡子系统按照该用户的信用指标/风险指标和资源代价对应的确认方式确认该支付请求。
本申请实施例中，根据用户的信用指标/风险指标的不同，以及资源代价的不同，选择对应的确认方式确认该支付请求，可以在兼顾风险的同时提高确认效率。
例如，在医疗保险中，如果用户的信用指标极高，但其要报销的费用也较高，例如20万，则显然在审核确认时，不能只考虑用户的信用指标高就以较宽松的方式进行确认，还需要考虑费用大小的因素。
可选地，该支付请求中携带以下信息之一：
资源代价；
资源项目标识、资源项目标识对应的代价核销方式；
资源项目标识、资源项目标识对应的代价核销方式、代价平衡子系统应承担的资源代价比例。
可选地，作为一个实施例，在代价平衡子系统确认为该用户提供指向该用户的定向资源代价后，将关于该用户的认证请求发送给该代价转移子系统。
可选地，该代价平衡子系统包括应用于保险公司的费用结算系统；该代价转移子系统包括支付系统；该资源子系统包括应用于修理厂、4S店或医保点的费用结算系统。
下面，结合保险理赔的场景，对本申请实施例的方法做进一步的介绍。
可选地，作为一个实施例，在该用户进行保险报案并通过该保险业务提供方的审核确认后，该保险业务提供方将该用户的认证请求发送给该支付系统服务端。
本申请实施例中，可在用户进行保险报案并通过审核确认后，再向支付系统服务端发送认证请求。
可选地，作为一个实施例，在该用户与该保险业务提供方完成保险业务的签约后，该保险业务提供方将用户的认证请求发送给该支付系统服务端。
本申请实施例中，可在用户与保险业务提供方签约后，向支付系统服务端发送认证请求。
可选地，该支付请求中还携带该用户的风险信息；该保险业务提供方确定该用户的风险信息所对应的审核级别，并以该审核级别对该保险卡券对应的理赔费用进行审核。
本申请实施例中，通过在支付请求中携带用户的风险信息，可使得保险业务提供方针对不同用户的不同风险等级，确定支付确认的审核级别，从而能够即兼顾支付的安全审核，又能够兼顾审核效率。
当然，应理解，用户的风险信息只是审核级别的一个参考因素。在具体的应用中，还可能参考其它内容。例如，用户进行保险理赔的支付确认的频率；支付请求中金额的大小，等等。
可选地，作为一个实施例，该保险业务提供方确定该用户的风险信息所对应的审核级别，并以该审核级别对该保险卡券对应的理赔费用进行审核，包括：当该用户的风险指数小于预定阈值时，直接对该保险卡券对应的理赔费用进行确认。
本申请实施例中，对于风险指数小于预定阈值的用户，风险极小，骗保的可能性极低，可直接对该保险卡券对应的理赔费用进行确认。
可选地，该保险卡券结算请求携带该理赔费用的相关信息，该理赔费用的相关信息，可包括以下之一：
该保险卡券对应的理赔费用的金额；
该保险卡券对应的收费项目和结算方式；
该保险卡券对应的收费项目、该保险业务服务方的承担比例和结算方式。
下面将结合具体的实施例，对本申请实施例的方法作进一步的描述。
图2是本申请的一个实施例汽车保险理赔的交互流程图。应理解，在本申请实施例中，代价平衡子系统，即保险业务提供方或保险公司；资源子系统，即保险业务服务方，或维修厂/4S店等；代价转移子系统，即支付系统服务端。
202，保险公司与支付系统服务端签约。
在准备阶段，保险公司需要与支付系统服务端，例如支付宝等完成签约工作，获得卡券的发放功能。这样，保险公司才能够具备向用户发送保险卡券的权限。
在本申请实施例中，保险卡券是用户在维修厂/4S店进行车辆维修、向维修厂/4S店支付的凭证。
204，保险理赔相关方在支付系统服务端开通账号。
在本申请实施例中，保险理赔的相关方，包括被保险方(用户)、保险业 务提供方(保险公司)、保险业务服务方(维修厂/4S店)。保险理赔的相关方需要在支付系统中开通账号，以便支付宝等支付系统服务端能够识别使用者的身份。
用户开通账号的过程可与支付系统中普通账号的开通过程类似，不再赘述。
保险公司需要具备发放保险卡券和确认保险卡券支付的功能，维修厂/4S店等需要具备核销保险卡券的功能，通常需要设置与普通账号不同的权限。具体地，保险公司可与支付宝等支付系统服务端配合，开通或登记维修厂/4S店等的帐号；同时，保险公司也需要在支付系统中开通自己的账号。
当然，应理解，支付系统服务端能够用于识别使用者身份的标识信息，并不仅限于账号，例如，还可以是使用者的其它身份标识，本申请实施例对此不作限制。
206，用户向保险公司进行车险报案。
用户可通过线下、电话、APP、在线网页等方式进行报案。
报案时，需提供车辆的相关信息，例如，车牌号、车型、损坏部位等等。此外，根据用户投保时的保险种类的不同，用户可能还需要提供不同的信息。例如，双方事故中需提交自行协商解决协议书或是交警证明，三者车牌号，驾驶员信息，三者是否投保交强险信息，三者维修票或是一次性协商支付证明，等等。
208，保险公司进行报案审核。
保险公司根据用户的报案信息，进行查勘、定损、核赔后，如果确定用户符合保险赔偿条件，则执行步骤210；否则，保险公司可根据条款要求进行拒赔处理。
210，保险公司向支付系统服务端发送认证请求。
保险公司通过与支付系统服务端之间的接口，向支付系统服务端发送认证请求，请求对用户进行认证。对用户的认证，例如可以是对用户的身份的认证，包括支付系统中是否开通账户，等等。具体地，在认证请求中，可携带用户的 身份标识，例如，用户的身份证件信息、用户的账号信息、用户的手机号等至少一种身份标识信息。此外，对用户的认证，还可包括对用户的信用认证。
当然，应理解，在认证请求中，还可携带保险理赔费用对应的维修项目所使用的对象的标识，即被保险的车辆的标识。被保险的车辆的标识，例如，可以是车牌号、车型、车架号、发动机号等一种或多种。此外，保险公司还可在该认证请求中携带用户本次车险理赔所涉及的维修项目的信息，例如，车门更换、前玻璃更换等等。维修项目可以用项目标识表示。
在本申请实施例中，保险公司借助支付系统中用户的信息，对用户进行审核，可一定程度上避免骗保情况的发生。
212，支付系统服务端在认证通过后发送保险卡券。
支付系统服务端在接收到保险公司的认证请求后，需要对用户进行认证。在本申请实施例中，支付系统服务端可以认证用户是否拥有支付宝帐号，用户的信用指标/风险指标，是否符合预设的保险赔偿条件。
用户的信用指标/风险指标，可通过多种指标来确定，例如，用户账户的活跃度、用户账户的信用分、用户账户的车险分，等等。用户账户的车险分，例如，可以根据用户驾驶行为，历史出险记录，芝麻信用记录相关信用信息等综合确定，该车险分可以是根据这些相关信用信息确定的，关于用户投保的车辆的风险评价等级或风险评价指数，等等。预设的保险赔偿条件，例如，可包括如下的一种或多种：开通实名认证、活跃度大于第一预定阈值、信用分大于第二预定阈值、车险分大于第三预定阈值，等等。
