WO2021259144A1 - 终端设备、业务处理系统以及数字资源传输的方法 - Google Patents

终端设备、业务处理系统以及数字资源传输的方法 Download PDF

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Publication number
WO2021259144A1
WO2021259144A1 PCT/CN2021/100766 CN2021100766W WO2021259144A1 WO 2021259144 A1 WO2021259144 A1 WO 2021259144A1 CN 2021100766 W CN2021100766 W CN 2021100766W WO 2021259144 A1 WO2021259144 A1 WO 2021259144A1
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Prior art keywords
target
digital resource
resource transmission
user
digital
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PCT/CN2021/100766
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English (en)
French (fr)
Inventor
余幼民
刘昕纯
李洁
冯力国
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支付宝(杭州)信息技术有限公司
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Publication of WO2021259144A1 publication Critical patent/WO2021259144A1/zh

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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
    • G06Q20/38—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
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"

Definitions

  • This application relates to the field of digital resource transmission, in particular to terminal equipment, business processing systems, and digital resource transmission methods.
  • the service Before an authorized user enjoys the enjoy-before-pay service (hereinafter referred to as the service), the user, the paying party, and the merchant usually sign an agreement on the service. Generally, the service agreement will consult the user to authorize the payment to the merchant to open the first enjoy and pay later interface. After the user enjoys the service provided by the merchant, the merchant can obtain the service fee from the payer through the enjoy-before-pay interface.
  • the service agreement will consult the user to authorize the payment to the merchant to open the first enjoy and pay later interface.
  • the merchant After the user enjoys the service provided by the merchant, the merchant can obtain the service fee from the payer through the enjoy-before-pay interface.
  • current risk control solutions are usually interception ideas. That is, to identify users who may not be able to pay and block their use.
  • the current risk control plan is usually to block the user from using the enjoy-before-pay interface only when it is determined that the user has arrears. There is no risk prevention and control plan for users who are suspected of not paying.
  • this application discloses a method for digital resource transmission, which includes, through at least one processor: obtaining a request for execution of a transmission protocol submitted by a target terminal for a digital resource.
  • the request includes the identity information of the target user; obtains the comprehensive credit data of the target user; determines the target channel from at least one digital resource transmission channel based on the comprehensive credit data; and sends an instruction signal to the target terminal, the instruction
  • the signal instructs the target terminal to display a first page on its display device, the first page includes a target icon, and the target icon is triggered to activate the process of opening the target channel.
  • the at least one digital resource transmission channel includes one or more of a first digital resource transmission channel and a second digital resource transmission channel.
  • the first digital resource transmission channel is configured such that the digital resource transmission system transmits the digital resource from the first target account of the target terminal in the digital resource transmission system to the first authorization data based on the first authorization data.
  • the credit data in the target account is shared with the third-party credit investigation system.
  • the method further includes: determining that the credit value is higher than a credit threshold and the default risk value is higher than a default threshold, or the default The risk value is lower than the default threshold; it is determined that the target channel includes the first digital resource transmission channel; and in response to the signal that triggers the target icon and the opening of the target channel, obtain the first Authorization data.
  • the method further includes, through the at least one processor: acquiring the execution request for the target operation submitted by the target terminal; executing the target operation; acquiring the end of the target operation submitted by the target terminal Request; obtain the received number of the digital resources corresponding to the target operation; send the received number and the first authorization information to the digital resource transmission system, instructing the digital resource transmission system to directly transfer the received number
  • the digital resource of is transmitted from the first target account to the target account through the target channel.
  • the second digital resource transmission channel is configured such that the digital resource transmission system transmits the digital resource from the second target account of the target terminal in the digital resource transmission system to the digital resource transmission system based on the second authorization information.
  • the method further includes: determining that the default risk value is lower than a default threshold; determining that the target channel includes the second digital resource transmission channel; and In response to the signal triggering the target icon and the opening of the target channel, second authorization information is obtained from the target terminal.
  • the method further includes, through the at least one processor: acquiring the execution request for the target operation submitted by the target terminal; executing the target operation; acquiring the end of the target operation submitted by the target terminal Request; obtain the received number of the digital resources corresponding to the target operation; send the received number and the second authorization information to the digital resource transmission system, instructing the digital resource transmission system to directly transfer the received number
  • the digital resource of is transmitted from the second target account to the target account through the target channel.
  • the method further includes: determining that the credit value is lower than a credit threshold; determining that the default risk value is higher than a default threshold; and determining The target channel is the second digital resource transmission channel.
  • the method further includes, through the at least one processor: receiving, through the digital resource transmission system, a digital resource for which the target amount is collected and transmitting from the second target account through the target channel The confirmation signal to the destination account; and the execution of the target operation.
  • the application also discloses a business processing system, including: at least one memory, including at least one instruction set; and at least one processor, which is communicatively connected with the at least one memory, and when the at least one processor executes the at least one In the instruction set, the at least one processor executes the method described in this application.
  • This application also discloses a method for digital resource transmission based on credit data, which includes, through at least one processor of a terminal device: receiving a target user’s first page request to trigger an operation; sending a first page request to the target business processing system, The first page request includes the identity information of the target user; obtains the data of the first page, wherein the data of the first page is related to the comprehensive credit data of the target user; and loads according to the data of the first page
  • the first page wherein the first page includes at least one target icon, wherein the target icon is triggered to activate the process of opening a target channel, and the target channel includes a first digital resource transmission channel and a second digital resource transmission channel At least one of, and the first digital resource transmission channel and the second digital transmission channel correspond to different comprehensive credit data.
  • the first digital resource transmission channel is configured such that the digital resource transmission system transmits the digital resource from the first target account of the terminal device in the digital resource transmission system to the digital resource transmission system based on the first authorization data.
  • the path of the target account of the target service processing system wherein: the minimum number of the digital resources in the first target account is a preset negative number, and the digital resource transmission system places the terminal device in the first target account. 1.
  • the credit data in the target account is shared with a third-party credit investigation system.
  • the comprehensive credit data includes a default risk value and a credit value
  • the default risk value is higher than a default threshold and the credit value is higher than the credit threshold, or the default risk value is lower than the default Threshold
  • the at least one target icon includes: a first icon, wherein the first icon is triggered to activate the process of opening the first digital resource transmission channel.
  • the digital resource transmission method further includes: receiving a trigger operation on the first icon from the target user; and obtaining the first authorization information and sending it to the service processing system.
  • the digital resource transmission method further includes: generating an execution request for a target operation, the execution request of the target operation including identification information of the target terminal; and generating an end to the target operation Instruction, wherein the end instruction of the target operation includes the identification information of the target terminal, and the end instruction of the target operation instructs the target service processing system to send the target operation corresponding to the digital resource transmission system The number of collected digital resources and the first authorization information.
  • the second digital resource transmission channel is configured such that the digital resource transmission system transmits the digital resource from the second target account of the terminal device in the digital resource transmission system to the digital resource transmission system based on the second authorization data.
  • the comprehensive credit data includes a default risk value and a credit value
  • the default risk value is higher than the default threshold and the credit value is lower than the credit threshold
  • the at least one target icon includes: second Icon, wherein the second icon indicates that the target user transfers a target number of digital resources to the target account through the second digital resource transmission channel.
  • the digital resource transmission method further includes: submitting a transmission request for the digital resource to the digital resource transmission system, wherein the transmission request includes: the digital resource corresponding to the execution target operation The amount collected, and the second authorization information.
  • the comprehensive credit data includes a default risk value and a credit value
  • the default risk value is lower than a default threshold
  • the at least one target icon includes: a third icon, wherein the third icon is triggered Activate the process of opening the second digital resource transmission channel.
  • the digital resource transmission method further includes: receiving a trigger operation on the third icon from the target user; and obtaining second authorization information and sending it to the service processing system.
  • the digital resource transmission method further includes: generating an execution request for a target operation, the execution request of the target operation including identification information of the target terminal; and generating an end to the target operation Instruction, wherein the end instruction of the target operation includes the identification information of the target terminal, and the end instruction of the target operation instructs the target service processing system to send the target operation corresponding to the digital resource transmission system The number of collected digital resources and the first authorization information.
  • the application also discloses a terminal device, including: at least one memory, including at least one instruction set; and at least one processor, which is in communication connection with the at least one memory, and when the at least one processor executes the at least one instruction During the collection, the at least one processor executes the method described in this application.
  • the business processing system can formulate a payment strategy based on the user’s comprehensive credit data.
  • the system sends different instruction signals to the terminal device to instruct the terminal device to display different pages, and then guide the user to the first digital resource transmission channel for credit payment or the offline payment channel using the second digital resource transmission channel to scan the code , Improve the accuracy rate of merchants to intercept medium and high risk users, reduce the interference rate to users, reduce the loss of users, and improve the user experience.
