WO2019232863A1 - 业务支付方法、装置、计算机设备及存储介质 - Google Patents
业务支付方法、装置、计算机设备及存储介质 Download PDFInfo
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- WO2019232863A1 WO2019232863A1 PCT/CN2018/094290 CN2018094290W WO2019232863A1 WO 2019232863 A1 WO2019232863 A1 WO 2019232863A1 CN 2018094290 W CN2018094290 W CN 2018094290W WO 2019232863 A1 WO2019232863 A1 WO 2019232863A1
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
Definitions
- the present application relates to the field of computer technology, and in particular, to a service payment method, device, computer equipment, and storage medium.
- multiple accounts can often be opened in an enterprise platform.
- a user opens multiple accounts in the enterprise platform, if the user's funds in one account are insufficient to purchase the corresponding services in the account, they can only open Recharge account balance or bound bank cards to meet business purchase requirements.
- This payment method is relatively single, and when the user has idle funds in other accounts, the utilization rate of idle funds in some of these accounts is not high.
- a business payment method includes:
- the target idle amount is less than the service price, obtaining a candidate idle amount and a capital flow record of the user ID in the candidate account;
- a business payment device includes:
- a first obtaining module configured to obtain a service purchase request, where the service purchase request includes a service price and a user identifier
- a second obtaining module configured to obtain a target idle amount in a target account according to the user identifier
- a third obtaining module configured to obtain, if the target idle amount is less than the service price, a candidate idle amount and a capital flow record of the user identifier in a candidate account;
- a recommendation module generating and sending recommended payment information according to the candidate idle amount and the fund flow record in the candidate account
- the response module is configured to obtain user selection information and respond to a service purchase request according to the user selection information.
- a computer device includes a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor.
- the processor executes the computer-readable instructions, the following steps are implemented:
- the target idle amount is less than the service price, obtaining a candidate idle amount and a capital flow record of the user ID in the candidate account;
- One or more non-volatile readable storage media storing computer-readable instructions, which when executed by one or more processors, cause the one or more processors to perform the following steps:
- the target idle amount is less than the service price, obtaining a candidate idle amount and a capital flow record of the user ID in the candidate account;
- FIG. 1 is a schematic diagram of an application environment of a service payment method according to an embodiment of the present application
- FIG. 2 is a flowchart of a service payment method according to an embodiment of the present application.
- step S20 is a flowchart of implementing step S20 in a service payment method according to an embodiment of the present application
- step S40 is a flowchart of implementing step S40 in a service payment method according to an embodiment of the present application
- step S50 is a flowchart of implementing step S50 in a service payment method according to an embodiment of the present application
- FIG. 6 is a schematic block diagram of a service payment device according to an embodiment of the present application.
- FIG. 7 is a schematic diagram of a computer device in an embodiment of the present application.
- the business payment method provided in this application can be applied in the application environment as shown in FIG. 1, where the client (computer device) communicates with the server through the network, and the client generates a business purchase request, which will include the service price and the user
- the identified business purchase request is sent to the server.
- the server queries the account funds of the user ID and sends the recommended payment information to the client.
- the client computer device
- the server can be implemented by an independent server or a server cluster composed of multiple servers.
- a service payment method is provided.
- the method is applied to the server in FIG. 1 as an example, and includes the following steps:
- the service purchase request includes a service price and a user identifier.
- the service purchase request refers to a request triggered by a user to purchase a service in a target account.
- the user applies for a certain share of services in the target account through the client.
- the client After receiving the application for the target account, the client generates a service purchase request and sends the service purchase request to the server.
- the service price is the price required to handle the business of the share
- the user identification is an identification used to uniquely distinguish different users.
- the user identification may be an ID card number, a mobile phone number, or an account ID.
- the target idle amount in the target account is obtained according to the user ID.
- the target idle amount is the amount of funds that the user ID can use flexibly in the target account.
- the target idle amount if the target idle amount is less than the business price, it means that the target idle amount in the target account is not sufficient to support the user to handle the business, and then obtain the user's identified idle amount in the candidate account And the corresponding record of funds flow of the candidate account.
- the candidate account refers to another account in the same enterprise platform that the user has opened an account according to the same user ID and is different from the target account.
- the idle amount to be selected is the amount of funds that the user ID can use flexibly in the account to be selected.
- the capital flow record corresponds to the details of the capital flow of the candidate account within a certain period.
- the certain period may be three months, half a year, or one year.
- the target idle amount is greater than the service price, it means that the target idle amount in the target account is sufficient to pay for the business purchase request, and the corresponding payment operation can be performed in response to the business purchase request.
- S40 Generate and send recommended payment information according to the unselected idle amount and the fund flow record in the unselected account.
- the frequency of capital flow of each candidate account is obtained according to the candidate idle amount and the fund transfer record in the candidate account.
- Recommended payment information is a recommended payment method for users.
- a recommended transfer amount to be allocated to each candidate account is recommended.
- the higher the frequency of fund flow of the candidate account the lower the allocated transfer amount.