如果支付系统服务端确认用户没有开通账号，显然用户需要开通账号，再由保险公司重新发送认证请求，或者支付系统服务端可定时检查用户是否开通账号，并在用户开通账号后进行后续的认证工作。
如果支付系统服务端对用户认证后，确定用户的信用指标/风险指标没有达到预设的保险赔偿条件，则可提醒用户进行相关操作以符合预设的保险赔偿条件，或者将相关信息反馈给保险公司。例如，用户没有开通实名认证，则支 付系统服务端可提醒用户开通实名认证；又例如，如果支付系统服务端发现用户信号极低，被列入黑名单，则支付系统服务端可将用户被列入黑名单的信息反馈给保险公司，等等。
如果支付系统服务端在认证后确认用户的信用指标/风险指标符合预设的保险赔偿条件后，可向用户发送保险卡券。该保险卡券中可携带用户的身份标识，或者是维修车辆的身份标识(车牌)信息。在本申请实施例中，保险卡券为车险理赔卡券，用于车险参保人员在投保车险类型对应的维修费用的支付。当然，应理解，在本申请实施例中，车险理赔卡券能够支付的维修费用的比例，是保险公司在该维修费用中应承担的比例，可能是全部，也可能是其中的一部分。
当然，应理解，支付系统服务端还可根据将用户的信用指标/风险指标记录在该保险卡券中。
保险公司可在支付阶段，根据用户的信用指标/风险指标，确定支付审核的标准。用户的风险越高(信用越底)，支付审核的标准越严格；用户的风险越低(信用越高)，支付审核的标准越宽松，甚至可以不进行审核直接确认支付。
此时，符合保险赔偿条件的用户，会收到支付宝发送的保险卡券的信息。
当然，应理解，如果用户的风险高于预定阈值，则可在用户接收保险卡券过程中，增加风险校验。例如，通过支付应用客户端触发人脸识别，将用户的人脸信息发送到支付系统中，以进行身份校验。如果校验通过，允许用户接收保险卡券。如果校验不通过，拒绝用户接收，此外，还可提示接收用户非法，并记录到用户的认证信息中。
214，用户查找维修地点。
用户收到保险卡券后，即可查找维修地点，进行维修。用户可通过现有的常规手段找到与保险公司签约的维修地点，前往维修。例如，通过电话咨询保险公司，通过在线搜索引擎搜索，等等。
当然，在本申请实施例中，还可采用更为方便的方案。例如，用户可通过支付系统客户端中集成的导航模块，例如GPS导航、AR导航、地图导航等，查找与保险公司签约的维修厂/4S店。用户可查找指定维修厂/4S店；或者，用户可导航模块返回的维修厂/4S店列表中选择符合自己要求的维修厂/4S店，例如，距离最近的，或者是交通最方便的，或者是口碑最好的；或者，用户可选择指定范围，导航模块返回指定范围内的维修厂/4S店，等等。
当然，支付系统服务端也可直接向用户推送合适的维修厂/4S店，供用户选择。支付系统服务端推送的信息中，可包括距离、路况信息、用户评价等的一种或多种。
在本申请实施例中，通过支付系统服务端查找维修地点，可以使得用户直接通过支付系统客户端查找维修地点的位置，为用户提供更好的体验。
此外，由于与保险公司签约的维修厂/4S店可能因为某些原因与保险公司节约，通过其它方式搜索，可能导致搜索出的维修地点不是保险公司的指定维修地点。在本申请实施例中，保险公司可在支付系统中维护与保险公司签约的维修地点信息，从而保证用户根据支付系统客户端中的导航功能，导航到与保险公司签约的维修地点中。
216，用户使用保险卡券。
具体地，用户在维修时，可通过扫码或被扫码，使用保险卡券。
用户扫码的方式，例如，在扫码之后，出现保险卡券的界面，然后选择保险卡券进行使用，从而完成保险卡券的使用。
用户被扫码的方式，例如，用户选择保险卡券之后，显示出一个携带用户标识信息的条形码，或者直接显示用于表示保险卡券标识的条形码，或者保险卡券就是以条形码的形式存在，用户直接显示该保险卡券。该条形码，例如，可以是一维码、二维码等。
当然，用户还可通过其它方式使用保险卡券。例如，保险卡券还可以是一串字符串，用户可通过在维修厂/4S店的客户端软件中输入该字符串，从而实 现保险卡券的使用。
此外，应理解，在用户出示的保险卡券的信息中，还可以携带当前时间戳，以避免保险卡券被重复使用。
218，维修厂/4S店向支付系统服务端发送保险卡券结算请求。
维修厂/4S店通过扫码、被扫码或字符串输入的方式，获取保险卡券的信息，从而获取用户的相关信息。例如，用户的身份信息，或者是车辆的身份信息。此外，维修厂/4S店还可以得到用户的维修项目信息，用户承担的维修费用比例，等等。当然，应理解，这些信息也可不通过支付系统服务端的接口获取，而只是通过维修厂/4S店与保险公司之间的系统接口获取，本申请实施例对此不作限制。
维修厂/4S店根据用户的相关信息，可确定用户的维修项目、费用承担比例等，进而确定费用结算信息，并向支付系统服务端发送保险卡券结算请求，请求结算保险卡券对应的费用。在保险卡券结算时，需要借助于支付系统服务端提供的保险卡券结算接口。
保险卡券结算请求中，可携带理赔费用的相关信息。理赔费用的相关信息可能有多种表示方式，例如，该理赔费用的相关信息包括保险公司应承担的费用金额；又例如，该理赔费用的相关信息包括维修项目和结算方式。当然，应理解，理赔费用的相关信息，还可包括保险公司或用户的承担比例，以确定保险公司和用户在整个结算费用中应承担的比例。
以维修厂/4S店为例，例如，一个更换玻璃的维修项目，保险公司可规定在维修厂的维修费用是1000元，在4S店的费用是1500元。当维修地点以维修厂的方式结算时，其维修费用为1000元；而以4S店的方式结算时，其维修费用为1500元。假设当前维修地点为修理厂，则维修厂可在保险卡券结算请求中携带费用为1000元的信息，或者在其中携带维修项目为更换玻璃，结算方式为修理厂的信息。当然，保险卡券结算请求中还可携带费用承担比例。例如，用户的责任为30％，则保险卡券结算请求中还可携带保险公司费用承担比 例为70％的信息。此外，同一个用户在不同维修项目的费用承担比例可以相同，也可以不同。
此外，应理解，在本申请实施例中，在使用保险卡券时，维修厂/4S店还需要对保险卡券进行核销，将保险卡券标记为已使用。此时，保险卡券结算请求也可以称为保险卡券核销请求，除了用于请求结算保险卡券对应的费用以外，还可用于请求核销保险卡券。
220，支付系统服务端向保险公司发送支付请求。
支付系统服务端在接受到维修厂/4S店的保险卡券结算请求后，可向支付系统服务端发送支付请求。
其中，该支付请求中可携带理赔费用的相关信息，如维修项目和结算方式，或者结算金额等。
此外，该支付请求中还可携带用户的标识信息、用户的风险信息等的一种或多种。用户的风险信息，可用于保险公司选择与用户的风险信息相匹配的支付确定方式。