  • Fig. 1 shows a flowchart of a digital resource transmission method according to an embodiment of the present application
  • Fig. 2 shows a schematic diagram of an application scenario of a digital resource transmission method provided according to an embodiment of the present application
  • FIG. 3 shows a schematic diagram of the hardware structure of a terminal device and/or service processing system provided by an embodiment of the present application
  • Fig. 4A shows a schematic diagram of a first page provided according to an embodiment of the present application
  • FIG. 4B shows a schematic diagram of a business processing flow provided according to an embodiment of the present application.
  • Fig. 5A shows a schematic diagram of a first page provided according to an embodiment of the present application
  • FIG. 5B shows a schematic diagram of a business processing flow provided according to an embodiment of the present application.
  • Fig. 6A shows a schematic diagram of a first page provided according to an embodiment of the present application.
  • Fig. 6B shows a schematic diagram of a service processing flow provided according to an embodiment of the present application.
  • the security interface is a risk control product used in business scenarios where you can enjoy before you pay.
  • This interface is coupled with the service module provided by the merchant, and can identify the risk of the service user (ie, the user) and intercept high-risk users. After identifying a high-risk user, the interface will not guide the user to use other methods to continue to pay for the service, but directly intercept the user, which will damage the user's experience of enjoying the service, and cannot perfectly balance the accuracy of interception and the interruption to the user.
  • the interception strategy in this interface is related to the risk level.
  • the risk threshold is set too high, that is, too many users are regarded as high risk, which will disturb users; if it is set too low, that is, too many users are regarded as low risk, and the accuracy of interception Will reduce, that is, users who are not blocked may also have bad debts.
  • this application provides a terminal device and a method for digital resource transmission performed by the terminal device.
  • This application provides a business processing system and a method for digital resource transmission executed by the business processing system.
  • Fig. 1 shows a flowchart of a digital resource transmission method S100 according to an embodiment of the present application.
  • the process S100 shown in FIG. 1 includes a digital resource transmission method performed by the terminal device and a digital resource transmission method performed by the service processing system. Part of the steps of the process S100 can be executed by the terminal device 100, and part of the steps can be executed by the service processing system 200.
  • Fig. 2 shows an application scenario of providing a digital resource transmission method S100 according to an embodiment of the present application.
  • the application scenario may include the user 10, the merchant 20, and the third-party payment company 30.
  • the user 10 and the merchant 20 can conduct a target transaction.
  • the target transaction may include a service transaction.
  • the service transaction may include, but is not limited to, taking bus, subway, airplane, train, catering service, and hotel service.
  • the target transaction may include a commodity transaction.
  • the commodities may include tangible commodities and intangible commodities.
  • the tangible goods may include but are not limited to home appliances and books; the intangible goods may include but are not limited to stocks and options.
  • the target transaction includes the user 10 paying the merchant 20 a target number of digital resources.
  • the digital resource may be digital currency.
  • the digital currency may include a digital representation of physical currency.
  • the digital currency may also include virtual digital currency.
  • a digital representation of the digital resource as a physical currency hereinafter referred to as a fee is taken as an example to illustrate the function of the digital resource in this application.
  • the user 10 is the payer of the target transaction; the merchant 20 is the payee of the target transaction.
  • the target transaction also includes that the merchant 20 provides services or commodities to the user 10; the user 10 is the user of the service and/or the buyer of the commodity; the merchant 20 is the provider of the service and/or the commodity Of sellers (ie merchants).
  • the user 10 may be the enjoyment party of the service.
  • the merchant 20 and the third-party payment company 30 may jointly provide the user 10 with the service.
  • the services may include, but are not limited to, taking public transportation, taxi services, mobile phone application withholding, and unmanned container credit payment.
  • the public transportation includes, but is not limited to, subways and buses.
  • the terminal device 100 may be an intelligent electronic device of the user 10.
  • the terminal device 100 may include, but is not limited to, a smart phone, a mobile device, a tablet computer, a notebook computer, a built-in device of a motor vehicle or the like, or any combination thereof.
  • the terminal device 100 may include a smart phone, a personal digital assistant (PDA), a game device, a navigation device, a point of sale (POS) device, etc., or any combination thereof.
  • the smart electronic device may include, but is not limited to, a notebook computer, a tablet computer, a smart home device, a wearable device, a virtual reality device, an augmented reality device, etc., or any combination thereof.
  • Smart home devices may include smart lighting devices, control devices of smart electrical devices, smart walkie-talkies, etc., or any combination thereof.
  • Wearable devices may include smart bracelets, smart shoes, smart glasses, smart helmets, smart watches, smart clothing, smart backpacks, smart accessories, etc., or any combination thereof.
  • the virtual reality device and/or the augmented reality device may include a virtual reality helmet, virtual reality glasses, virtual reality patch, augmented reality helmet, augmented reality glasses, augmented reality patch, etc. or any combination thereof.
  • the virtual reality device and/or augmented reality device may include Google Glass, Oculus Rift, Hololens, Gear VR, and so on.
  • the target application 50 may be installed on the terminal device 100.
  • the target application 50 may include a first app or a first applet provided by the merchant 20 for the user 10 to facilitate the interaction between the user 10 and the merchant 20 through the network 130.
  • the first app may be a subway ride app.
  • the first applet may be a subway ride applet.
  • the target application 50 may also include a second app or a second applet provided by the third-party payment company 30 for the user 10 to facilitate the user 10 to interact with the third-party payment company 30 through the network 130.
  • the second app may be a third-party payment app.
  • the second applet may be a third-party payment program and/or instruction set.
  • the target application 50 can provide the user 10 with the ability and page to interact with the merchant 20 and/or the third-party payment company 30 through the network 130.
  • the target application 50 may present the target page 60 to the user 10.
  • the target page 60 is a kind of web page.
  • the target page 60 may be displayed on the display device of the terminal device 100.
  • the display device may be the display screen of the terminal device 100.
  • the target page 60 may include, but is not limited to, a page for signing a deduction, a setting page, a page for requesting a ride code, a page for a ride code, a payment page, a password box page, a successful contract page, a successful payment page, and so on.
  • the target page 60 may include at least one icon.
  • the icons may include, but are not limited to, picture icons, text icons, web site icons, etc. displayed on the target page 60.
  • the icon may point to at least one process.
  • the user 10 can click the icon to trigger the process pointed to by the icon.
  • the icon may display some notification information that needs to be perceived by the user 10. For example, when the user 10 has successfully signed a contract with the third-party payment company 30, the target page 60 may display the information of the successful contract to notify the user 10 of the successful contract.
  • the user 10 can apply to the merchant 20 to enjoy the target service through the target page 60 in the terminal device 100.
  • the user 10 applies for the entry QR code through the ride page in the subway ride app.
  • the user 10 may apply to the third-party payment company 30 through the target page 60 in the terminal device 100 to sign an agreement on using the target payment channel to pay for the target transaction.
  • the user 10 applies through the payment setting page to use the third-party payment company 30 for secret-free payment in the target transaction.
  • the user 10 can also authorize the third-party payment company 30 through the terminal device 100 to pay the merchant 20 for the target transaction according to the agreed payment channel. For example, before taking the subway, the user 10 authorizes the third-party payment company 30 to directly withdraw the cost of the subway ride from the user 10's account in the third-party payment company 30 after the user 10 leaves the station and transfer it to the merchant 20's account.
  • the third-party payment company 30 can provide the user 10 and the merchant 20 with a solution for the payment of fees for the target transaction.
  • the third-party payment company 30 can provide a digital resource transmission channel through the digital resource transmission system 300 to help the merchant 20 charge the user 10.
  • the digital resource transmission system 300 may be a third-party payment system.
  • the digital resource transmission channel may be a payment channel.
  • the digital resource transmission system 300 can extract a target number of digital resources from the account of the user 10 through the digital resource transmission channel and transfer them to the account of the merchant 20.
  • the digital resource transmission system 300 can act as a payment intermediary for the user 10 and the merchant 20 to provide the user 10 and the merchant 20 with target payment services related to the target transaction.
  • the target payment service may be a billing service.
  • the withholding service may be a secret-free withholding service.
  • the secret-free withholding service may include: the payer authorizes the receiver to send a deduction instruction to the digital resource transmission system 300, and authorizes the digital resource transmission system 300 to obtain a password from the payer according to the deduction instruction.
  • the target money is deducted from the payer's account to the payee's account.
  • the digital resource transmission system 300 can take out the user 10's subway service fee from the user 10's account and pay it to the merchant 20.
  • the account may be an account authorized by the user 10 to access the digital resource transmission system 300.
  • the account may be an account that the user 10 authorizes the payment system to perform partial management.
  • the account may include, but is not limited to, electronic wallets, bank cards, online merchant banks, wealth management products, credit cards, and so on.
  • the digital resource transmission system 300 can receive a fee deduction instruction from the transaction system 200 of the merchant 20 and deduct the target fee from the account of the user 10.
