WO2019072024A1

WO2019072024A1 - Credit-based installment service implementation method

Info

Publication number: WO2019072024A1
Application number: PCT/CN2018/101533
Authority: WO
Inventors: 郭玉锋; 王彬; 刘亚辉
Original assignee: 阿里巴巴集团控股有限公司; 郭玉锋; 王彬; 刘亚辉
Priority date: 2017-10-12
Filing date: 2018-08-21
Publication date: 2019-04-18
Also published as: CN107833037A; TW201915894A

Abstract

Disclosed in the present description is a credit-based installment service implementation method, comprising: a credit system acquiring user information of a user to which an initiating terminal of an installment service request belongs; the credit system determining credit information of the user according to the user information, and sending the credit information to a service system; and if the credit information satisfies a predetermined credit constraint condition, the service system executing an installment service of the user.

Description

Method for realizing staged business based on credit

Technical field

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

Background technique

The staging model is an important payment method in the retail industry. Users can consume the money first, and then pay the relevant payments one by one, so as to spread the payment pressure to a certain period of time. The implementation of the staging mode may include: a credit card or the like.

Taking a credit card as an example, the credit card application process is lengthy, the application period is long, and the user experience is poor. Therefore, it is necessary to provide a fast and reliable staging implementation.

Summary of the invention

In view of this, the present specification provides a method for implementing a staging business based on credit.

Specifically, the present specification is implemented by the following technical solutions:

A method for realizing staging based on credit, comprising:

The credit system obtains the user information of the user to which the originating terminal of the staging service request belongs;

The credit system determines the credit information of the user according to the user information, and sends the credit information to the service system;

If the credit information meets a predetermined credit constraint, the business system performs an installment service for the user.

A method for realizing staging based on credit, comprising:

Obtaining user information of a user to which the initiating terminal of the instalment service request belongs;

Determining the credit information of the user according to the user information, and transmitting the credit information to the service system, so that the business system performs the staging business for the user when the credit information meets a predetermined credit constraint condition.

A method for realizing staging based on credit, comprising:

Receiving credit information of a user to which the initiating terminal of the instalment service request sent by the credit system belongs;

If the credit information meets a predetermined credit constraint, the staging service for the user is performed.

As can be seen from the above description, the credit system of the present specification can determine the credit information of the initiating user of the staging service request, and send the credit information to the business system. The service system may perform the staging service for the user when the initiating user's credit information meets the predetermined credit constraint condition, thereby implementing a quick staging service for the initiating user. In addition, the staging business based on credit constraints can effectively reduce the bad debt risk of the business system.

DRAWINGS

FIG. 1 is a schematic flow chart of a method for implementing a staging service based on credit according to an exemplary embodiment of the present specification.

FIG. 2 is a schematic flow chart of another method for implementing a staging service based on credit according to an exemplary embodiment of the present specification.

FIG. 3 is a schematic structural diagram of an apparatus for implementing a staging service based on credit according to an exemplary embodiment of the present specification.

4 is a block diagram of an apparatus for implementing staging based credit based on an exemplary embodiment of the present specification.

FIG. 5 is a schematic structural diagram of another apparatus for implementing staging service based on credit according to an exemplary embodiment of the present specification.

6 is a block diagram of another apparatus for implementing staging based credit based on an exemplary embodiment of the present specification.

Detailed ways

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. The following description refers to the same or similar elements in the different figures unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Instead, they are merely examples of devices and methods consistent with aspects of the present specification as detailed in the appended claims.

The terminology used in the description is for the purpose of describing particular embodiments, and is not intended to be limiting. The singular forms "a", "the" and "the" It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, the first information may also be referred to as the second information without departing from the scope of the present description. Similarly, the second information may also be referred to as the first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to determination."

The present specification provides a method for realizing a staging business based on credit, which can be implemented by a credit system and a business system.

Among them, the credit system is usually deployed by a service provider that provides credit evaluation functions, and its physical carrier is usually a server or a server cluster. In addition to the credit evaluation function, the credit system can also call the payment system to implement the payment function, or the credit system itself has The payment function is not specifically limited in this specification.

The service system is usually deployed by a service provider that has the function of performing the staging service. For example, the service system can be a system deployed by the merchant, and the service system can also be a system with payment functions other than the merchant. This specification does not specifically limit this. . The physical carrier of a business system is usually also a server or server cluster.