222，保险公司进行支付确认。
保险公司收到支付请求后，可进行支付确认。
可选地，保险公司可自动对支付请求进行确认，或者手动对支付请求进行确认。
保险公司手动对支付请求进行确认，例如，可以根据支付请求中的风险信息，确定审核确认的方式：用户的风险越高(信用越底)，支付审核的标准越严格；用户的风险越低(信用越高)，支付审核的标准越宽松，甚至可以不进行审核直接确认支付。
保险公司审核确认的方式，例如，可以通过线下进行电话确认、查询保险报案的频率是否异常，等等。
224，保险公司向支付系统服务端发送支付指令。
保险公司进行支付确认后，可通过在支付系统服务端内开通的账号A，向 维修厂/4S店在支付系统服务端内开通的账号B发送支付指令。例如，保险公司需要向维修厂/4S店支付1000元，则发送一个支付指令，请求支付系统服务端从账号A向账号B转账1000元，等等。当然，在支付指令中，还可携带保险卡券的标识信息，或者是用户的标识信息，或者是车辆的标识信息，以便维修厂/4S店找到对应的理财卡券记录，进行费用核销。
226，支付系统服务端收到支付指令后，向维修厂/4S店完成支付。
支付系统服务端接收到支付指令后，可在保险公司的账号中扣除需要支付的金额，并在维修厂/4S店的账号增加相应的金额，从而完成支付。
228，维修厂/4S店收到支付款。
支付系统服务端完成支付后，维修厂/4S店就会收到保险公司的支付款。
至此，用户从车险报案到维修厂/4S店接收到支付款的整个流程结束。在整个流程中，用户不需要向维修厂/4S店垫付保险公司应承担的费用，从而实现保险费用的快速理赔，保险公司也能够尽可能地防止骗保事件的发生。
当然，应理解，在图2所示实施例中，步骤220-226是可选地。保险公司也可设定自动支付确认，支付系统服务端在收到保险卡券核销请求后，自动从保险公司的账号转账到维修厂/4S店的账号中，完成支付。
图3是本申请的一个实施例健康保险理赔的交互流程图。应理解，在本申请实施例中，代价平衡子系统，即保险业务提供方或保险公司；代价转移子系统，即支付系统服务端；资源子系统，即保险业务服务方，或医保点等。具体地，医保点，可以是国家或地方规定的提供医保服务的医院、药店等，还可以是国家或地方规定的医院、药店之外，保险公司签约的医院、药店等。
302，保险公司与支付系统服务端签约。
与车险流程类似，在准备阶段，保险公司需要与支付系统服务端，例如支付宝等完成签约工作，获得卡券的发放功能。这样，保险公司才能够具备向用户发送保险卡券的权限。在本申请实施例中，保险卡券是用户在医保点支付医疗费和药费的凭证。
304，保险理赔相关方在支付系统服务端开通账号。
在本申请实施例中，保险理赔的相关方，包括被保险方(用户)、保险业务提供方(保险公司)、保险业务服务方(医保点)。保险理赔的相关方需要在支付系统中开通账号，以便支付宝等支付系统服务端能够识别使用者的身份。具体可参考图2的步骤204，不再赘述。
306，保险公司向支付系统服务端发送认证请求。
应理解，在本申请实施例中，保险公司可以在用户投保时，或者在用户投保后，向支付宝进行用户的认证，以评估用户的风险信息并向用户发送保险卡券。
308，支付系统服务端认证通过后发送保险卡券。
支付系统服务端可参照图2所示实施例中步骤212的方式，对用户进行认证，并在认证通过后，发送保险卡券。在本申请实施例中，保险卡券为医保卡券，用于医保参保人员在医保医院或医保药店完成医保费用的支付。
310，用户查找医保点。
在本申请实施例中，用户可通过支付系统客户端中集成的导航模块，例如GPS导航、AR导航、地图导航等，查找指定医保点，或者查找指定范围内的医保点。当然，用户也可通过其它方式查找医保点，本申请实施例对此不作限制。
312，用户使用保险卡券。
在本申请实施例中，用户可能在多种场合使用保险卡券。例如，用户在规定的医保医院住院时，可通过使用保险卡券支付住院费中保险公司应承担的部分；又例如，用户在规定的医保医院看完门诊后，可通过使用保险卡券支付诊疗费、医药费中保险公司应承担的部分；又例如，用户在规定的医保药店买药时，可通过使用保险卡券支付医药费中保险公司应承担的部分。
当然，应理解，在本申请实施例中，规定的医保医院、规定的医保药店，是指保险公司规定可以进行医保的医院或药店，可包括地方指定的医保医院或医保药店，还可包括非地方指定的医保医院或医保药店。
在本申请实施例中，用户可通过扫码或者被扫码的方式使用保险卡券，或者通过输入保险卡券的标识信息的方式，使用保险卡券。
314，医保点向支付系统服务端发送保险卡券使用请求。
与图2的步骤218类似，医保点也可通过扫码、被扫码或字符串输入的方式，获取保险卡券的信息，从而获取用户的相关信息。
医保点可根据收费项目中与医保相关的收费项目，以及结算方式，确定费用结算信息，并向支付系统服务端发送保险卡券结算请求。类似地，保险卡券结算请求中，可携带理赔费用的相关信息。理赔费用的相关信息可能有多种表示方式，例如，该理赔费用的相关信息包括保险公司应承担的费用金额；又例如，该理赔费用的相关信息包括医保收费项目和结算方式。
应理解，在与医保相关的健康保险中，不同类型的医疗点具有不同的结算方式。例如，三甲医院的医药费报销85％，二甲医院的医药费报销90％，一甲医院的医药费报销95％，药店报销92％，等等。当然，实际的结算方式可能不同，本申请实施例对此不作限制。
此外，应理解，在本申请实施例中，保险卡券作为医保支付凭证，可以是在保险期内始终有效，此时，医保点不需要进行保险卡券的核销；保险卡券也可以是一次性的，此时，医保点需要进行保险卡券的核销。
316，支付系统服务端向保险公司发送支付请求。
318，保险公司进行支付确认。
320，保险公司向支付系统服务端发送支付指令。
322，支付系统服务端收到支付指令后，向医保点完成支付。
324，医保点收到支付款。
步骤316-324的具体实现可参考图2的步骤220-228，本申请实施例在此不再赘述。
当然，应理解，在本申请实施例中，如果保险卡券为一次性的，则保险公司在收到支付请求，或者支付系统服务端在收到保险卡券结算请求时，还需要 向用户重新发放保险卡券。或者，用户需要线下通知保险公司发放新的卡券。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
图4是本申请的一个实施例数据处理方法流程图。在本申请实施例中，该方法由代价平衡子系统执行。该方法可包括：
S402，将关于用户的认证请求发送给代价转移子系统。
其中，该认证请求用于请求对该用户进行认证。
S404，接收该代价转移子系统发送的送支付请求。
其中，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