  • the target fee refers to the fee for the user 10 to enjoy the subway service.
  • the digital resource transmission system 300 may issue a credit report to the merchant 20 regarding the user 10 enjoying the target service.
  • the credit report may include comprehensive credit data of the user 10.
  • the credit report can guarantee the transaction behavior of the user 10 within a period of time after the credit report is generated. For example, before the user 10 signs a target transaction with the merchant 20, the third-party payment company 30 may receive a request from the merchant 20 to obtain the credit report of the user 10, and return the credit report of the user 10 inquired to the merchant 20. The merchant 20 can decide whether to accept the transaction request of the user 10 in the next period of time according to the credit report.
  • the digital resource transmission system 300 may send a consultation request to the risk assessment system 500 to obtain comprehensive credit data about the user 10.
  • the comprehensive credit data may include a default risk value and a credit value.
  • the default risk value may be the risk that the merchant 20 cannot recover the target service fee after the user 10 has finished enjoying the target service.
  • the credit value can evaluate the credit rating of the user 10.
  • the credit value can also be used to evaluate whether the user 10 is qualified to open a target account.
  • the target account may include a credit account with an overdraft function.
  • the risk assessment system 500 may include at least one sub-risk assessment module.
  • the at least one sub-risk assessment module may be respectively used to assess the sub-risks of using one or more sub-accounts to pay for the service fee.
  • the assessment risk assessment system 500 may respectively send a sub-assessment request to the at least one sub-risk assessment module to obtain the risk of the user using different sub-accounts for payment.
  • one or more of the at least one sub-risk module may be coupled in the digital resource transmission system 300.
  • the risk assessment system 500 can use the account behavior, credit history, transaction behavior, asset status, etc. of the current user 10 as a judgment basis, and use machine algorithms such as logistic regression, machine learning, and migration learning to identify the possibility of arrears of the user 10 currently inquired about. If the possibility of arrears is higher than the threshold, the current user is determined to be a medium-high risk user; if the possibility of arrears is lower than the threshold, the current user is determined to be a low-risk user.
  • machine algorithms such as logistic regression, machine learning, and migration learning
  • the merchant 20 may provide goods or services to the user 10.
  • the merchant 20 may provide services to the user 10 through the target device 40 and the target application 50 installed in the terminal device 100 of the user 10.
  • the merchant 20 may be the subway company of M City that provides subway ride services for the user 10
  • the target application 50 may be the subway ride app of the merchant 20
  • the target device 40 may be the entry/exit gates of the subway company M and the subway.
  • 20 can provide users 10 with subway ride services through the subway ride app, the entry/exit gates, and the subway.
  • the merchant 20 may provide the user 10 with a ride service by opening the gate of the inbound gate or the gate of the outbound gate.
  • FIG. 3 shows a schematic diagram of the hardware structure of a service processing system 200 and/or terminal device 100 according to an embodiment of the present application.
  • the following description will take the service processing system 200 as an example to introduce the hardware structure.
  • the business processing system 200 includes at least one memory 230 and at least one processor 220.
  • the business processing system 200 may further include a communication port 250 and an internal communication bus 210.
  • the business processing system 200 may also include an I/O component 260.
  • the internal communication bus 210 can connect different system components, including the memory 230 and the processor 220.
  • the I/O component 260 supports input/output between the business processing system 200 and other components.
  • the memory 230 may include a data storage device.
  • the data storage device may be a non-transitory storage medium or a temporary storage medium.
  • the data storage device may include one or more of a magnetic disk 232, a read only memory (ROM) 234, or a random access memory (RAM) 236.
  • the memory 230 also includes at least one instruction set stored in the data storage device.
  • the instruction set is a computer program code, and the computer program code may include programs, routines, objects, components, data structures, procedures, modules, etc., that execute the method for digital resource transmission provided in this application.
  • the communication port 250 is used for data communication between the business processing system 200 and the outside world.
  • the service processing system 200 may connect to the network 130 through the communication port 250, and then receive a request from the terminal device 100 of the user 10 and/or from the digital resource transmission system 300.
  • At least one processor 220 communicates with at least one memory 230 through an internal communication bus 210.
  • the at least one processor 220 is configured to execute the aforementioned at least one instruction set.
  • the service processing system 200 implements the digital resource transmission method provided in this application.
  • the processor 220 may perform part of the steps included in the digital resource transmission method.
  • the processor 220 may be in the form of one or more processors.
  • the processor 220 may include one or more hardware processors, such as a microcontroller, a microprocessor, a reduced instruction set computer (RISC), and a dedicated Integrated circuit (ASIC), application-specific instruction set processor (ASIP), central processing unit (CPU), graphics processing unit (GPU), physical processing unit (PPU), microcontroller unit, digital signal processor (DSP) ), Field Programmable Gate Array (FPGA), Advanced RISC Machine (ARM), Programmable Logic Device (PLD), any circuit or processor capable of performing one or more functions, or any combination thereof.
  • a microcontroller such as a microcontroller, a microprocessor, a reduced instruction set computer (RISC), and a dedicated Integrated circuit (ASIC), application-specific instruction set processor (ASIP), central processing unit (CPU), graphics processing unit (GPU), physical processing unit (PPU), microcontroller unit, digital signal processor (DSP) ), Field Programmable Gate Array (FPGA), Advanced RISC Machine (ARM), Programmable Logic Device (PLD), any circuit or
  • step A and step B can also be performed jointly or separately by two different processors 220 (for example, the first processor Step A is executed, and the second processor executes step B, or the first and second processors jointly execute steps A and B).
  • the service processing system 200 can receive a request from the terminal device 100 and process the request. For example, when the user 10 applies for contract withholding through the target page 60, the business processing system 200 may process the contract request and return the processing result to the user 10. For another example, after the user 10 exits the subway gate, the business processing system 200 may obtain the travel fare for the user and request the digital resource transmission system 300 to charge the user 10 for the subway fare.
  • the business processing system 200 can also formulate a payment strategy for the user 10 according to the comprehensive data of the user 10.
  • the process of formulating a payment strategy by the business processing system 200 may be in the process of contracted business processing, or in the process of two-dimensional code request business processing.
  • the business processing system 200 may query the comprehensive credit data of the user 10, and push different digital resource transmission channels to the user 10 according to the query result.
  • the business processing system 200 may query the account balance and/or credit of the user 10, and push different digital resource transmission channels to the user 10 according to the query result.
  • the partial steps of the process S100 shown in FIG. 1 describe the process of the business processing system 200 formulating a payment strategy.
  • a contract service is taken as an example to describe the characteristics of each step in the process S100.
  • the terminal device 100 receives a first page request of the user 10 to trigger an operation.
  • the terminal device 100 sends a first page request to the service processing system 200.
  • the first page request includes the identity information of the user 10.
  • the user 10 can initiate the signing process of signing the withholding agreement through the target page 60 on the terminal device 100.
  • the user 10 may trigger the process S100 through a registration/setting page displayed on the screen of the terminal device 100.
  • the terminal device 100 When the process S100 is triggered, the terminal device 100 needs to display the first page to the user 10 in response to the trigger operation of the user 10. Therefore, the terminal device 100 may send a first page request to the service processing system 200 to request to receive data of the first page.
  • the first page request includes the identity information of the user 10.
  • the shown identity information of the user 10 may be an account registered by the user 10 in the business processing system 200.
  • the service processing system 200 obtains a request for execution of a transmission protocol submitted by the terminal device 100 for the digital resource.
  • the request includes the identity information of the user 10.
  • the transmission agreement may be a withholding agreement for contracted withholding.
  • the withholding agreement may include a process in which the user uses the ride code to ride the ride and pay the ride fee.
  • the process may include: when the user is taking the subway, the mobile phone code is displayed, and the code is read and verified by the gate scanning device to enter and leave the station. After leaving the station, the third-party payment platform deducts the corresponding ride from the user’s account. The fare is paid to the subway merchant to complete the subway fare payment.
  • the user will authorize: the subway merchant sends a deduction instruction to the digital resource transmission system on behalf of the user; the digital resource transmission system can according to the deduction instruction issued by the subway merchant, without verifying the user’s account password, payment password and In the case of information such as SMS verification code, the corresponding amount is directly deducted from the user's account to the subway merchant (ie, password-free payment).
  • the withholding agreement may also include the following content: the service provider has the right to obtain the user’s credit record or transaction record, decide whether to accept the user’s service application, and can conduct transactions on the user’s authority and identity based on registration information and other relevant elements. Verify.
  • the agreement may also include: the service provider has the right to inquire about the user's credit status from a credit platform (for example, a third-party credit information platform), and decide whether to continue using the service for the user based on the user's credit status.
  • the agreement may also include: the user authorizes the user's identity information to be provided to related companies such as subway companies, third-party payment companies, and third-party credit companies.
  • the identity information may include, but is not limited to, name, ID card, and mobile phone number.