In this specification, the user can request the installment service through the installment service request portal provided by the system such as the business system or the credit system, for example, the user requests to pay the amount of the current purchase in stages. The credit system can evaluate the credit of the requesting user and send the evaluation result to the business system. The service system can determine the authenticity of the requesting user according to the evaluation result, and then perform the staging service for the requesting user, thereby implementing the staging service for the requesting user, and achieving quick and good experience for the requesting user, and for the business system Can effectively reduce the risk of bad debts.

Referring to FIG. 1, the method for implementing the staging service based on credit may include the following steps:

Step 102: The credit system acquires user information of a user to which the originating terminal of the staging service request belongs.

In this embodiment, the user can initiate the staging service request through multiple channels based on the own terminal device.

In an example, the user can initiate an installment service request through a URL (Uniform Resource Locator), a two-dimensional code, and the like provided by the credit system.

In another example, the user may also initiate an installment service request through a portal such as a URL, a two-dimensional code, or the like provided by the business system or other third-party system. The business system or a third party system can send user information to the credit system.

In this embodiment, the staging service request may include: an installment request, and the like.

In this embodiment, the user information may include: a user name, a user's mobile phone number, a user ID number, and the like, and the specification does not specifically limit this.

Step 104: The credit system determines the credit information of the user according to the user information, and sends the credit information to the service system.

Based on the foregoing step 102, after obtaining the user information of the user who initiates the instalment service request (hereinafter referred to as the initiating user), the credit system may obtain various data related to the initiating user according to the user information, and then comprehensively obtain the data evaluation. Initiate the authenticity of the user and its ability to perform to determine the credit information of the initiating user.

The foregoing various data may include: a current location, a face image, historical transaction data, historical default data, etc., and the specification does not specifically limit this.

In one example, the presentation form of the credit information may be a credit score, and the credit rating of the originating user may be visually determined based on the credit score, for example, credit or credit failure. Among them, the credit qualification usually indicates that the initiating user's ability to perform is strong; and the credit failure can usually indicate that the initiating user's ability to perform is poor.

In another example, the presentation form of the credit information may be a credit score and a credit rating, wherein the credit rating may include: credit pass, credit failure. Based on the credit rating, the credit rating of the initiating user can be determined intuitively; based on the credit score, the initiating users with the same credit rating can be further distinguished.

Optionally, in this embodiment, before determining the credit information of the initiating user, the credit system may also perform identity verification on the initiating user.

In an example, after receiving the staging service request sent by the initiating terminal, the credit system may perform authentication on the initiating user based on the verification policy. If the initiating user passes the identity verification, it may be determined that the initiating user is the user, and thus the foregoing operation may be performed. Step 102: Obtain the user information of the user to which the originating terminal belongs to determine credit information of the initiating user.

The verification policy may be set by a developer, and may include one or more of the following verification policies: a mobile phone number verification policy, a face image verification policy, and an address information verification policy.

For example, the implementation manner of the mobile phone number verification policy may be: the initiating user fills in the mobile phone number, and the credit system verifies whether the mobile phone number filled by the initiating user is consistent with the mobile phone number bound to the account, and if the mobile phone number is consistent, the mobile phone number can be determined to pass the verification; If they are inconsistent, you can be sure that the mobile number has not passed verification.

For another example, the implementation manner of the mobile phone number verification policy may be: the credit system sends a random verification code to the mobile phone number bound to the user account, and if the verification code filled in by the initiating user is consistent with the random verification code sent by the credit system, it may be determined. The mobile phone number is verified; if it is inconsistent, it can be determined that the mobile phone number has not passed the verification.

For example, the face image verification policy may be implemented by: initiating a terminal to collect a face image of the initiating user, and then verifying whether the collected face image is consistent with the face image bound by the user account, or in the public security The system verifies whether the collected face image is consistent with the real face image of the user account real name user. If they are consistent, the face image can be determined to pass the verification; if not, the face image can be determined that the face image has not passed the verification.

For example, the implementation of the address information verification policy may be: the initiating user fills in the address information, and the credit system verifies whether the address information filled by the initiating user is consistent with the address information bound to the account, and if the information is consistent, the address information may be verified; If they are inconsistent, it can be determined that the address information has not passed the verification.