S406，确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
本申请实施例中，通过代价转移子系统完成用户的认证并发放定向电子凭证，然后接收代价转移子系统反馈的支付请求，通过代价转移子系统完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
本申请实施例的具体实现可参考图1所示实施例代价平衡子系统执行的方法，以及图2、图3所示实施例中保险业务提供方(保险公司)执行的方法，不再赘述。
图5是本申请的一个实施例数据处理方法流程图。在本申请实施例中，该方法由代价转移子系统执行。该方法可包括：
S502，接收代价平衡子系统发送的关于用户的认证请求。
其中，该认证请求用于请求对该用户进行认证。
S504，对该用户进行认证，并根据认证结果，向该用户的客户端发送定向电子凭证。
其中，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证。
S506，接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求。
其中，该支付请求用于请求支付该用户客户端的资源代价。
S508，向该代价平衡子系统转发该支付请求。
S510，接收该代价平衡子系统根据该支付请求发送的支付指令。
其中，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
S512，根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
当然，应理解，在保险理赔的方案中，本申请实施例的方法，具体可实现为：
接收保险业务提供商发送的关于用户的认证请求，其中，该身份信用审核请求用于请求对该用户进行认证；
对该用户进行认证，并在通过认证后向用户在支付系统中的账号发送保险卡券，其中，该保险卡券用于该用户的理赔费用的结算；
接收保险业务服务商在使用该用户的该保险卡券后发送的保险卡券结算请求，其中，该保险卡券结算请求用于请对该理赔费用进行结算；
根据该保险卡券结算请求对该理赔费用进行结算。
本申请实施例中，通过根据关于用户的认证请求完成用户的认证，并发放定向电子凭证，并根据资源子系统发送的支付请求，向代价平衡子系统请求支付，并在收到支付指令后完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
本申请实施例的具体实现可参考图1所示实施例代价转移子系统执行的方法，以及图2、图3所示实施例中支付系统服务端(支付宝)执行的方法，不再赘述。
图6是本申请的一个实施例数据处理方法流程图。在本申请实施例中，该方法由资源子系统执行。该方法可包括：
S602，根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求。
其中，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证。
S604，接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价。
其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
本申请实施例中，根据定向电子凭证，通过代价转移子系统向代价平衡子系统请求支付定向电子凭证对应的资源代价，然后接收代价转移子系统从代价平衡子系统转移的资源代价，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
本申请实施例的具体实现可参考图1所示实施例资源子系统执行的方法，以及图2、图3所示实施例中保险业务服务方执行的方法，不再赘述。
图7是本申请的一个实施例电子设备的结构示意图。请参考图7，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个 磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture，扩展工业标准结构)总线等。该总线可以分为地址总线、数据总线、控制总线等。为便于表示，图7中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，该程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成数据处理装置的程序。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；
接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
上述如本申请图1所示实施例揭示的代价平衡子系统执行的方法，以及图2、图3所示实施例保险业务提供方(保险公司)执行的方法，可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央 处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本申请实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
本申请实施例中，通过代价转移子系统完成用户的认证并发放定向电子凭证，然后接收代价转移子系统反馈的支付请求，通过代价转移子系统完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
该电子设备还可执行图4的方法，并实现代价平衡子系统在图1所示实施例的功能，以及保险业务提供方(保险公司)在图2、图3所示实施例的功能，不再赘述。
本申请实施例还提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序包括指令，该指令当被包括多个应用程序的便携式电子设备执行时，能够使该便携式电子设备执行图4所示实施例的方法。
图8是本申请的一个实施例消息数据处理装置800的结构示意图。请参考图8，在一种软件实施方式中，数据处理装置可包括：
发送单元810，将关于用户的认证请求发送给代价转移子系统，该认证请 求用于请求对该用户进行认证；
接收单元830，接收该代价转移子系统发送的送支付请求，该支付请求用于请求支付该用户的客户端的资源代价，该支付请求是该资源子系统根据该用户的客户端出示的该定向电子凭证发送的，该定向电子凭证是该代价转移子系统根据认证结果向该用户的客户端发送的；