  • S140 The business processing system 200 obtains the comprehensive credit data of the target user.
  • the integrated credit data may include the default risk value and credit value of the user 10.
  • the credit value can be used to determine whether the user 10 has the authority to open the first target account 11.
  • the minimum number of the digital resources in the first target account 11 is a preset negative number.
  • the first target account 11 may include a credit account with an overdraft function opened by the digital resource transmission system 300.
  • the digital resource transmission system 300 can share the credit data of the target terminal 100 in the first target account 11 with a third-party credit investigation system.
  • the default risk value may be used to indicate the default risk of the user 10 using the second target account 12 to pay for the target service.
  • the minimum number of the digital resources in the second target account 12 may be a preset non-negative number.
  • the second target account 12 may be a debit account opened by the user 10 in the digital resource transmission system 300 without an overdraft function.
  • the second target account 12 may be associated with a third-party digital resource transmission channel.
  • the second target account 12 may be an account of a third-party digital resource transmission channel authorized by the user 10 for the digital resource transmission system 300 to have partial management functions.
  • the third-party digital resource transmission channel may be the bank system of B city
  • the second target account 12 may be a debit card account or a credit card account opened by the user 10 in the bank system of B city.
  • the user 10 can bind the debit card account or credit card account with the account of the user 10 in the resource transmission system 300.
  • the business processing system 200 may send a request to the digital resource transmission system 300 to obtain the comprehensive credit data of the user 10.
  • the digital resource transmission system 300 may send a request to the risk assessment system 500 to obtain the comprehensive credit data of the user 10.
  • the digital resource transmission system 300 may send sub-risk assessment requests to the sub-risk assessment modules of the risk assessment system 500 respectively.
  • the sub-risk assessment request may be used to assess the sub-risk of the user 10 using one or more sub-accounts to pay the cost of the target transaction.
  • the digital resource transmission system 300 may request the sub-risk assessment module 510 to obtain the risk value of the user 10.
  • the digital resource transmission system 300 may request the sub-risk assessment module 520 to obtain the default risk value of the user 10.
  • the risk assessment system 500 sends the comprehensive credit data of the user 10 to the digital resource transmission system 300.
  • the risk assessment system 500 may encapsulate the integrated credit data in one or more response packets and send it to the digital resource transmission system 300.
  • the digital resource transmission system 300 sends the integrated credit data to the business processing system 200.
  • the business processing system 200 obtains the comprehensive credit data of the user 10.
  • the comprehensive credit data includes the default risk value and credit value of the user 10.
  • the third-party payment system may ask the sub-security module 520 whether the user can sign up to use the second target account 12 as a proxy. buckle.
  • the second security module queries the internal model strategy, returns the user's risk level, and outputs the query result to the subway merchant.
  • the third-party payment system can also simultaneously send a consultation request to the sub-security module 510 "has the current user opened the first target account 11 and can the first target account 11 be opened?".
  • the third-party payment system outputs "whether the current user has opened the first target account 11 and whether the first target account 11 can be opened" to the subway merchant.
  • the default risk value may include the risk value of the user 10 using the second target account 12 to pay for the target transaction. For example, whether the user 10 can sign up to use the second target account 12 withholding and/or the risk level of the user 10 using the second target account 12 withholding.
  • the risk level may include low risk, medium risk, and high risk.
  • "the default risk of the payer for the target transaction" and "the risk that the receiver provides the target payment service to the payer of the target transaction" may be considered to be consistent.
  • the business processing system 200 determines a target channel from at least one digital resource transmission channel based on the comprehensive credit data.
  • the business processing system 200 may formulate a payment strategy for the user 10 according to the comprehensive credit data.
  • the business processing system 200 can determine a target channel from at least one digital resource transmission channel as a payment strategy for the user 10.
  • the at least one digital resource transmission channel includes one or more of a first digital resource transmission channel and a second digital resource transmission channel.
  • the first digital resource transmission channel is configured such that the digital resource transmission system 300 transfers digital resources from the target terminal 100 to the first target account 11 of the digital resource transmission system 300 based on the first authorization data.
  • the first authorization data can be used as a token for the digital resource transmission system 300 to extract the digital resource from the first target account 11 of the user 10.
  • the first authorization data may include verification information authorized by the user 10, and the verification information may include, but is not limited to, password information, fingerprint information, voice information, facial information, and so on.
  • the user 10 authorizes the first authorization data to the service processing system 200 and the digital resource transmission system 300 in the contract process. For example, in the process of signing a deduction, the user 10 enters a password through a password box displayed on the interface 60, and authorizes the password to the business processing system 200 and the digital resource transmission system 300.
  • the user 10 authorizes the first authorization data to the business processing system 200 and the digital resource transmission system 300 in the process of requesting a transaction. For example, before riding a car, the user 10 scans the code to pay, and the user 10 inputs a password and authorizes the password to the digital resource transmission system 300.
  • the second digital resource transmission channel is configured such that the digital resource transmission system 300 transfers digital resources from the target terminal 100 to the second target account 12 of the digital resource transmission system 300 based on the second authorization data.
  • the second authorization data can be used as a token for the digital resource transmission system 300 to extract the digital resource from the second target account 12 of the user 10.
  • the characteristics and acquisition method of the second authorization data may be the same as or similar to the first authorization data. For the sake of brevity, I won't repeat them here.
  • the business processing system 200 may determine the payment strategy for the user 10 according to the comprehensive credit data of the user 10.
  • the business processing system 200 can determine the target channel from the first digital resource transmission channel and the second digital resource transmission channel as a payment strategy for the user 10.
  • the payment strategy may include the first payment strategy: the business processing system 200 determines that the credit value is higher than the credit threshold and the default risk value is higher than the default threshold, or the default risk value is lower than the default risk value. The default threshold; the business processing system 200 determines that the target channel includes the first digital resource transmission channel.
  • the credit value can be used to determine whether the user 10 has the authority to open the first target account 11.
  • the default risk value may be used to indicate the default risk of the user 10 using the second target account 12 to pay for the target service.
  • the business processing system 200 determines that the risk level of the user using the second target account 12 for payment is medium to high risk, and the user can open the first target account 11; the business processing system 200 sets the first target account 11 of the user 10 as the user 10
  • the business processing system 200 determines the first digital resource transmission channel capable of credit payment as the target payment channel. In this way, when the target user 10 makes a target transaction request in the future, if the target user 10 is a medium-high risk user, the target user 10 can be guided to the channel of the first digital resource transmission channel that can make credit payments, which improves the interception accuracy rate. , Reduce user interruption, improve user experience, and avoid user loss.
  • the payment strategy may include a second payment strategy: the business processing system 200 determines that the credit value is lower than a credit threshold, and the risk of default value is higher than a default threshold; the business processing system 200 determines the target The channel is the second digital resource transmission channel.
  • the credit value can be used to determine whether the user 10 has the authority to open the first target account 11.
  • the default risk value may be used to indicate the default risk of the user 10 using the second target account 12 to pay for the target service.
  • the business processing system 200 determines the second digital resource transmission channel as the target payment channel.
  • the business processing system 200 may notify the user 10 to purchase tickets offline through the second digital resource transmission channel.
  • the message reminding the user may also include operational information.
  • the operating information may be: if the user chooses the second digital resource transmission channel to scan a code offline to purchase a ride ticket, a certain amount of red envelopes (such as a dime) will be issued to the user.
  • the payment strategy includes a third payment strategy: according to the foregoing description, the credit value can be used to determine whether the user 10 has the authority to open the first target account 11.
  • the default risk value may be used to indicate the default risk of the user 10 using the second target account 12 to pay for the target service.
  • the business processing system 200 determines that the default risk value is lower than the default threshold; the business processing system 200 determines that the target channel includes the second digital resource transmission channel.
  • the business processing system 200 uses the first target account 11 as the payment account for the user 10 to perform the target transaction, and determines that the second digital resource transmission channel is the target channel.
  • the target channel may also include the first digital resource transmission channel.
  • the business processing system 200 obtains the comprehensive credit data about the target user from the digital resource transmission system 300, and formulates the payment strategy for the target user 10 based on the comprehensive credit data, and determines the target payment channel .
  • the service processing system 200 sends an instruction signal to the terminal device 100, where the instruction signal instructs the terminal device to display the first page on its display device.
  • the business processing system 200 may send an instruction signal to the terminal device 100 to instruct the terminal device 100 to load the first page.
  • Different payment strategies correspond to different first pages.
  • the content of the first page is related to the comprehensive credit data of the user 10.
  • S170 The terminal device 100 obtains data of the first page.
  • S180 The terminal device 100 loads the first page according to the data of the first page.
  • the first page includes at least one target icon, and the target icon is triggered to activate the process of opening the target channel.
  • FIG. 4A shows a schematic diagram of a first page 610 provided according to an embodiment of the present application.