Of course, in the actual application, the initiating user may be authenticated in other manners, and the specification does not specifically limit this.

In this example, if the initiating user does not pass the authentication, the message that the authentication fails is returned to the service system, and the service system does not perform the staging service for the initiating user that fails the authentication to avoid the loss.

In another example, the credit system may authenticate the initiating user after obtaining the user information of the initiating user in this step. For the verification policy of the identity verification, reference may be made to the foregoing description, and the description is not repeated herein. The credit system can determine the credit information of the initiating user by synthesizing the user's authentication result and user information.

For example, the credit system may adopt an implementation manner provided in the related art to determine the first sub-credit information of the initiating user according to the user information, determine the second sub-credit information of the initiating user according to the identity verification result, and then integrate the first sub-credit information and the first The second sub-credit information determines the credit information of the initiating user.

In the implementation manner of the integrated authentication result and the user information to determine the credit information, the credit system does not need to return the authentication result of the initiating user to the business system, and only returns the comprehensively determined credit information to the business system, and this specification does not Special restrictions.

In another example, after receiving the staging service request sent by the initiating terminal, the credit system may also perform initial risk assessment on the initiating user by combining the initiating scenario and initiating the terminal information, and if the evaluation is high risk, the crediting policy may be based on the verification policy. The authentication of the initiating user, if the evaluation is low risk, does not need to authenticate the initiating user, and can directly perform the step of determining the initiating user credit information.

Of course, in practical applications, other methods may be used to implement identity verification and credit determination, and this specification does not specifically limit this.

Step 106: If the credit information meets a predetermined credit constraint condition, the service system performs an installment service for the user.

Based on the foregoing step 104, after receiving the credit information of the originating user sent by the credit system, the service system may perform the staging service for the user when the credit information satisfies the predetermined credit constraint condition. The credit constraint may include a credit score greater than a predetermined score or the like.

For example, if it is determined that the credit score of the initiating user is greater than the predetermined rating, the business system may allow the initiating user to pay the amount of the current purchase in installments.

The following describes the specific implementation process of this specification by taking the business system as the merchant system and the installment request as the installment payment request.

Referring to FIG. 2, the process of implementing the installment payment may include the following steps:

Step 202: The initiating user initiates an installment payment request by initiating the terminal.

In an example, when the initiating user downloads the online merchant, the originating payment request may be initiated by using a mobile phone or the like to initiate a terminal scanning the QR code provided by the offline merchant.

In another example, when the initiating user purchases the online merchant, the instalment payment request can be initiated through the URL (Uniform Resource Locator) link provided in the merchant page.

The instalment payment request usually carries information about the initiating user, such as a mobile phone number, a user account, etc., and the specification does not specifically limit this.

It should be noted that the interaction process between the initiating user and the credit system or the service system in the present specification is usually an interaction between the initiating terminal (for example, the client that initiates the login based on the initiating user account loaded in the initiating terminal) and the credit system or the business system. For convenience of description, this specification simply refers to the interaction between the initiating user and each system, and will not be described in detail later.

Step 204: The credit system acquires user information of the initiating user.

In this embodiment, the credit system may obtain information such as a user account of the initiating user, a mobile phone number of the user, and the like as user information.

In step 206, the credit system determines the credit information of the initiating user.

In this embodiment, the implementation manner of the credit system for determining the credit information of the initiating user may be referred to the step 104 of the embodiment shown in FIG. 1 , which is not repeatedly described herein.

Of course, in this embodiment, the credit system may also perform identity verification on the initiating user before determining the credit information. For the part of the processing and implementation, reference may be made to the embodiment shown in FIG. 1 , and the description is not repeated herein.

Step 208: The credit system sends the credit information of the initiating user to the merchant system.

In this embodiment, the credit system may send the initiating user initiated instalment payment request along with its credit information to the merchant system. Of course, the credit system can also send the installment request and the credit information asynchronously, which is not specifically limited in this embodiment.

It is to be noted that, if the initiating user initiates an installment payment request through another system, the initiating system may send the installment payment request to the merchant system, which is not specifically limited in this embodiment.

Step 210: When the credit information meets the credit constraint condition, the merchant system allows the user to initiate the installment payment.

In step 212, the merchant system initiates a debit request for the initiating user when the installment payment cycle is reached.