确认单元820，确认该支付请求；
发送单元810，还通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
本申请实施例中，通过代价转移子系统完成用户的认证并发放定向电子凭证，然后接收代价转移子系统反馈的支付请求，通过代价转移子系统完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
数据处理装置800还可执行图4的方法，并实现代价平衡子系统在图1所示实施例的功能，以及保险业务提供方(保险公司)在图2、图3所示实施例的功能，不再赘述。
图9是本申请的一个实施例电子设备的结构示意图。请参考图9，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture，扩展工业标准结构)总线等。该总线可以分为地址总线、数据总线、控制总线等。为便于表示，图9中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，该程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成数据处理装置的程序。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
接收代价平衡子系统发送的关于用户的认证请求，该认证请求用于请求对该用户进行认证；
根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证；
接收资源子系统根据该用户的客户端出示的该定向电子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
向该代价平衡子系统转发该支付请求；
接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
上述如本申请图1所示实施例揭示的代价转移子系统执行的方法，以及图2、图3所示实施例支付系统服务端(支付宝)执行的方法，可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、 分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本申请实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
本申请实施例中，通过根据关于用户的认证请求完成用户的认证，并发放定向电子凭证，并根据资源子系统发送的支付请求，向代价平衡子系统请求支付，并在收到支付指令后完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
该电子设备还可执行图5的方法，并实现代价转移子系统在图1所示实施例的功能，以及支付系统服务端(支付宝)在图2、图3所示实施例的功能，不再赘述。
本申请实施例还提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序包括指令，该指令当被包括多个应用程序的便携式电子设备执行时，能够使该便携式电子设备执行图4所示实施例的方法。
图10是本申请的一个实施例消息数据处理装置1000的结构示意图。请参考图10，在一种软件实施方式中，数据处理装置可包括：
接收单元1010，接收代价平衡子系统发送的关于用户的认证请求，该认证请求用于请求对该用户进行认证；
发送单元1020，根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的客户端的定向资源代价的支付凭证；
该接收单元1010，还接收资源子系统根据该用户的客户端出示的该定向电 子凭证发送的支付请求，该支付请求用于请求支付该用户客户端的资源代价；
该发送单元1020，还向该代价平衡子系统转发该支付请求；
该接收单元1010，还接收该代价平衡子系统根据该支付请求发送的支付指令，该支付指令用于向该资源子系统支付该用户的客户端的资源代价；
支付单元1030，根据该支付指令，从该代价平衡子系统向该资源子系统支付该用户的客户端的资源代价。
本申请实施例中，通过根据关于用户的认证请求完成用户的认证，并发放定向电子凭证，并根据资源子系统发送的支付请求，向代价平衡子系统请求支付，并在收到支付指令后完成该资源代价的支付，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
数据处理装置1000还可执行图5的方法，并实现代价转移子系统在图1所示实施例的功能，以及支付系统服务端(支付宝)在图2、图3所示实施例的功能，不再赘述。
图11是本申请的一个实施例电子设备的结构示意图。请参考图11，在硬件层面，该电子设备包括处理器，可选地还包括内部总线、网络接口、存储器。其中，存储器可能包含内存，例如高速随机存取存储器(Random-Access Memory，RAM)，也可能还包括非易失性存储器(non-volatile memory)，例如至少1个磁盘存储器等。当然，该电子设备还可能包括其他业务所需要的硬件。
处理器、网络接口和存储器可以通过内部总线相互连接，该内部总线可以是ISA(Industry Standard Architecture，工业标准体系结构)总线、PCI(Peripheral Component Interconnect，外设部件互连标准)总线或EISA(Extended Industry Standard Architecture，扩展工业标准结构)总线等。该总线可以分为地址总线、数据总线、控制总线等。为便于表示，图11中仅用一个双向箭头表示，但并不表示仅有一根总线或一种类型的总线。
存储器，用于存放程序。具体地，程序可以包括程序代码，该程序代码包括计算机操作指令。存储器可以包括内存和非易失性存储器，并向处理器提供 指令和数据。
处理器从非易失性存储器中读取对应的计算机程序到内存中然后运行，在逻辑层面上形成数据处理装置的程序。处理器，执行存储器所存放的程序，并具体用于执行以下操作：
根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