  • the business processing system 200 may instruct the terminal device 100 to load the first page 610.
  • the user 10 triggers the first icon 611 to activate the process of opening the first digital resource transmission channel.
  • the terminal device 200 may also load a password box page to request the user 10 to input a payment password.
  • the payment password can be used as the first authorization data.
  • the terminal device 100 sends the first authorization data to the business processing system 200 and/or the digital resource transmission system 300.
  • the service processing system 200 obtains first authorization data from the target terminal device 100 in response to the signal triggering the first icon 611 and the opening of the first digital resource transmission channel.
  • the business processing system 200 sets the first digital resource transmission channel capable of credit payment as the target payment channel, and obtains the first authorization data for payment using the first digital resource channel.
  • the target user 10 makes a target transaction request in the future, if the target user 10 is a medium-high risk user, the target user 10 can be guided to the channel of the first digital resource transmission channel that can make credit payments, which improves the interception accuracy rate. , Reduce user interruption, improve user experience, and avoid user loss.
  • FIG. 4B shows a processing flow S610 for submitting a transaction request to a user according to an embodiment of the present application.
  • S611 The terminal device 100 generates an execution request for the target operation.
  • the service processing system 200 obtains the execution request for the target operation submitted by the target terminal.
  • the execution request of the target operation may include identification information of the target terminal.
  • the identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 to identify the identity of the user 10.
  • the execution request of the target operation may be a request to open an inbound gate.
  • the execution request generated by the terminal device 100 may be in the form of a stop code.
  • the business processing system 200 recognizes the inbound boarding code of the terminal device 100, and then obtains the request submitted by the terminal device 100 to open the inbound gate.
  • the business processing system 200 executes the operation of opening the entry gate.
  • S614 The terminal device 100 generates an end instruction for the target operation.
  • the end instruction of the target operation generated by the terminal device 100 may be in the form of an outbound code.
  • the end instruction of the target operation includes the identification information of the terminal device 100.
  • the identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 to identify the identity of the user 10.
  • the end instruction of the target operation (such as an outbound code) may instruct the service processing system 200 to send to the digital resource transmission system 300 the received number of digital resources corresponding to the target operation and the first authorization data.
  • the outbound code may instruct the business processing system 200 to send the travel fare between the inbound gate and the outbound gate to the digital resource transmission system 300 and use the first digital resource transmission channel to pay the first authorization data.
  • S615 The service processing system 200 obtains the end request for the target operation submitted by the target terminal.
  • the business processing system 200 recognizes the outbound boarding code of the terminal device 100, and then obtains the request submitted by the terminal device 100 to open the outbound gate.
  • S616 The business processing system 200 obtains the received number of the digital resources corresponding to the target operation.
  • the business processing system 200 can obtain the ride fee of the user 10 according to the code scanning record of the entry/exit gate.
  • the service processing system 200 sends the collected amount and the first authorization information to the digital resource transmission system 300, and instructs the digital resource transmission system 300 to directly transmit the collected amount of the digital resource through the first digital resource.
  • the channel is transmitted from the first target account 11 to the target account 21.
  • the service processing system 200 recognizes the outbound code of the user 10.
  • the business processing system 200 obtains the ride fee of the user 10, and the business processing system 200 generates an order based on the ride fee and places the order to the digital resource transmission system 300.
  • the digital resource transmission system 300 transfers the fee from the first target account 11 of the user 10 to the target account 21 of the merchant 20 through the first digital resource transmission channel according to the ride fee and the first authorization data.
  • FIG. 5A shows a schematic diagram of a first page 620 provided according to an embodiment of the present application.
  • the business processing system 200 may instruct the terminal device 100 to load the first page 620.
  • the user 10 can trigger the second icon 621 to activate the process of opening the second digital resource transmission channel.
  • FIG. 4B shows a processing flow S620 for submitting a transaction request to a user according to an embodiment of the present application.
  • S621 The terminal device 100 submits a transmission request for the digital resource to the digital resource transmission system 300.
  • the digital resource transmission system 300 obtains the transmission request submitted for the digital resource from the terminal device 100.
  • the transmission request may be a payment order placed by the user 10 to the digital resource transmission system 300 through the terminal device 100.
  • the transmission request may include: the received number of digital resources corresponding to the execution target operation, and second authorization information.
  • the target operation may be to issue passenger coins.
  • the page of the terminal device 100 can jump to the page for scanning the code payment using the second digital resource transmission channel.
  • the payment amount may be included on the page.
  • the user scans the QR code to pay and enters the payment password.
  • the payment password can be used as the second authorization data.
  • the terminal device 100 places an order to the digital resource transmission system 300.
  • the digital resource transmission system 300 transmits the collected digital resource from the second target account 12 to the target account 21 through the target channel. After receiving the payment order from the terminal device 100, the digital resource transmission system 300 extracts the ride fee from the second target account 12 of the user 10 through the second digital resource transmission channel according to the second authorization data and transfers it to the merchant 20 Account 21.
  • the business processing system 200 receives a confirmation signal from the digital resource transmission system 300 to transmit the collected digital resource from the second target account to the target account through the target channel.
  • the digital resource transmission system 300 sends a message to the business processing system 200 to notify that the payment is successful.
  • the business processing system 200 receives the message that the payment is successful, and executes the operation of issuing passenger coins.
  • FIG. 4C shows a schematic diagram of the first page 630 provided according to an embodiment of the present application.
  • the business processing system 200 may instruct the terminal device 100 to load the first page 630.
  • the user 10 can trigger the third icon 631 to activate the process of opening the second digital resource transmission channel.
  • the terminal device 200 may also load a password box page to request the user 10 to input a payment password.
  • the payment password can be used as the second authorization data.
  • the terminal device 100 sends the second authorization data to the service processing system 200.
  • the service processing system 200 obtains second authorization data from the target terminal device 100 in response to the signal triggering the third icon 631 and the opening of the second digital resource transmission channel.
  • Fig. 6B shows a processing flow S630 for submitting a transaction request to a user according to an embodiment of the present application.
  • S631 The terminal device 100 generates an execution request for the target operation.
  • S632 The service processing system 200 obtains the execution request for the target operation submitted by the terminal device 100.
  • the execution request of the target operation includes the identification information of the target terminal.
  • the identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 to identify the identity of the user 10.
  • the execution request of the target operation may be a request to open an inbound gate.
  • the execution request generated by the terminal device 100 may be in the form of a stop code.
  • the business processing system 200 recognizes the inbound boarding code of the terminal device 100, and then obtains the request submitted by the terminal device 100 to open the inbound gate.
  • the business processing system 200 executes the operation of opening the entry gate.
  • S634 The terminal device 100 generates an end instruction for the target operation.
  • the end instruction of the target operation generated by the terminal device 100 may be in the form of an outbound code.
  • the end instruction of the target operation includes the identification information of the terminal device 100.
  • the identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 to identify the identity of the user 10.
  • the end instruction of the target operation may instruct the service processing system 200 to send to the digital resource transmission system 300 the received number of the digital resources corresponding to the target operation and the second authorization data.
  • the outbound code may instruct the business processing system 200 to send the travel fare between the inbound gate and the outbound gate and the second authorization data to the digital resource transmission system 300.
  • S635 The service processing system 200 obtains the end request for the target operation submitted by the target terminal.
  • the business processing system 200 recognizes the outbound boarding code of the terminal device 100, and then obtains the request submitted by the terminal device 100 to open the outbound gate.
  • S636 The business processing system 200 obtains the received number of the digital resources corresponding to the target operation.
  • the business processing system 200 can obtain the ride fee of the user 10 according to the code scanning record of the entry/exit gate.
  • the service processing system 200 sends the collected amount and the second authorization information to the digital resource transmission system 300, instructing the digital resource transmission system 300 to directly transfer the collected amount of the digital resource from the second digital resource transmission channel
  • the second target account 12 is transmitted to the target account 21.
  • the service processing system 200 recognizes the outbound code of the user 10.
  • the business processing system 200 obtains the ride fee of the user 10, and the business processing system 200 generates an order based on the ride fee and places the order to the digital resource transmission system 300.
  • the digital resource transmission system 300 transfers the fee from the second target account 12 of the user 10 to the target account 21 of the merchant 20 through the second digital resource transmission channel according to the ride fee and the second authorization data.
  • the terminal device 100 loads the first page 610, and if the user 10 refuses to choose to use the first digital resource transmission channel for payment, the terminal device 100 can jump to the first page 620 to prompt the user 10 to use the second digital resource Scan code payment offline through the transmission channel.
  • the consultation request initiated by the business processing system 200 to the digital resource transmission system 300 regarding the risk of the user’s target transaction may be in the user registration and contract phase. Before the user submits one or more service requests.
  • this application uses a contracted service as an example to describe some steps of the digital resource transmission method described in this application.