- S50 Acquire user selection information, and respond to a service purchase request according to the user selection information.
- the server sends the recommended payment information to the client
- the user makes his own selection based on the client's recommended payment information.
- the client generates user selection information according to the user's selection and sends the user selection information to the service. end.
- the user selection information is a manner in which the user selects to pay the target service type.
- the user selection information may be that the user agrees to pay according to the recommended payment information, or the user does not agree to pay according to the recommended payment information. If the user selects the information that the user agrees to pay according to the recommended payment information, then the transfer and payment operations are performed according to the recommended payment information. If the user selects the information that the user does not agree to pay according to the recommended payment information, the client may prompt the user to customize its payment method, and the server will receive the user-defined payment method sent by the client and then follow the user-defined method. Transfer methods and payment operations.
- the user ID is queried
- the idle funds and fund flow records in the candidate account, and generate recommended payment information to recommend a reasonable payment solution for the user, which can make full use of the idle funds in the candidate account identified by the user, and improve the convenience of business payment.
- step S20 that is, the target idle amount in the target account is obtained according to the user ID, and specifically includes the following steps:
- the account balance information includes a fixed amount of funds and an account balance.
- the account balance is all the remaining funds in the target account
- the fixed amount of funds is a fixed amount of funds that the user ID must keep in the account set by the target account. For example, if the user purchases a certain monthly payment service in the target account and needs to deduct part of the funds from the target account every month, then by setting a fixed amount of the fund, it can ensure that the target account has sufficient funds to pay the monthly payment Business.
- the target idle amount is a portion of the account balance deducting a fixed amount of funds. It should be noted that the fixed amount of funds can be set to 0, that is, no fixed amount of funds is set in the target account. If the fixed amount of funds is greater than or equal to the account balance, the target idle amount of the target account is 0.
- step S40 the recommended payment information is generated and sent according to the unselected idle amount and the fund flow record in the unselected account, and specifically includes the following steps:
- S41 Classify the fund transfer records according to the fund interval, and obtain the frequency of fund flow for each fund interval.
- the funding range refers to different funding segments divided according to the numerical value of the amount of funds transferred.
- the fund circulation of each candidate account is divided into different fund intervals according to the amount of funds flowing.
- the fund intervals can be divided into: [0,10000), [10000,100000), [100000,500000), [ 500000, + ⁇ ).
- classifying the fund flow records according to the fund interval further includes: classifying the fund flow records of a preset period according to the fund interval.
- the preset period may be three months, half a year, or one year.
- S42 Obtain the fund flow frequency coefficient of each candidate account according to the fund interval and the fund flow frequency.
- the fund flow frequency coefficient of the account to be selected is obtained according to the fund interval and the fund flow frequency of each account to be selected.
- the fund flow frequency coefficient reflects the frequency of fund flow of the candidate account.
- the situation of the reflected fund flows is also different. Therefore, in order to better reflect the situation of the user's identity in the fund flow of each candidate account, different rights are set for each fund interval. value.
- a frequency coefficient of fund flow of the selected account is obtained through each fund interval of the candidate account and a corresponding weight value.
- S43 Generate and send recommended payment information according to the unused idle amount and the fund flow frequency coefficient of each unselected account.
- a candidate idle amount and a fund flow frequency coefficient in each candidate account are obtained.
- the transfer amount of each candidate account is allocated according to the size ratio of the capital flow frequency coefficient. If the capital flow frequency coefficient is larger, the higher the frequency of capital flow of the candidate account, In the generated recommended payment information, the smaller the transfer amount allocated to the candidate account.
- the total amount of idle amounts obtained is still less than the service price in the business purchase request.
- a message of insufficient balance is sent to the client to prompt the user to recharge or perform other operations.
- the capital flow frequency coefficient of each candidate account is calculated based on the capital flow of each candidate account, and then generated based on the candidate idle amount and the capital flow frequency coefficient of each candidate account.
- the recommended payment information guarantees the rationality and validity of the recommended payment information, so that the recommended payment information is more accepted by the user, and the payment efficiency of the service is improved.
- step S42 that is, obtaining the fund flow frequency coefficient of each candidate account according to the fund interval and the fund flow frequency, specifically:
- x is the liquidity frequency coefficient
- n is the number of funding section
- a i is the i th interval weight of funds
- f i is the i th interval funds flows frequency.
- the formula is used to calculate the fund flow frequency coefficient of the candidate account.
- the weight value a i of the capital interval can be set according to the amount of the capital interval. The higher the amount of the capital interval, the larger the corresponding weight value a i can be set.
- different weights are set and calculated based on the amount of the funds interval amount, and the obtained capital flow frequency coefficient ensures the accuracy of the capital flow frequency coefficient of the candidate account.
- step S50 the user selection information is obtained, and the service purchase request is responded to according to the user selection information, which specifically includes the following steps:
- the user selection information matches the recommended payment information, it means that the user agrees to pay according to the recommended payment information.