上述如本申请图1所示实施例揭示的资源子系统执行的方法，以及图2、图3所示实施例保险业务服务方执行的方法，可以应用于处理器中，或者由处理器实现。处理器可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器可以是通用处理器，包括中央处理器(Central Processing Unit，CPU)、网络处理器(Network Processor，NP)等；还可以是数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本申请实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合 执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器，处理器读取存储器中的信息，结合其硬件完成上述方法的步骤。
本申请实施例中，根据定向电子凭证，通过代价转移子系统向代价平衡子系统请求支付定向电子凭证对应的资源代价，然后接收代价转移子系统从代价平衡子系统转移的资源代价，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
该电子设备还可执行图6的方法，并实现资源子系统在图1所示实施例的功能，以及保险业务服务方在图2、图3所示实施例的功能，不再赘述。
本申请实施例还提出了一种计算机可读存储介质，该计算机可读存储介质存储一个或多个程序，该一个或多个程序包括指令，该指令当被包括多个应用程序的便携式电子设备执行时，能够使该便携式电子设备执行图6所示实施例的方法。
图12是本申请的一个实施例消息数据处理装置1200的结构示意图。请参考图12，在一种软件实施方式中，数据处理装置可包括：
发送单元1210，根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价，其中，该定向电子凭证是该代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向该用户的客户端发送的，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
接收单元1220，接收该代价转移子系统根据支付指令从该代价平衡子系统转移的该用户的资源代价，其中，该支付指令是该代价平衡子系统在对该代价转移子系统转发的该支付请求进行确认后向该代价转移子系统发送的，该支付指令用于支付该用户的资源代价。
本申请实施例中，根据定向电子凭证，通过代价转移子系统向代价平衡子 系统请求支付定向电子凭证对应的资源代价，然后接收代价转移子系统从代价平衡子系统转移的资源代价，从而能够使得用户端减少资源代价的垫付周期，同时减少或避免代价平衡系统支付额外的资源代价。
数据处理装置1200还可执行图6的方法，并实现资源子系统在图1所示实施例的功能，以及保险业务服务方在图2、图3所示实施例的功能，不再赘述。
本申请实施例还公开了一种数据处理系统，包括：代价平衡子系统、代价转移子系统、资源子系统和用户客户端子系统，
该代价平衡子系统，将关于用户的认证请求发送给该代价转移子系统，该认证请求用于请求对该用户进行认证；
该代价转移子系统，接收该认证请求，并根据认证结果，向该用户的用户客户端子系统发送定向电子凭证，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；
该用户客户端子系统，接收该代价转移子系统发送的关于该用户的该定向电子凭证，并向该资源子系统出示该定向电子凭证；
该资源子系统，根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价；
该代价平衡子系统，还确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
应理解，本申请实施例中，代价平衡子系统还可实现图1所示实施例代价平衡子系统的功能，以及图2、图3所示实施例中保险业务提供方(保险公司)的功能；代价转移子系统还可实现图1所示实施例中代价转移子系统的功能，以及图2、图3所示实施例中支付系统服务端(支付宝)的功能；资源子系统还可实现图1所示实施例中资源子系统的功能，以及图2、图3所示实施例中保险业务服务方的功能；用户客户端子系统还可实现图1所示实施例用户客户 端的功能，以及图2、图3所示实施例中被保险方的功能，不再赘述。
总之，以上该仅为本申请的较佳实施例而已，并非用于限定本申请的保护范围。凡在本申请的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本申请的保护范围之内。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相 似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。

Claims (23)

  1. 一种数据处理方法，包括：
    代价平衡子系统将关于用户的认证请求发送给代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    所述代价转移子系统根据认证结果，向所述用户的客户端发送定向电子凭证，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    资源子系统根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价；
    所述代价平衡子系统确认所述支付请求，并通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  2. 如权利要求1所述的方法，
    所述认证请求中还携带指向所述用户的定向资源的标识信息，所述定向电子凭证也携带指向所述用户的定向资源的标识信息，指向所述用户的定向资源的标识信息用于标识有权使用所述定向电子凭证的对象并确定所述代价平衡子系统应承担的资源代价。
  3. 如权利要求2所述的方法，
    资源子系统根据所述用户客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，包括：
    当所述用户的资源代价对应的资源的使用对象为有权使用所述定向电子凭证的对象，且所述用户的资源代价对应的资源包括所述定向电子凭证中携带的至少一种定向资源时，所述资源子系统根据所述用户客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求。
  4. 如权利要求2或3所述的方法，
    所述定向电子凭证还携带以下至少一种：
    有效期信息；
    资源子系统标识；
    其中，所述有效期信息用于限定所述定向电子凭证的有效使用期限，所述资源子系统标识用于限定有权使用所述定向电子凭证的资源子系统。
  5. 如权利要4所述的方法，