  • Those skilled in the art can easily understand that some steps in the digital resource transmission method can also be applied to other services.
  • the digital resource transmission method S100 shown in FIG. 1 can also be applied to the business process of requesting a ride code without departing from the core spirit of the invention described in this application.
  • the digital resource transmission method in the case of identifying that the user may not be able to pay, awakens the user’s first digital resource transmission channel with credit reporting function, and forces or guides users to use the first digital resource transmission channel for users of different levels.
  • a digital resource transmission channel is used for payment, and when the user chooses not to use the first digital resource transmission channel, the user is guided to use the second digital resource transmission channel to scan the code offline to buy tickets, and the user will be given a red envelope subsidy of about 1 cent during the period. Ensure that users who cannot use the second digital resource transmission channel for online withholding can continue to use the second digital resource transmission channel to scan the QR code to buy tickets and ride offline.
  • the digital resource transmission method described in this application uses the first digital resource transmission channel and other credit payment channels that are included in the credit investigation and have specific payment methods and channels as alternative payment channels, which solves the problem that users forget to pay or deliberately fail to pay The problem of bad debts.
  • the user after being determined to be a medium-to-high risk user, the user is not directly blocked and not allowed to ride, but a variety of options are available for the user to choose. For example, users can choose to use the first digital payment channel to continue to enjoy the ride before paying, or be guided offline to use the second digital resource transmission channel to scan the code to purchase tickets, which greatly improves the user experience.
  • the user after determining that the user is a medium-high-risk user, provide the user with the first digital payment channel payment method to continue to enjoy and pay for the ride or use a small red envelope to guide the medium-high-risk user to the offline second digital resource transmission
  • the channel scans the QR code to purchase tickets, avoiding the loss of users to competing payment channels.
  • the digital resource transmission method described in this application solves the problem that the user is directly blocked from the process in the enjoy-before-pay scenario.
  • the digital resource transmission method described in this application can reduce losses while guaranteeing new updates and retention.
  • the digital resource transmission method described in this application has opened up multiple systems such as the business processing system, digital resource transmission system, and risk assessment system of the merchant.
  • the business processing system described in this application can formulate a payment strategy based on the user’s comprehensive credit data.
  • the business processing system confirms that the current user’s risk is medium to high risk but the current user can make a communication payment
  • the business processing system sends a message to the terminal device.
  • Different command signals instruct the terminal device to display different pages, and then guide the user to the first digital resource transmission channel for credit payment or the offline payment channel using the second digital resource transmission channel to scan the QR code, which improves the merchant’s high-level
  • the interception accuracy rate of risky users reduces the interference rate to users, reduces the loss of users, and improves user experience.
  • the present application in order to help understand a feature, for the purpose of simplifying the present application, the present application sometimes combines various features in a single embodiment, drawings, or descriptions thereof. Or, this application disperses various features in multiple embodiments of this application. However, this does not mean that the combination of these features is necessary. It is entirely possible for those skilled in the art to extract some of the features as a separate embodiment for understanding when reading this application. In other words, the embodiments in this application can also be understood as an integration of multiple sub-embodiments. It is also true when the content of each sub-embodiment is less than all the features of a single aforementioned disclosed embodiment.