- transfer and payment operations are performed according to the recommended payment information.
- the payment information does not match the recommended payment information, it means that the user does not agree to pay according to the recommended payment information, that is, the user wishes to customize the allocation of the transfer amount of each candidate account.
- the user's candidate account with idle funds is arranged, and a payment selection request is generated according to the amount of idle funds of the candidate account and the fund flow frequency coefficient of the candidate account And send the payment selection request to the client for users to make better choices.
- S53 Acquire user payment information, and perform transfer and payment operations according to the user payment information.
- the transfer amount of each candidate account is custom-assigned, and the client generates user payment information according to the user's selection and Send to the server.
- the server After receiving the payment information from the user, the server performs transfer and payment operations according to the payment information from the user.
- the user selection information allows the user to allocate the transfer amount of each account to be selected in accordance with the recommended payment information or choose to customize, which can make the payment method more humane.
- the candidate accounts with idle funds of the user are arranged according to the order of the frequency of fund flow from small to large.
- the user can customize the allocation when Intuitively check the fund flow of each candidate account, increase the rationality of selection and improve the efficiency of selection.
- a service payment device is provided, and the service payment device corresponds to the service payment method in the above embodiment in a one-to-one correspondence.
- the service payment device includes a first acquisition module 61, a second acquisition module 62, a third acquisition module 63, a recommendation module 64, and a response module 65.
- the detailed description of each function module is as follows:
- a first obtaining module 61 configured to obtain a service purchase request, where the service purchase request includes a service price and a user identifier;
- a second obtaining module 62 configured to obtain the target idle amount in the target account according to the user identifier
- the third obtaining module 63 is configured to obtain a candidate idle amount and a capital flow record in the candidate account if the target idle amount is less than the service price;
- the recommendation module 64 generates and sends recommended payment information according to the candidate idle amount and the fund flow record in the candidate account;
- the response module 65 is configured to obtain user selection information and respond to a service purchase request according to the user selection information.
- the second obtaining module 62 includes:
- a first obtaining submodule 621 configured to obtain account balance information in a target account according to a user identifier, where the account balance information includes a fixed amount of funds and an account balance;
- the second acquisition submodule 622 is configured to acquire the target idle amount according to the fixed amount of funds and the account balance.
- the recommendation module 64 includes:
- the frequency calculation sub-module 641 is configured to classify the fund circulation records according to the fund interval, and obtain the fund flow frequency of each fund interval;
- the frequency coefficient calculation sub-module 642 is configured to obtain a frequency coefficient of fund flow of each candidate account according to a fund interval and a fund flow frequency;
- the recommendation sub-module 643 is configured to generate and send recommended payment information according to the candidate idle amount and the capital flow frequency coefficient of each candidate account.
- the frequency coefficient calculation sub-module 642 includes:
- the frequency coefficient calculation sub-unit 6421 is configured to calculate the frequency coefficient of fund flow of each candidate account according to the following formula:
- x is the liquidity frequency coefficient
- n is the number of funding section
- a i is the i th interval weight of funds
- f i is the i th interval funds flows frequency.
- the response module 65 includes:
- a first payment submodule 651, configured to perform transfer and payment operations according to the recommended payment information if the user selection information matches the recommended payment information
- a selection sub-module 652 configured to send a payment selection request according to a candidate idle amount and a fund flow frequency coefficient of the candidate account if the payment information does not match the recommended payment information;
- the second payment submodule 653 is configured to obtain user payment information, and perform transfer and payment operations according to the user payment information.
- Each module in the above-mentioned business payment device may be implemented in whole or in part by software, hardware, and a combination thereof.
- Each of the above modules may be embedded in the processor in the form of hardware or independent of the processor in the computer device, or may be stored in the memory of the computer device in the form of software to facilitate the processor to call and execute the operations corresponding to the above modules.
- a computer device is provided.
- the computer device may be a server, and its internal structure diagram may be as shown in FIG. 7.
- the computer device includes a processor, a memory, a network interface, and a database connected through a system bus.
- the processor of the computer device is used to provide computing and control capabilities.
- the memory of the computer device includes a non-volatile storage medium and an internal memory.
- the non-volatile storage medium stores an operating system, computer-readable instructions, and a database.
- the internal memory provides an environment for the operation of the operating system and computer-readable instructions in a non-volatile storage medium.
- the database of the computer equipment is used to store user identification, account balance information of the target account, and account balance information of the candidate account.
- the network interface of the computer device is used to communicate with an external terminal through a network connection.
- the computer-readable instructions are executed by a processor to implement a service payment method.
- a computer device including a memory, a processor, and computer-readable instructions stored on the memory and executable on the processor.
- the processor executes the computer-readable instructions, the following steps are implemented:
- Obtain a service purchase request which includes the service price and user identification
- one or more non-volatile readable storage media storing computer-readable instructions are provided, and when the computer-readable instructions are executed by one or more processors, the one or more Each processor performs the following steps:
- Obtain a service purchase request which includes the service price and user identification
- Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
- Volatile memory can include random access memory (RAM) or external cache memory.
- RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous chain (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
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Abstract
本申请公开了一种业务支付方法、装置、计算机设备及存储介质，该业务支付方法包括：获取业务购买请求，业务购买请求包括业务价格和用户标识；根据用户标识获取目标账户中的目标闲置金额；若目标闲置金额小于业务价格，则获取用户标识在待选账户中的待选闲置金额和资金流转记录；根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息，为用户推荐一个合理的支付方案；获取用户选择信息，根据用户选择信息响应业务购买请求。该方法可以充分利用该用户标识的待选账户的闲置资金，提高业务支付的便利性。
Description
本申请以2018年06月06日提交的申请号为201810573819.5，名称为“业务支付方法、装置、计算机设备及存储介质”的中国发明专利申请为基础，并要求其优先权。
本申请涉及计算机技术领域，尤其涉及一种业务支付方法、装置、计算机设备及存储介质。
目前，在一企业平台中往往可以开通多个账户，当一个用户在该企业平台中开通了多个账户时，若用户在其中一个账户的资金不足以购买该账户中对应的业务时，只能通过对账户余额或绑定的银行卡进行充值，从而满足业务购买需求。这种支付方式比较单一，且在用户其他账户中有闲置资金时，对其中部分账户的闲置资金的使用率也不高。
发明内容
基于此，有必要针对上述技术问题，提供一种可以提高支付便利性的业务支付方法、装置、计算机设备及存储介质。
一种业务支付方法，包括：
获取业务购买请求，所述业务购买请求包括业务价格和用户标识；
根据所述用户标识获取目标账户中的目标闲置金额；
若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；
根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；
获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
一种业务支付装置，包括：
第一获取模块，用于获取业务购买请求，所述业务购买请求包括业务价格和用户标识；
第二获取模块，用于根据所述用户标识获取目标账户中的目标闲置金额；
第三获取模块，用于若所述目标闲置金额小于所述业务价格，则获取所述用户标识在 待选账户中的待选闲置金额和资金流转记录；
推荐模块，根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；
响应模块，用于获取用户选择信息，根据所述用户选择信息响应业务购买请求。
一种计算机设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
获取业务购买请求，所述业务购买请求包括业务价格和用户标识；
根据所述用户标识获取目标账户中的目标闲置金额；
若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；
根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；
获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
获取业务购买请求，所述业务购买请求包括业务价格和用户标识；
根据所述用户标识获取目标账户中的目标闲置金额；
若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；
根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；
获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
本申请的一个或多个实施例的细节在下面的附图和描述中提出，本申请的其他特征和优点将从说明书、附图以及权利要求变得明显。
为了更清楚地说明本申请实施例的技术方案，下面将对本申请实施例的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是本申请一实施例中业务支付方法的一应用环境示意图；
图2是本申请一实施例中业务支付方法的一流程图；
图3是本申请一实施例中业务支付方法中步骤S20的实现流程图；
图4是本申请一实施例中业务支付方法中步骤S40的实现流程图；
图5是本申请一实施例中业务支付方法中步骤S50的实现流程图；
图6是本申请一实施例中业务支付装置的一原理框图；
图7是本申请一实施例中计算机设备的一示意图。
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，所描述的实施例是本申请一部分实施例，而不是全部的实施例。根据本申请中的实施例，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，都属于本申请保护的范围。
本申请提供的业务支付方法，可应用在如图1的应用环境中，其中，客户端(计算机设备)通过网络与服务端进行通信，客户端生成业务购买请求，并将包括了业务价格和用户标识的业务购买请求发送至服务端。服务端在获取到业务价格和用户标识后，对该用户标识的账户资金进行查询，并将推荐支付信息发送至客户端。其中，客户端(计算机设备)可以但不限于是各种个人计算机、笔记本电脑、智能手机、平板电脑和便携式可穿戴设备。服务端可以用独立的服务端或者是多个服务器组成的服务器集群来实现。