    资源子系统根据所述用户客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，包括：
    如果所述定向电子凭证携带有效期信息，且当前日期在所述有效期内，和/或,所述定向电子凭证携带资源子系统标识，且所述资源子系统的标识为所述定向电子凭证携带的资源子系统标识之一，则资源子系统根据所述用户客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求。
  6. 如权利要求1所述的方法，其特征在于，
    所述认证结果包括所述用户的信用指标/风险指标，所述定向电子凭证中携带所述用户的信用指标/风险指标。
  7. 如权利要求6所述的方法，
    所述用户的客户端接收所述定向电子凭证，包括：
    如果所述用户的信用指标低于预定信用指标，或者所述用户的风险指标高于预定风险指标，则对所述用户进行风险认证，并在认证通过后确收所述定向电子凭证。
  8. 如权利要求6所述的方法，
    所述支付请求中还携带所述用户的信用指标/风险指标，
    所述代价平衡子系统确认所述支付请求，包括：所述代价平衡子系统按照所述用户的信用指标/风险指标对应的确认方式确认所述支付请求。
  9. 如权利要求2所述的方法，
    所述支付请求中携带以下信息之一：
    资源代价；
    资源项目标识、资源项目标识对应的代价核销方式；
    资源项目标识、资源项目标识对应的代价核销方式、所述代价平衡子系统应承担的资源代价比例。
  10. 如权利要求1所述的方法，
    代价平衡子系统将关于用户的认证请求发送给代价转移子系统，包括：
    在代价平衡子系统确认为所述用户提供指向所述用户的定向资源代价后，将关于所述用户的认证请求发送给所述代价转移子系统。
  11. 一种数据处理方法，包括：
    将关于用户的认证请求发送给代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    接收所述代价转移子系统发送的送支付请求，所述支付请求用于请求支付所述用户的客户端的资源代价，所述支付请求是所述资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的，所述定向电子凭证是所述代价转移子系统根据认证结果向所述用户的客户端发送的；
    确认所述支付请求，并通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  12. 一种数据处理方法，包括：
    接收代价平衡子系统发送的关于用户的认证请求，所述认证请求用于请求对所述用户进行认证；
    对所述用户进行认证，并根据认证结果，向所述用户的客户端发送定向电子凭证，所述定向电子凭证用于作为所述用户的客户端的定向资源代价的支付凭证；
    接收资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的支付请求，所述支付请求用于请求支付所述用户客户端的资源代价；
    向所述代价平衡子系统转发所述支付请求；
    接收所述代价平衡子系统根据所述支付请求发送的支付指令，所述支付指 令用于向所述资源子系统支付所述用户的客户端的资源代价；
    根据所述支付指令，从所述代价平衡子系统向所述资源子系统支付所述用户的客户端的资源代价。
  13. 一种数据处理方法，包括：
    根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价，其中，所述定向电子凭证是所述代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向所述用户的客户端发送的，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    接收所述代价转移子系统根据支付指令从所述代价平衡子系统转移的所述用户的资源代价，其中，所述支付指令是所述代价平衡子系统在对所述代价转移子系统转发的所述支付请求进行确认后向所述代价转移子系统发送的，所述支付指令用于支付所述用户的资源代价。
  14. 一种数据处理装置，包括：
    发送单元，将关于用户的认证请求发送给代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    接收单元，接收所述代价转移子系统发送的送支付请求，所述支付请求用于请求支付所述用户的客户端的资源代价，所述支付请求是所述资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的，所述定向电子凭证是所述代价转移子系统根据认证结果向所述用户的客户端发送的；
    确认单元，确认所述支付请求；
    发送单元，还通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  15. 一种数据处理装置，包括：
    接收单元，接收代价平衡子系统发送的关于用户的认证请求，所述认证请求用于请求对所述用户进行认证；
    认证单元，对所述用户进行认证；
    发送单元，根据认证结果，向所述用户的客户端发送定向电子凭证，所述定向电子凭证用于作为所述用户的客户端的定向资源代价的支付凭证；
    所述接收单元，还接收资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的支付请求，所述支付请求用于请求支付所述用户客户端的资源代价；
    所述发送单元，还向所述代价平衡子系统转发所述支付请求；
    所述接收单元，还接收所述代价平衡子系统根据所述支付请求发送的支付指令，所述支付指令用于向所述资源子系统支付所述用户的客户端的资源代价；
    支付单元，根据所述支付指令，从所述代价平衡子系统向所述资源子系统支付所述用户的客户端的资源代价。
  16. 一种数据处理装置，包括：
    发送单元，根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价，其中，所述定向电子凭证是所述代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向所述用户的客户端发送的，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    接收单元，接收所述代价转移子系统根据支付指令从所述代价平衡子系统转移的所述用户的资源代价，其中，所述支付指令是所述代价平衡子系统在对所述代价转移子系统转发的所述支付请求进行确认后向所述代价转移子系统发送的，所述支付指令用于支付所述用户的资源代价。