Taking the credit information as the credit score as an example, the merchant system can determine that the originating user has good credit status and good performance ability when the credit score of the initiating user is greater than the scoring threshold, thereby allowing the initiating user to pay in installments, for example, allowing the user to enjoy the service first or The goods are first obtained, and when the instalment payment cycle is reached, a debit request for the initiating user is initiated.

In actual implementation, when the credit information meets the credit constraint condition, the merchant system may output prompt information allowing the installment payment, and the merchant staff may allow the initiation user to enjoy the service first or obtain the commodity first according to the information.

For example, suppose that Xiaobai goes to the offline merchant to buy a mobile phone, and the selling price of the mobile phone is 3,600 yuan. The QR code provided by Xiaobai Scanner wants to apply for installment payment. The credit system determines that Xiaobai’s credit score is 680 points. The credit score is greater than the score threshold of 650 points. The merchant system allows Xiaobai to pay in installments. The merchant’s salesperson can first use the mobile phone. Delivered to Xiaobai. Assume that the installment payment period is 12 months, and each month requires a repayment of 300 yuan. The merchant system can initiate a 300-yuan debit request for the Xiaobai account on the date specified in each subsequent month.

It is worth noting that the above-mentioned installment payment rules, such as the installment payment period and the repayment amount of each period, can be formulated by the merchant. For example, the merchant can formulate a plurality of installment payment rules, which can be selected by Xiaobai. Of course, in some payment rules, it is necessary to pay a certain amount of handling fee, etc., and the processing and implementation of this part can refer to related technologies, and the present specification will not be repeated here.

On the other hand, the implementation of installment payment usually requires a small white authorization. For example, when it is determined that the white credit score is greater than the score threshold, the authorization request can be output to Xiaobai when the installment payment is made. If Xiaobai confirms the authorization request, then You can perform installment payments. The output of the authorization request may be implemented by a credit system or by a merchant system, and the specification does not specifically limit this.

In addition, in another example, the term of the installment and the total amount of the installment payment can also be positively correlated with Xiaobai's credit score. For example, the higher the credit score of Xiaobai, the longer the period of installment payment; the higher the credit score of Xiaobai, the higher the total amount of Xiaobai installment payment allowed. The relationship between the period of the above installment payment and the total amount of the installment payment and the credit score may be set by the merchant, and this specification does not impose any special restrictions.

It should be noted that if the total amount of the instalment payment is determined to be less than the selling price of the mobile phone according to Xiaobai's credit score, for example, the total amount of the instalment payment is 3,000 yuan, which is less than the mobile phone price of 3,600 yuan, usually requires Xiaobaixian The difference between the price of the mobile phone and the total amount of the installment payment is 600 yuan.

In step 214, the merchant system sends a debit notice to the initiating user after the successful deduction.

Based on the foregoing step 212, after the debit payment is successful, the merchant system may send a deduction notice to the initiating user. For example, after successfully deducting 300 yuan of the mobile phone purchased by Xiaobai on the 15th of each month, the debit notice may be sent to Xiaobai. .

In one example, the merchant system or payment system (debit platform) may also send the chargeback to the credit system for the credit system to update the credit information of the originating user.

For example, the credit system may positively update the credit information of the initiating user after all the deductions within the period of successful completion of the installment payment period, such as correspondingly increasing the credit score of the initiating user.

For another example, the credit system may forward the credit information of the initiating user, such as correspondingly reducing the credit score of the initiating user, after one or several unsuccessful deductions.

As can be seen from the above description, in this embodiment, the initiating user can initiate an installment payment request when the online or offline shopping/consumption is performed, and the merchant can allow the initiating user to obtain the commodity first or the first when the initiating user's credit information meets the credit constraint condition. Enjoy the service, and then pay the relevant fees in installments. For initiating users, there is no need to submit cumbersome materials, which is convenient and enjoyable. For merchants, credit-based installment payment can attract consumer news, and can effectively reduce the bad debt losses of merchants and ensure the interests of merchants.

Corresponding to the aforementioned embodiment of the method for implementing the staging service based on credit, the present specification also provides an embodiment of an apparatus for realizing the staging service based on credit.