在一实施例中，如图2所示，提供一种业务支付方法，以该方法应用在图1中的服务端为例进行说明，包括如下步骤：
S10：获取业务购买请求，该业务购买请求包括业务价格和用户标识。
其中，业务购买请求是指用户触发的需要对目标账户中某一业务进行购买的请求。用户通过客户端申请办理目标账户中一定份额的业务，客户端接收到用户在目标账户的申请之后即生成业务购买请求，并将该业务购买请求发送至服务端。其中，业务价格即是办理该份额的业务所需要的价格，用户标识即是用于唯一区分不同用户的标识，可选地，用户标识可以为身份证号码、手机号码或者账户ID。
S20：根据用户标识获取目标账户中的目标闲置金额。
具体地，在获取到业务购买请求后，则根据该用户标识获取目标账户中的目标闲置金额。其中，目标闲置金额是该用户标识在目标账户中可以灵活使用的资金数目。
S30：若目标闲置金额小于该业务价格，则获取用户标识在待选账户中的待选闲置金额和资金流转记录。
具体地，在获取目标闲置金额后，若目标闲置金额小于业务价格，即说明目标账户中的目标闲置金额不足够支持用户办理该业务，则获取该用户标识在待选账户中的待选闲置金额和对应待选账户的资金流转记录。其中，待选账户是指在同一企业平台中，该用户根据相同的用户标识进行了开户，且与目标账户区别的其他账户。待选闲置金额是该用户标识在待选账户中可以灵活使用的资金数目。资金流转记录是对应待选账户在一定期限内的资金流转明细。可选地，该一定期限可以为三个月、半年或者一年。
进一步地，若目标闲置金额大于业务价格，即说明该目标账户中的目标闲置金额足够支付该业务购买请求，则可以响应对该业务购买请求，进行相应的支付操作。
S40：根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息。
具体地，根据待选账户中的待选闲置金额和资金流转记录，获取每一个待选账户资金流动的频繁程度。推荐支付信息是为用户提供的一个推荐的支付方式。在生成推荐支付信息时，根据该待选账户的资金流动的频繁程度，推荐分配到每个待选账户的转账金额。可选地，在生成推荐支付信息时，待选账户的资金流动的频繁程度越高，则分配的转账金额越低。在生成推荐支付信息之后，将该推荐支付信息发送至客户端。
S50：获取用户选择信息，根据用户选择信息响应业务购买请求。
具体地，服务端在将推荐支付信息发送至客户端之后，用户根据客户端的推荐支付信息来做出自己的选择，客户端根据用户的选择生成用户选择信息，并将该用户选择信息发送至服务端。
其中，用户选择信息为用户选择进行支付该目标业务类型的方式。可选地，用户选择信息可以为用户同意按照推荐支付信息来支付，或者用户不同意按照推荐支付信息来支付。若该用户选择信息为用户同意按照推荐支付信息来支付，则按照该推荐支付信息进行转账和支付操作。若该用户选择信息为用户不同意按照推荐支付信息来支付，则客户端可以提示用户自定义其支付方式，服务端在接收到客户端发送的用户自定义的支付方式之后，再根据用户自定义的支付方式进行转账和支付操作。
在图2对应的实施例中，通过根据用户标识在同一账户平台中的每个账户之间互通，当用户目标账户中的闲置资金不足够支持用户在目标账户办理对应业务时，根据用户标识查询待选账户里的闲置资金以及资金流转记录，并生成推荐支付信息，为用户推荐一个合理的支付方案，可以充分利用该用户标识的待选账户的闲置资金，提高业务支付的便利性。
在一实施例中，如图3所示，步骤S20中，即根据用户标识获取目标账户中的目标闲置金额，具体包括如下步骤：
S21：根据用户标识获取目标账户中的账户余额信息，账户余额信息包括资金固定额度和账户余额。
其中，账户余额为该目标账户中剩余的全部资金，资金固定额度为该用户标识在该目标账户设置的账户中必须留存的资金的固定额度。例如，该用户在目标账户中购买了某种月付的业务，需要每个月从目标账户中扣除部分资金，则通过设置该资金固定额度可以保证该目标账户有足够的资金可以支付该月付的业务。
S22：根据资金固定额度和账户余额，获取目标闲置金额。
具体地，目标闲置金额为将账户余额中扣除资金固定额度的部分。需要说明的是，该资金固定额度可以设置为0，即在该目标账户中未设置资金固定额度。若该资金固定额度大于或等于账户余额，则说明该目标账户的目标闲置金额为0。
在图3对应的实施例中，通过获取目标账户的资金固定额度，进而确定该目标账户的目标闲置金额，有利于保证在进行支付操作后，该目标账户仍能够进行正常资金流动。
在一实施例中，如图4所示，步骤S40中，即根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息，具体包括如下步骤：
S41：根据资金区间对资金流转记录进行归类，得到每一资金区间的资金流动频率。
在本实施例中，资金区间是指按照资金流转的金额数字大小划分的不同资金段。具体地，将各个待选账户的资金流转情况按照资金流动的金额大小划分不同资金区间，例如：可以划分资金区间为：[0，10000)、[10000，100000)、[100000，500000)、[500000，+∞)。
可选地，根据资金区间对资金流转记录进行归类还包括：根据资金区间对预设期限的资金流转记录进行归类。通过统计在预设期限内，每一个资金区间资金流动的次数，得到每一资金区间的资金流动频率，可以更好地保证数据统计的准确性。例如，预设期限可以为三个月、半年或者一年等。
S42：根据资金区间和资金流动频率，获取每一待选账户的资金流动频率系数。
具体地，根据每一待选账户的资金区间和资金流动频率来获取该待选账户的资金流动频率系数。该资金流动频率系数反映了该待选账户的资金流动的频繁程度。在本实施例中，由于不同的资金区间，反映的资金流动的情况也不同，因此，为了更好地反映该用户标识在各个待选账户资金流转的情况，给每一个资金区间设置不同的权值。进一步地，通过该 待选账户各个资金区间以及对应的权值，得到该待选账户的资金流动频率系数。