  17. 一种数据处理系统，包括：代价平衡子系统、代价转移子系统、资源子系统和用户客户端子系统，
    所述代价平衡子系统，将关于用户的认证请求发送给所述代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    所述代价转移子系统，接收所述认证请求，并根据认证结果，向所述用户 的用户客户端子系统发送定向电子凭证，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    所述用户客户端子系统，接收所述代价转移子系统发送的关于所述用户的所述定向电子凭证，并向所述资源子系统出示所述定向电子凭证；
    所述资源子系统，根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价；
    所述代价平衡子系统，还确认所述支付请求，并通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  18. 一种电子设备，包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
    将关于用户的认证请求发送给代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    接收所述代价转移子系统发送的送支付请求，所述支付请求用于请求支付所述用户的客户端的资源代价，所述支付请求是所述资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的，所述定向电子凭证是所述代价转移子系统根据认证结果向所述用户的客户端发送的；
    确认所述支付请求，并通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  19. 一种电子设备，包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
    接收代价平衡子系统发送的关于用户的认证请求，所述认证请求用于请求 对所述用户进行认证；
    对所述用户进行认证，并根据认证结果，向所述用户的客户端发送定向电子凭证，所述定向电子凭证用于作为所述用户的客户端的定向资源代价的支付凭证；
    接收资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的支付请求，所述支付请求用于请求支付所述用户客户端的资源代价；
    向所述代价平衡子系统转发所述支付请求；
    接收所述代价平衡子系统根据所述支付请求发送的支付指令，所述支付指令用于向所述资源子系统支付所述用户的客户端的资源代价；
    根据所述支付指令，从所述代价平衡子系统向所述资源子系统支付所述用户的客户端的资源代价。
  20. 一种电子设备，包括：
    处理器；以及
    被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器执行以下操作：
    根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价，其中，所述定向电子凭证是所述代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向所述用户的客户端发送的，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    接收所述代价转移子系统根据支付指令从所述代价平衡子系统转移的所述用户的资源代价，其中，所述支付指令是所述代价平衡子系统在对所述代价转移子系统转发的所述支付请求进行确认后向所述代价转移子系统发送的，所述支付指令用于支付所述用户的资源代价。
  21. 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所 述电子设备执行以下操作：
    将关于用户的认证请求发送给代价转移子系统，所述认证请求用于请求对所述用户进行认证；
    接收所述代价转移子系统发送的送支付请求，所述支付请求用于请求支付所述用户的客户端的资源代价，所述支付请求是所述资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的，所述定向电子凭证是所述代价转移子系统根据认证结果向所述用户的客户端发送的；
    确认所述支付请求，并通过所述代价转移子系统将所述用户的资源代价转移到所述资源子系统中。
  22. 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
    接收代价平衡子系统发送的关于用户的认证请求，所述认证请求用于请求对所述用户进行认证；
    根据认证结果，向所述用户的客户端发送定向电子凭证，所述定向电子凭证用于作为所述用户的客户端的定向资源代价的支付凭证；
    接收资源子系统根据所述用户的客户端出示的所述定向电子凭证发送的支付请求，所述支付请求用于请求支付所述用户客户端的资源代价；
    向所述代价平衡子系统转发所述支付请求；
    接收所述代价平衡子系统根据所述支付请求发送的支付指令，所述支付指令用于向所述资源子系统支付所述用户的客户端的资源代价；
    根据所述支付指令，从所述代价平衡子系统向所述资源子系统支付所述用户的客户端的资源代价。
  23. 一种计算机可读存储介质，所述计算机可读存储介质存储一个或多个程序，所述一个或多个程序当被包括多个应用程序的电子设备执行时，使得所述电子设备执行以下操作：
    根据所述用户的客户端出示的所述定向电子凭证，通过所述代价转移子系统向所述代价平衡子系统发送支付请求，所述支付请求用于请求支付所述用户的资源代价，其中，所述定向电子凭证是所述代价转移子系统根据对代价平衡子系统关于用户的认证请求的认证结果，向所述用户的客户端发送的，所述定向电子凭证用于作为所述用户的定向资源代价的支付凭证；
    接收所述代价转移子系统根据支付指令从所述代价平衡子系统转移的所述用户的资源代价，其中，所述支付指令是所述代价平衡子系统在对所述代价转移子系统转发的所述支付请求进行确认后向所述代价转移子系统发送的，所述支付指令用于支付所述用户的资源代价。
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