Embodiments of the apparatus for implementing staging services based on credit can be applied to a server. The device embodiment may be implemented by software, or may be implemented by hardware or a combination of hardware and software. Taking the software implementation as an example, as a logical means, the processor of the server in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. From the hardware level, as shown in FIG. 3, a hardware structure diagram of the server where the device for implementing the staging service based on credit is located, except for the processor, memory, network interface, and non-volatile shown in FIG. In addition to the memory, the server in which the device is located in the embodiment may also include other hardware according to the actual function of the server, and details are not described herein.

Referring to FIG. 4, the device 300 for implementing the staging service based on the credit may be applied to the server shown in FIG. 3, and includes: an information acquiring unit 301, a credit determining unit 302, a first verifying unit 303, and a second verifying unit. 304 and credit update unit 305.

The information obtaining unit 301 is configured to obtain user information of a user to which the initiating terminal of the instalment service request belongs;

The credit determining unit 302 determines the credit information of the user according to the user information, and sends the credit information to the service system, so that the service system performs, when the credit information meets a predetermined credit constraint condition, User's installment business.

The first verification unit 303 receives the installment service request sent by the originating terminal;

Performing identity verification on the user to which the originating terminal belongs based on the verification policy;

After determining that the user to which the initiating terminal belongs is authenticated, performing the step of acquiring user information of the user to which the initiating terminal belongs.

The second verification unit 304 performs identity verification on the user to which the originating terminal belongs based on the verification policy.

The credit determining unit 302 determines the credit information of the user according to the identity verification result of the user and the user information.

Optionally, the verification policy includes one or more of the following verification policies:

Mobile phone number verification strategy, face image verification strategy, and address information verification strategy.

The credit update unit 305, after the service system successfully performs the staging service for the user, is positively updating the credit information of the user; after the service system fails to successfully perform the staging service for the user, the negative update is performed. User's credit information.

Optionally, the staging service request is an installment request.

Embodiments of the apparatus for implementing staging services based on credit can be applied to a server. The device embodiment may be implemented by software, or may be implemented by hardware or a combination of hardware and software. Taking the software implementation as an example, as a logical means, the processor of the server in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. From the hardware level, as shown in FIG. 5, a hardware structure diagram of the server where the device for implementing the staging service based on credit is located, except for the processor, memory, network interface, and non-volatile shown in FIG. In addition to the memory, the server in which the device is located in the embodiment may also include other hardware according to the actual function of the server, and details are not described herein.

6 is a block diagram of an apparatus for implementing staging based credit based on an exemplary embodiment of the present specification.

Referring to FIG. 6, the device 500 for implementing the staging service based on the credit may be applied to the server shown in FIG. 5, and includes: a credit receiving unit 501 and a service executing unit 502.

The credit receiving unit 501 receives the credit information of the user to which the originating terminal of the instalment service request sent by the credit system belongs;

The service execution unit 502 executes the staging service for the user if the credit information meets a predetermined credit constraint condition.

Optionally, the service execution unit 502 initiates a resource scheduling request for the user when the execution time point of the staging service is reached.

Optionally, the requisition quota of the resource scheduling request is positively related to the credit information.

The implementation process of the function and the function of each unit in the foregoing device is specifically described in the implementation process of the corresponding steps in the foregoing method, and details are not described herein again.

For the device embodiment, since it basically corresponds to the method embodiment, reference may be made to the partial description of the method embodiment. The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, ie may be located A place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present specification. Those of ordinary skill in the art can understand and implement without any creative effort.

The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer, and the specific form of the computer may be 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 transceiver, and a game control. A combination of a tablet, a tablet, a wearable device, or any of these devices.

Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides another device for realizing the staging service based on credit, the device for implementing the staging service based on credit includes: a processor and a device executable instruction for storing Memory. Among them, the processor and the memory are usually connected to each other by an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components.

In the present embodiment, by reading and executing the machine-executable instructions stored in the memory corresponding to the credit-based staging service-based control logic, the processor is caused to:

Determining the credit information of the user according to the user information, and transmitting the credit information to the service system, so that the business system performs the staging service for the user when the credit information meets a predetermined credit constraint condition.

Optionally, the processor is further caused to: by reading and executing the memory executable machine-executable instructions corresponding to the credit-based staging service-based control logic;

Receiving an instalment service request sent by the initiating terminal;

Determining the credit information of the user according to the user information, including:

Determining the credit information of the user according to the identity verification result of the user and the user information.