S43：根据每一待选账户的待选闲置金额和资金流动频率系数，生成并发送推荐支付信息。
具体地，获取每一待选账户中的待选闲置金额和资金流动频率系数。在生成推荐支付信息时，按照资金流动频率系数的大小比例，进行每个待选账户的转账金额的分配，若资金流动频率系数越大，则说明该待选账户的资金流动频率越高，在生成的推荐支付信息中，分配至该待选账户的转账金额就越小。
在一个实施方式中，若将该用户标识所有的待选账户的待选闲置金额和目标账户的目标闲置金额的金额数字进行汇总，得到的闲置金额总额仍小于该业务购买请求中的业务价格，则向客户端发送余额不足的消息，以提示该用户进行充值或其他操作。
在图4对应的实施例中，通过各个待选账户的资金流动情况，计算出每个待选账户的资金流动频率系数，再根据每一待选账户的待选闲置金额和资金流动频率系数生成推荐支付信息，保证该推荐支付信息的合理性和有效性，以使该推荐支付信息更被用户所接受，提高了该业务的支付效率。
在一实施例中，步骤S42，即根据资金区间和资金流动频率，获取每一待选账户的资金流动频率系数，具体为：
按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为资金流动频率系数，n为资金区间的数量，a
i为第i个资金区间的权值，f
i为第i个资金区间的资金流动频率。
具体地，以一个待选账户为例，根据该待选账户的资金区间的资金流动频率，与该资金区间的权值，通过该公式进行计算，得到该待选账户的资金流动频率系数。
可选地，资金区间的权值a
i可以根据资金区间的金额来设置，资金区间的金额越高，可以设置相应的权值a
i也越大。
在本实施例中，通过资金区间金额的大小来设置不同的权值进行计算，得到的资金流动频率系数，保证了该待选账户的资金流动频率系数的精度。
在一实施例中，如图5所示，步骤S50中，即获取用户选择信息，根据用户选择信息响应业务购买请求，具体包括如下步骤：
S51：若用户选择信息与推荐支付信息相匹配，则根据推荐支付信息进行转账和支付操作。
具体地，若用户选择信息与推荐支付信息相匹配，即说明该用户同意按照推荐支付信息来支付。则在获取到该用户选择信息后，根据推荐支付信息进行转账和支付操作。
S52：若支付信息与推荐支付信息不匹配，则根据待选账户的待选闲置金额和资金流动频率系数发送支付选择请求。
具体地，若支付信息与推荐支付信息不匹配，则说明该用户不同意按照推荐支付信息来支付，即该用户希望自定义分配每个待选账户的转账金额。
进一步地，根据资金流动频率系数从小到大的顺序，将该用户有闲置资金的待选账户进行排列，根据待选账户的闲置资金的金额和该待选账户的资金流动频率系数生成支付选择请求，并向客户端发送该支付选择请求，以供用户更好地做出选择。
S53：获取用户支付信息，根据用户支付信息进行转账和支付操作。
在该用户获取到支付选择请求之后，根据待选账户的待选闲置金额和对应的资金流动频率系数，自定义分配每个待选账户的转账金额，客户端根据用户的选择生成用户支付信息并发送至服务端。在服务端接收到该用户支付信息后，根据用户支付信息进行转账和支付操作。
在本实施例中，通过用户选择信息，让用户按照推荐支付信息或选择自定义分配每个待选账户的转账金额，能够使支付方式更加人性化。同时，在用户选择自定义分配每个待选账户的转账金额时，按照资金流动频率系数从小到大的顺序，将该用户有闲置资金的待选账户进行排列，用户能够在自定义分配时，更直观地查询每个待选账户的资金流动情况，增加选择的合理性，提高选择效率。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。
在一实施例中，提供一种业务支付装置，该业务支付装置与上述实施例中业务支付方法一一对应。如图6所示，该业务支付装置包括第一获取模块61、第二获取模块62、第三获取模块63、推荐模块64和响应模块65。各功能模块详细说明如下：
第一获取模块61，用于获取业务购买请求，业务购买请求包括业务价格和用户标识；
第二获取模块62，用于根据用户标识获取目标账户中的目标闲置金额；
第三获取模块63，用于若目标闲置金额小于业务价格，则获取用户标识在待选账户中的待选闲置金额和资金流转记录；
推荐模块64，根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息；
响应模块65，用于获取用户选择信息，根据用户选择信息响应业务购买请求。
优选地，第二获取模块62包括：
第一获取子模块621，用于根据用户标识获取目标账户中的账户余额信息，账户余额信息包括资金固定额度和账户余额；
第二获取子模块622，用于根据资金固定额度和账户余额，获取目标闲置金额。
优选地，推荐模块64包括：
频率计算子模块641，用于根据资金区间对资金流转记录进行归类，得到每一资金区间的资金流动频率；
频率系数计算子模块642，用于根据资金区间和资金流动频率，获取每一待选账户的资金流动频率系数；
推荐子模块643，用于根据每一待选账户的待选闲置金额和资金流动频率系数，生成并发送推荐支付信息。
优选地，频率系数计算子模块642包括：
频率系数计算子单元6421，用于按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为资金流动频率系数，n为资金区间的数量，a
i为第i个资金区间的权值，f
i为第i个资金区间的资金流动频率。
优选地，响应模块65包括：
第一支付子模块651，用于若用户选择信息与推荐支付信息相匹配，则根据推荐支付信息进行转账和支付操作；
选择子模块652，用于若支付信息与推荐支付信息不匹配，则根据待选账户的待选闲置金额和资金流动频率系数发送支付选择请求；
第二支付子模块653，用于获取用户支付信息，根据用户支付信息进行转账和支付操作。