  • numbers expressing quantities or properties used to describe and claim certain embodiments of this application should be understood as modified by the terms “about”, “approximately” or “substantially” in some cases. For example, unless otherwise stated, “about”, “approximately” or “substantially” may mean a ⁇ 20% variation of the value described. Therefore, in some embodiments, the numerical parameters listed in the written description and appended claims are approximations, which may vary according to the desired properties that a particular embodiment attempts to achieve. In some embodiments, the numerical parameters should be interpreted based on the number of significant figures reported and by applying common rounding techniques. Although some embodiments described in this application list a wide range of numerical ranges and the parameters are approximate values, the specific examples all list as precise numerical values as possible.

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Abstract

一种业务处理系统以及由所述业务处理系统执行的数字资源传输方法，以及一种终端设备以及由所述终端设备执行的数字资源传输方法。根据上述数字资源传输方法，业务处理系统可根据用户的综合信用数据制定支付策略，当业务处理系统确认当前用户的风险为中高风险但是当前用户可开通信用支付时，业务处理系统通过向终端设备发送不同的指令信号，指示终端设备展示不同的页面，进而将所述用户引导至信用支付的第一数字资源传输通道或者线下采用第二数字资源传输渠道扫码支付的通道，提高了商家对中高风险用户的拦截准确率，降低了对用户的干扰率，减少了用户的流失，提高了用户体验。

Description

终端设备、业务处理系统以及数字资源传输的方法 技术领域
本申请涉及数字资源传输领域，特别涉及终端设备、业务处理系统以及数字资源传输的方法。
背景技术
先享后付是一种可提升用户服务体验和便利性的支付模式。先享后付可允许用户先享受服务、后扣除享受所述服务的费用。目前，先享后付模式在高德打车、苹果App代扣、无人货柜信用支付、地铁乘车中都有使用。
在授权用户享受先享后付服务(以下简称服务)之前，用户、支付方、商家通常会签署关于所述服务的协议。通常所述服务协议会咨询用户授权支付方向商家开通先享后付接口。在用户享受完商家提供的服务之后，商家可通过所述先享后付接口从支付方中获取服务的费用。
但是，先享后付在带来用户体验提升的同时，也带来了坏账风险。例如，在地铁乘车时，如果有用户在乘车后支付账户没有余额，那么，商家就无法通过开放的先享后付接口从支付账户中获得费用。这样，商家就产生了坏账。
针对商家已经产生坏账的情况，目前的风控解决方案通常都是拦截思路。即识别到可能无法付款的用户并阻拦其使用先享后付。在地铁行业里，目前的风控方案通常是：只有在确定用户有欠费的情况下才阻拦该用户使用先享后付接口。而针对疑似不付款用户，并未有风险防控方案。
发明内容
为降低先享后付业务场景中出现坏账的风险，本申请公开了一种数字资源传输的方法，包括，通过至少一个处理器：获取目标终端针对数字资源提交的执行传输协议的请求，所述请求包括目标用户的身份信息；获取所述目标用户的综合信用数据；基于所述综合信用数据，从至少一个数字资源传输渠道中确定目标渠道；以及向所述目标终端发送指令信号，所述指令信号指示所述目标终端在其显示设备上显示第一页面，所述第一页面包括目标图标，其中触发所述目标图标激活开通所述目标渠道的流程。
在一些实施例中，其中所述至少一个数字资源传输渠道包括第一数字资源传输渠道和第二数字资源传输渠道中的一个或多个。
在一些实施例中，其中所述第一数字资源传输渠道被配置为数字资源传输系统基于第一授权数据将数字资源从所述目标终端在所述数字资源传输系统的第一目标账号传输到所述至少一个处理器的目的账号的路径，其中所述第一目标账号中所述数字资源的数目最低限额为预设的负数，以及所述数字资源传输系统将所述目标终端在所述第一目标账号中的信用数据同第三方征信系统分享。
在一些实施例中，其中所述综合信用数据包括违约风险值以及信用值，所述方法还 包括：判断所述信用值高于信用阈值且所述违约风险值高于违约阈值，或者所述违约风险值低于所述违约阈值；确定所述目标渠道包括所述第一数字资源传输渠道；以及响应于触发所述目标图标的信号和所述目标渠道的开通，从所述目标终端获取第一授权数据。
在一些实施例中，所述方法还包括，通过所述至少一个处理器：获取所述目标终端提交的对目标操作的执行请求；执行目标操作；获取所述目标终端提交的对目标操作的结束请求；获取所述目标操作对应的所述数字资源的收取数目；向所述数字资源传输系统发送所述收取数目以及所述第一授权信息，指示所述数字资源传输系统直接将所述收取数目的所述数字资源通过所述目标渠道从所述第一目标账号传输到所述目的账号。
在一些实施例中，其中所述第二数字资源传输渠道被配置为数字资源传输系统基于第二授权信息将数字资源从所述目标终端在所述数字资源传输系统的第二目标账号传输到所述至少一个处理器的目的账号的路径，其中所述第二目标账号包括下述至少一个设置：所述第二目标账号中所述数字资源的数目最低限额为预设的非负数，以及所述第二目标账号同第三方数字资源传输渠道相关联。
在一些实施例中，其中所述综合信用数据包括违约风险值，所述方法还包括：判断所述违约风险值低于违约阈值；确定所述目标渠道包括所述第二数字资源传输渠道；以及响应于触发所述目标图标的信号和所述目标渠道的开通，从所述目标终端获取第二授权信息。
在一些实施例中，所述方法还包括，通过所述至少一个处理器：获取所述目标终端提交的对目标操作的执行请求；执行目标操作；获取所述目标终端提交的对目标操作的结束请求；获取所述目标操作对应的所述数字资源的收取数目；向所述数字资源传输系统发送所述收取数目以及所述第二授权信息，指示所述数字资源传输系统直接将所述收取数目的所述数字资源通过所述目标渠道从所述第二目标账号传输到所述目的账号。
在一些实施例中，其中所述综合信用数据包括违约风险值和信用值，所述方法还包括：判断所述信用值低于信用阈值；判断所述违约风险值高于违约阈值；以及确定所述目标渠道为所述第二数字资源传输渠道。
在一些实施例中，所述方法还包括，通过所述至少一个处理器：收到所述数字资源传输系统发出的将目标收取数目的数字资源通过所述目标渠道从所述第二目标账号传输到目的账号的确认信号；以及执行目标操作。
本申请还公开了一种业务处理系统，包括：至少一个存储器，包括至少一个指令集；以及至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器执行所述至少一个指令集时，所述至少一个处理器执行本申请所述的方法。
本申请还公开了一种基于信用数据进行数字资源传输的方法，包括，通过终端设备的至少一个处理器：接收目标用户的第一页面请求触发操作；向目标业务处理系统发送第一页面请求，所述第一页面请求包括目标用户的身份信息；获取第一页面的数据，其中，所述第一页面的数据同所述目标用户的综合信用数据相关；以及根据所述第一页面的数据加载所述第一页面，其中，所述第一页面包括至少一个目标图标，其中触发所述目标图标激活开通目标渠道的流程，所述目标渠道包括第一数字资源传输渠道和第二数 字资源传输渠道中的至少一个，以及所述第一数字资源传输渠道和所述第二数字传输渠道对应不同的综合信用数据。
在一些实施例中，其中所述第一数字资源传输渠道被配置为数字资源传输系统基于第一授权数据将数字资源从所述终端设备在所述数字资源传输系统的第一目标账号传输到所述目标业务处理系统的目的账号的路径，其中：所述第一目标账号中所述数字资源的数目最低限额为预设的负数，以及所述数字资源传输系统将所述终端设备在所述第一目标账号中的信用数据同第三方征信系统分享。
在一些实施例中，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值高于违约阈值并且所述信用值高于信用阈值，或者所述违约风险值低于所述违约阈值；以及所述至少一个目标图标包括：第一图标，其中触发所述第一图标激活开通所述第一数字资源传输渠道的流程。
在一些实施例中，所述的数字资源传输方法，还包括：接收来自所述目标用户对所述第一图标的触发操作；以及获取第一授权信息并发送给所述业务处理系统。
在一些实施例中，所述的数字资源传输方法，还包括：生成对目标操作的执行请求，所述目标操作的执行请求包括所述目标终端的识别信息；以及生成对所述目标操作的结束指令，其中所述目标操作的结束指令包括所述目标终端的识别信息，以及所述目标操作的结束指令指示所述目标业务处理系统向所述数字资源传输系统发送所述目标操作对应的所述数字资源的收取数目以及所述第一授权信息。
在一些实施例中，其中所述第二数字资源传输渠道被配置为数字资源传输系统基于第二授权数据将数字资源从所述终端设备在所述数字资源传输系统的第二目标账号传输到所述目标业务处理系统的目的账号的路径，其中所述第二目标账号包括下述至少一个设置：所述第二目标账号中所述数字资源的数目最低限额为预设的非负数，以及所述第二目标账号同第三方数字资源传输渠道相关联。
在一些实施例中，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值高于违约阈值并且所述信用值低于信用阈值；以及所述至少一个目标图标包括：第二图标，其中所述第二图标指示所述目标用户通过所述第二数字资源传输渠道向所述目的账号转移目标数目的数字资源。
在一些实施例中，所述的数字资源传输方法，还包括：向所述数字资源传输系统提交对所述数字资源的传输请求，其中所述传输请求包括：同执行目标操作对应的数字资源的收取数目，以及第二授权信息。
在一些实施例中，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值低于违约阈值；以及所述至少一个目标图标包括：第三图标，其中触发所述第三图标激活开通所述第二数字资源传输渠道的流程。
在一些实施例中，所述的数字资源传输方法，还包括：接收来自所述目标用户对所述第三图标的触发操作；以及获取第二授权信息并发送给所述业务处理系统。
在一些实施例中，所述的数字资源传输方法，还包括：生成对目标操作的执行请求，所述目标操作的执行请求包括所述目标终端的识别信息；以及生成对所述目标操作的结 束指令，其中所述目标操作的结束指令包括所述目标终端的识别信息，以及所述目标操作的结束指令指示所述目标业务处理系统向所述数字资源传输系统发送所述目标操作对应的所述数字资源的收取数目以及所述第一授权信息。
本申请还公开了一种终端设备，包括：至少一个存储器，包括至少一个指令集；以及至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器执行所述至少一个指令集时，所述至少一个处理器执行本申请所述的方法。
综上，根据本申请所述数字资源传输方法，业务处理系统可根据用户的综合信用数据制定支付策略，当业务处理系统确认当前用户的风险为中高风险但是当前用户可开通信用支付时，业务处理系统通过向终端设备发送不同的指令信号，指示终端设备展示不同的页面，进而将所述用户引导至信用支付的第一数字资源传输通道或者线下采用第二数字资源传输渠道扫码支付的通道，提高了商家对中高风险用户的拦截准确率，降低了对用户的干扰率，减少了用户的流失，提高了用户体验。
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图1示出了根据本申请实施例提供的一种数字资源传输方法的流程图；