After the service system successfully performs the staging service for the user, the credit information of the user is forwardly updated;

After the business system fails to successfully perform the staging service for the user, the credit information of the user is updated negatively.

Optionally, the staging service request is an installment request.

Optionally, when performing the staging service for the user, the processor is caused to:

Upon reaching the execution time point of the staging service, a resource scheduling request for the user is initiated.

Corresponding to the foregoing embodiment of the method for implementing the staging service based on credit, the present specification further provides a computer readable storage medium having stored thereon a computer program, the program being executed by the processor to implement the following steps :

Optionally, it also includes:

Receiving an instalment service request sent by the initiating terminal;

Optionally, it also includes:

Optionally, the staging service request is an installment request.

Optionally, the performing the staging service for the user includes:

The foregoing description of the specific embodiments of the specification has been described. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than the embodiments and still achieve the desired results. In addition, the processes depicted in the figures are not necessarily in a particular order or in a sequential order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The above description is only the preferred embodiment of the present specification, and is not intended to limit the description. Any modifications, equivalent substitutions, improvements, etc., which are included in the present specification, should be included in the present specification. Within the scope of protection.

Claims

A method for realizing staging based on credit, comprising:

The credit system obtains the user information of the user to which the originating terminal of the staging service request belongs;

The credit system determines the credit information of the user according to the user information, and sends the credit information to the service system;

If the credit information meets a predetermined credit constraint, the business system performs an installment service for the user.
The method of claim 1 further comprising:

The credit system receives the installment service request sent by the originating terminal;

The credit system performs identity verification on the user to which the originating terminal belongs based on the verification policy;

After determining that the user of the originating terminal passes the identity verification, the credit system performs the step of acquiring the user information of the user to which the originating terminal belongs.
The method of claim 1 further comprising:

The credit system performs identity verification on the user to which the originating terminal belongs based on the verification policy;

Determining, by the credit system, the credit information of the user according to the user information, including:

The credit system determines the credit information of the user according to the identity verification result of the user and the user information.
The method according to claim 2 or 3, wherein the verification policy comprises one or more of the following verification strategies:

Mobile phone number verification strategy, face image verification strategy, and address information verification strategy.
The method of claim 1, the service system performing an installment service for the user, comprising:

The service system initiates a resource scheduling request for the user when it reaches the execution time point of the staging service.
The method of claim 5,

The requisition amount of the resource scheduling request is positively correlated with the credit information.
The method of claim 1 further comprising:

After the credit system successfully performs the staging service for the user, the credit system is positively updating the credit information of the user;

The credit system negatively updates the credit information of the user after the business system fails to successfully perform the staging service for the user.
The method of claim 1

The staging business request is an installment request.
A method for realizing staging based on credit, comprising:

Obtaining user information of a user to which the initiating terminal of the instalment service request belongs;

Determining the credit information of the user according to the user information, and transmitting the credit information to the service system, so that the business system performs the staging service for the user when the credit information meets a predetermined credit constraint condition.
The method of claim 9 further comprising:

Receiving an instalment service request sent by the initiating terminal;

Performing identity verification on the user to which the originating terminal belongs based on the verification policy;

After determining that the user to which the initiating terminal belongs is authenticated, performing the step of acquiring user information of the user to which the initiating terminal belongs.
The method of claim 9 further comprising:

Performing identity verification on the user to which the originating terminal belongs based on the verification policy;

Determining the credit information of the user according to the user information, including:

Determining the credit information of the user according to the identity verification result of the user and the user information.
The method according to claim 10 or 11, wherein the verification policy comprises one or more of the following verification strategies:

Mobile phone number verification strategy, face image verification strategy, and address information verification strategy.
The method of claim 9 further comprising:

After the service system successfully performs the staging service for the user, the credit information of the user is forwardly updated;

After the business system fails to successfully perform the staging service for the user, the credit information of the user is updated negatively.
The method of claim 9

The staging business request is an installment request.
A method for realizing staging based on credit, comprising:

Receiving credit information of a user to which the initiating terminal of the instalment service request sent by the credit system belongs;

If the credit information meets a predetermined credit constraint, the staging service for the user is performed.
The method of claim 15, the performing the staging service for the user, comprising:

Upon reaching the execution time point of the staging service, a resource scheduling request for the user is initiated.
The method of claim 16

The requisition amount of the resource scheduling request is positively correlated with the credit information.