关于业务支付装置的具体限定可以参见上文中对于业务支付方法的限定，在此不再赘述。上述业务支付装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述 各模块可以硬件形式内嵌于或独立于计算机设备中的处理器中，也可以以软件形式存储于计算机设备中的存储器中，以便于处理器调用执行以上各个模块对应的操作。
在一个实施例中，提供了一种计算机设备，该计算机设备可以是服务端，其内部结构图可以如图7所示。该计算机设备包括通过系统总线连接的处理器、存储器、网络接口和数据库。其中，该计算机设备的处理器用于提供计算和控制能力。该计算机设备的存储器包括非易失性存储介质、内存储器。该非易失性存储介质存储有操作系统、计算机可读指令和数据库。该内存储器为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该计算机设备的数据库用于存储用户标识，目标账户的账户余额信息和待选账户的账户余额信息。该计算机设备的网络接口用于与外部的终端通过网络连接通信。该计算机可读指令被处理器执行时以实现一种业务支付方法。
在一个实施例中，提供了一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机可读指令，处理器执行计算机可读指令时实现以下步骤：
获取业务购买请求，业务购买请求包括业务价格和用户标识；
根据用户标识获取目标账户中的目标闲置金额；
若目标闲置金额小于业务价格，则获取用户标识在待选账户中的待选闲置金额和资金流转记录；
根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息；
获取用户选择信息，根据用户选择信息响应业务购买请求。
在一个实施例中，提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：
获取业务购买请求，业务购买请求包括业务价格和用户标识；
根据用户标识获取目标账户中的目标闲置金额；
若目标闲置金额小于业务价格，则获取用户标识在待选账户中的待选闲置金额和资金流转记录；
根据待选账户中的待选闲置金额和资金流转记录，生成并发送推荐支付信息；
获取用户选择信息，根据用户选择信息响应业务购买请求。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流 程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，仅以上述各功能单元、模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能单元、模块完成，即将所述装置的内部结构划分成不同的功能单元或模块，以完成以上描述的全部或者部分功能。
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。
Claims (20)
- 一种业务支付方法，其特征在于，所述业务支付方法包括：获取业务购买请求，所述业务购买请求包括业务价格和用户标识；根据所述用户标识获取目标账户中的目标闲置金额；若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
- 如权利要求1所述的业务支付方法，其特征在于，所述根据所述用户标识获取目标账户中的目标闲置金额，包括：根据所述用户标识获取目标账户中的账户余额信息，所述账户余额信息包括资金固定额度和账户余额；根据所述资金固定额度和账户余额，获取所述目标闲置金额。
- 如权利要求1所述的业务支付方法，其特征在于，所述根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息，包括：根据资金区间对所述资金流转记录进行归类，得到每一资金区间的资金流动频率；根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数；根据每一待选账户的所述待选闲置金额和所述资金流动频率系数，生成并发送所述推荐支付信息。
- 如权利要求3所述的业务支付方法，其特征在于，所述根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数，包括：按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为所述资金流动频率系数，n为所述资金区间的数量，a i为第i个所述资金区间的权值，f i为第i个所述资金区间的所述资金流动频率。 - 如权利要求1所述的业务支付方法，其特征在于，所述获取用户选择信息，根据所述用户选择信息响应所述业务购买请求，包括：若所述用户选择信息与所述推荐支付信息相匹配，则根据所述推荐支付信息进行转账和支付操作；若所述支付信息与所述推荐支付信息不匹配，则根据所述待选账户的待选闲置金额和资金流动频率系数发送支付选择请求；获取用户支付信息，根据所述用户支付信息进行转账和支付操作。
- 一种业务支付装置，其特征在于，所述业务支付装置包括：第一获取模块，用于获取业务购买请求，所述业务购买请求包括业务价格和用户标识；第二获取模块，用于根据所述用户标识获取目标账户中的目标闲置金额；第三获取模块，用于若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；推荐模块，根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；响应模块，用于获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
- 如权利要求6所述的业务支付装置，其特征在于，所述第二获取模块包括：第一获取子模块，用于根据所述用户标识获取目标账户中的账户余额信息，所述账户余额信息包括资金固定额度和账户余额；第二获取子模块，用于根据所述资金固定额度和账户余额，获取所述目标闲置金额。
- 如权利要求6所述的业务支付装置，其特征在于，所述推荐模块包括：频率计算子模块，用于根据资金区间对所述资金流转记录进行归类，得到每一资金区间的资金流动频率；频率系数计算子模块，用于根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数；推荐子模块，用于根据每一待选账户的所述待选闲置金额和所述资金流动频率系数，生成并发送所述推荐支付信息。
- 如权利要求8所述的业务支付装置，其特征在于，所述频率系数计算子模块包括：频率系数计算子单元，用于按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为所述资金流动频率系数，n为所述资金区间的数量，a i为第i个所述资金区间的权值，f i为第i个所述资金区间的所述资金流动频率。 - 如权利要求6所述的业务支付装置，其特征在于，所述响应模块包括：第一支付子模块，用于若所述用户选择信息与所述推荐支付信息相匹配，则根据所述推荐支付信息进行转账和支付操作；选择子模块，用于若所述支付信息与所述推荐支付信息不匹配，则根据所述待选账户的待选闲置金额和资金流动频率系数发送支付选择请求；第二支付子模块，用于获取用户支付信息，根据所述用户支付信息进行转账和支付操作。
- 一种计算机设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：获取业务购买请求，所述业务购买请求包括业务价格和用户标识；根据所述用户标识获取目标账户中的目标闲置金额；若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
- 如权利要求11所述的计算机设备，其特征在于，所述根据所述用户标识获取目标账户中的目标闲置金额，具体包括以下步骤：根据所述用户标识获取目标账户中的账户余额信息，所述账户余额信息包括资金固定额度和账户余额；根据所述资金固定额度和账户余额，获取所述目标闲置金额。
- 如权利要求11所述的计算机设备，其特征在于，所述根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息，具体包括以下步骤：根据资金区间对所述资金流转记录进行归类，得到每一资金区间的资金流动频率；根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数；根据每一待选账户的所述待选闲置金额和所述资金流动频率系数，生成并发送所述推荐支付信息。
- 如权利要求13所述的计算机设备，其特征在于，所述根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数，具体包括以下步骤：按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为所述资金流动频率系数，n为所述资金区间的数量，a i为第i个所述资金区间的权值，f i为第i个所述资金区间的所述资金流动频率。 - 如权利要求11所述的计算机设备，其特征在于，所述获取用户选择信息，根据所述用户选择信息响应所述业务购买请求，具体包括以下步骤：若所述用户选择信息与所述推荐支付信息相匹配，则根据所述推荐支付信息进行转账和支付操作；若所述支付信息与所述推荐支付信息不匹配，则根据所述待选账户的待选闲置金额和资金流动频率系数发送支付选择请求；获取用户支付信息，根据所述用户支付信息进行转账和支付操作。
- 一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：获取业务购买请求，所述业务购买请求包括业务价格和用户标识；根据所述用户标识获取目标账户中的目标闲置金额；若所述目标闲置金额小于所述业务价格，则获取所述用户标识在待选账户中的待选闲置金额和资金流转记录；根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息；获取用户选择信息，根据所述用户选择信息响应所述业务购买请求。
- 如权利要求16所述的非易失性可读存储介质，其特征在于，所述根据所述用户标识获取目标账户中的目标闲置金额，具体包括以下步骤：根据所述用户标识获取目标账户中的账户余额信息，所述账户余额信息包括资金固定额度和账户余额；根据所述资金固定额度和账户余额，获取所述目标闲置金额。
- 如权利要求16所述的非易失性可读存储介质，其特征在于，其特征在于，所述根据待选账户中的所述待选闲置金额和所述资金流转记录，生成并发送推荐支付信息，具体包括以下步骤：根据资金区间对所述资金流转记录进行归类，得到每一资金区间的资金流动频率；根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数；根据每一待选账户的所述待选闲置金额和所述资金流动频率系数，生成并发送所述推荐支付信息。
- 如权利要求18所述的非易失性可读存储介质，其特征在于，所述根据所述资金区间和所述资金流动频率，获取每一待选账户的资金流动频率系数，具体包括以下步骤：按照如下公式计算每一待选账户的资金流动频率系数：
其中，x为所述资金流动频率系数，n为所述资金区间的数量，a i为第i个所述资金区间的权值，f i为第i个所述资金区间的所述资金流动频率。 - 如权利要求16所述的非易失性可读存储介质，其特征在于，所述获取用户选择信息，根据所述用户选择信息响应所述业务购买请求，具体包括以下步骤：若所述用户选择信息与所述推荐支付信息相匹配，则根据所述推荐支付信息进行转账和支付操作；若所述支付信息与所述推荐支付信息不匹配，则根据所述待选账户的待选闲置金额和资金流动频率系数发送支付选择请求；获取用户支付信息，根据所述用户支付信息进行转账和支付操作。
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