图2示出了根据本申请实施例提供的一种数字资源传输方法的应用场景示意图；
图3示出了本申请实施例提供的一种终端设备和/或业务处理系统的硬件结构示意图；
图4A示出了根据本申请实施例提供的一种第一页面的示意图；
图4B示出了根据本申请实施例提供的一种业务处理流程示意图；
图5A示出了根据本申请实施例提供的一种第一页面的示意图；
图5B示出了根据本申请实施例提供的一种业务处理流程示意图；
图6A示出了根据本申请实施例提供的一种第一页面的示意图；以及
图6B示出了根据本申请实施例提供的一种业务处理流程示意图。
具体实施方式
先享后付保障安全接口是一种用于先享后付业务场景的风控产品。该接口同商家提供的服务模块耦合，可识别服务的享受方(即用户)的风险并拦截高风险用户。该接口在识别到高风险用户后并不会引导用户使用其他方式继续支付服务费用，而是直接拦截该用户，会损害用户享受服务的体验，无法完美平衡拦截的准确率和对用户的打扰。该接口中的拦截策略同风险等级相关。如果将风险阈值设置的过高，也就是将过多的用户当作高风险，会对用户造成打扰；如果设置的过低，也就是，过多的用户被当作低风险，拦截的准确率就会降低，也就是，没有被阻止的用户还可能产生坏账。
为降低先享后付业务场景中出现坏账的风险，本申请提供一种终端设备以及一种由所述终端设备执行的数字资源传输的方法。本申请提供一种业务处理系统以及一种由所述业务处理系统执行的数字资源传输的方法。图1示出了根据本申请实施例提供的一种 数字资源传输方法S100的流程图。图1所示的流程S100包括了由所述终端设备执行的数字资源传输的方法以及由所述业务处理系统执行的数字资源传输的方法。流程S100的部分步骤可由终端设备100来执行，部分步骤可由业务处理系统200来执行。
图2示出了根据本申请实施例提供一种数字资源传输方法S100的应用场景。具体地，所述应用场景可包括用户10、商家20以及第三方支付公司30。
用户10和商家20可进行目标交易。所述目标交易可包括服务交易。所述服务交易可包括但不限于乘坐公交，乘坐地铁，乘坐飞机，乘坐火车，餐饮服务，酒店服务。所述目标交易可包括商品交易。所述商品可包括有形商品和无形商品。作为示例，所述有形商品可包括但不限于家电，书籍；所述无形商品可包括但不限于股票，期权。
所述目标交易包括用户10向商家20支付目标数目的数字资源。作为示例，所述数字资源可是数字货币。所述数字货币可包括实体货币的数字表示。所述数字货币也可包括虚拟数字货币。为了便于描述，在本申请下面的描述中，以所述数字资源为实体货币的数字表示(以下简称费用)为例来阐述本申请所述数字资源的功能。
用户10是所述目标交易的付款方；商家20是所述目标交易的收款方。所述目标交易还包括商家20向用户10提供服务或商品；用户10是所述服务的享受方和/或所述商品的买家；商家20是所述服务的提供方和/或所述商品的卖家(即商家)。
用户10可是所述服务的享受方。商家20和第三方支付公司30可共同为用户10提供所述服务。所述服务可包括但不限于乘坐公共交通、打车服务、手机应用代扣、无人货柜信用支付。所述公共交通包括但不限于地铁、公交。
终端设备100可是用户10的智能电子设备。终端设备100可包括，但不限于，智能手机，移动设备，平板电脑，笔记本电脑，机动车辆的内置设备或类似内容，或其任意组合。在一些实施例中，终端设备100可包括智能电话，个人数字助理(PDA)，游戏设备，导航设备，销售点(POS)设备等，或其任意组合。在一些实施例中，所述智能电子设备可包括但不限于笔记本电脑、平板电脑、智能家居设备、可穿戴设备、虚拟现实设备、增强现实设备等或其任意组合。智能家居设备可包括智能照明设备、智能电气设备的控制设备、智能对讲机等或其任意组合。可穿戴设备可包括智能手镯、智能鞋类、智能眼镜、智能头盔、智能手表、智能服装、智能背包、智能配件等或其任意组合。虚拟现实设备和/或增强现实设备可包括虚拟现实头盔，虚拟现实眼镜，虚拟现实补丁，增强现实头盔，增强现实眼镜，增强现实补丁等或其任何组合。例如，所述虚拟现实设备和/或增强现实设备可包括谷歌眼镜、Oculus Rift、Hololens、Gear VR等。
终端设备100上可安装有目标应用50。在一些实施例中，目标应用50可包括商家20为用户10提供的便于用户10和商家20通过网络130进行交互的第一app或者第一小程序。作为示例，所述第一app可是地铁乘车app。作为示例，所述第一小程序可是地铁乘车小程序。在一些实施例中，目标应用50还可包括第三方支付公司30为用户10提供的便于用户10同第三方支付公司30通过网络130进行交互的第二app或者第二小程序。作为示例，所述第二app可是第三方支付app。作为示例，所述第二小程序可是第三方支付的程序和/或指令集。
目标应用50能够为用户10提供通过网络130同商户20和/或第三方支付公司30交互的能力以及页面。在一些实施例中，目标应用50可向用户10展示目标页面60。目标页面60可是一种网络页面。目标页面60可显示在终端设备100的显示设备上。作为示例，所述显示设备可是终端设备100的显示屏。目标页面60可包括，但不限于，签约代扣的页面，设置页面，请求乘车码页面，乘车码页面，支付页面，密码框页面，签约成功的页面，支付成功的页面，等等。
目标页面60可包括至少一个图标。所述图标可包括，但不限于，显示在目标页面60上的图片图标，文字图标，网址图标，等等。
所述图标可指向至少一个流程。用户10可点击所述图标，触发所述图标指向的流程。
所述图标可展示一些需要用户10感知的通知信息。例如，当用户10同第三方支付公司30签约成功，目标页面60可显示签约成功的信息以通知用户10签约成功。
用户10可通过终端设备100中的目标页面60向商家20申请享受所述目标服务。例如，用户10通过地铁乘车app中的乘车页面申请进站二维码。
用户10可通过终端设备100中的目标页面60向第三方支付公司30申请签署关于采用目标支付渠道支付目标交易的费用的协议。例如，用户10通过支付设置页面申请在所述目标交易中采用第三方支付公司30进行免密支付。
用户10还可通过终端设备100授权第三方支付公司30按照约定的支付渠道向商家20支付关于所述目标交易的费用。例如，在乘地铁之前，用户10授权第三方支付公司30在用户10出站后从用户10在第三方支付公司30的账户中直接提取出乘坐地铁的费用并转移至商家20的账户中。
第三方支付公司30可为用户10和商家20提供关于所述目标交易的费用支付的解决方案。第三方支付公司30可通过数字资源传输系统300提供数字资源传输渠道，帮助商家20对用户10进行收费。作为示例，所述数字资源传输系统300可是第三方支付系统。作为示例，所述数字资源传输渠道可是支付渠道。作为示例，数字资源传输系统300可通过所述数字资源传输渠道从用户10的账户中提取出目标数目的数字资源并转移至商家20的账户中。
数字资源传输系统300可作为用户10、商家20的支付中介为用户10和商家20提供关于所述目标交易的目标支付服务。所述目标支付服务可是代扣服务。在一些实施例中，所述代扣服务可是免密代扣服务。所述免密代扣服务可包括：付款方授权收款方向数字资源传输系统300发送扣费指令，并授权数字资源传输系统300根据所述扣费指令无需从所述付款方获得密码即可从所述付款方的账户中扣取目标款项至所述收款方的账户中。例如，数字资源传输系统300可从用户10的账户中取出用户10享受乘坐地铁服务的费用并支付给商家20。所述账户可是用户10授权接入数字资源传输系统300的账户。所述账户可是用户10授权支付系统进行部分管理的账户。作为示例，所述账户可包括但不限于电子钱包、银行卡、网商银行、理财产品、信用卡等等。数字资源传输系统300可接收来自商家20的交易系统200的扣费指令并从用户10的账户中扣取目标费用。所述目标费用是指用户10享受乘坐地铁服务的费用。
在一些实施例中，数字资源传输系统300可向商家20出具关于用户10享受所述目标服务的信用报告。所述信用报告可包括用户10的综合信用数据。所述信用报告可为用户10在所述信用报告生成后的一段时间内的交易行为进行担保。比如，在用户10同商家20进行目标交易签约之前，第三方支付公司30可接收来自商家20的获取用户10信用报告的请求，并将查询的用户10的信用报告返回给所述商家20。商家20可根据所述信用报告决定是否接受用户10在接下来的一段时间内的交易请求。
数字资源传输系统300可向风险评估系统500发送咨询请求，以获得关于用户10的综合信用数据。作为示例，所述综合信用数据可包括违约风险值以及信用值。所述违约风险值可是在所述用户10享受完所述目标服务后商家20追不回目标服务费的风险。所述信用值可评价所述用户10的信用等级。所述信用值还可用于评价所述用户10是否有资格开通目标账户。作为示例，所述目标账户可包括有透支功能的信用账户。
风险评估系统500可包括至少一个子风险评估模块。所述至少一个子风险评估模块可分别用于评估采用一个或者多个子账户支付所述服务费用的子风险。评估风险评估系统500可分别向所述至少一个子风险评估模块发送子评估请求，以获得所述用户采用不同的子账户进行支付的风险。在一些实施例中，所述至少一个子风险模块中的一个或者多个可耦合在所述数字资源传输系统300内。
风险评估系统500可将当前用户10的账户行为、信用历史、交易行为、资产状况等作为判断依据，运用逻辑回归、机器学习、迁移学习等机器算法识别当前查询的用户10的欠费可能性。若欠费可能性高于阈值则确定当前用户为中高风险用户；若欠费可能性低于所述阈值则确定当前用户为低风险用户。
商家20可向用户10提供商品或者服务。在一些实施例中，商家20可通过目标设备40以及安装在用户10的终端设备100内的目标应用50向用户10提供服务。例如，商家20可是为用户10提供地铁乘车服务的M市地铁公司，目标应用50可是商家20的地铁乘车app，目标设备40可是M市地铁公司的进/出站闸机以及地铁，商家20可通过所述地铁乘车app、所述进/出站闸机以及地铁向用户10提供地铁乘车服务。例如，商家20可通过打开进站闸机的闸门或者打开出站闸机的闸门来为用户10提供提的乘车服务。
商家20可通过业务处理系统200来对用户10的业务请求进行处理。作为示例，图3示出了根据本申请实施例提供的一种业务处理系统200和/终端设备100的硬件结构示意图。为了便于理解，以下介绍将以业务处理系统200为例对所述硬件结构进行介绍。
业务处理系统200包括至少一个存储器230和至少一个处理器220。在一些实施例中，业务处理系统200还可包括通信端口250和内部通信总线210。同时，业务处理系统200还可包括I/O组件260。
内部通信总线210可连接不同的系统组件，包括存储器230和处理器220。
I/O组件260支持业务处理系统200和其他组件之间的输入/输出。
存储器230可包括数据存储装置。所述数据存储装置可是非暂时性存储介质，也可是暂时性存储介质。比如，所述数据存储装置可包括磁盘232、只读存储器(ROM)234 或随机存取存储器(RAM)236中的一种或多种。存储器230还包括存储在所述数据存储装置中的至少一个指令集。所述指令集是计算机程序代码，所述计算机程序代码可包括执行本申请提供的数字资源传输的方法的程序、例程、对象、组件、数据结构、过程、模块等等。
通信端口250用于业务处理系统200同外界的数据通讯。比如，业务处理系统200可通过通信端口250连接网络130，进而接收来自于用户10的终端设备100和/或来自于数字资源传输系统300发送的请求。
至少一个处理器220同至少一个存储器230通过内部通信总线210进行通讯。至少一个处理器220用以执行上述至少一个指令集，当至少一个处理器220执行上述至少一个指令集时，业务处理系统200实施本申请提供的数字资源传输的方法。处理器220可执行数字资源传输方法包含的部分步骤。处理器220可是一个或多个处理器的形式，在一些实施例中，处理器220可包括一个或多个硬件处理器，例如微控制器，微处理器，精简指令集计算机(RISC)，专用集成电路(ASIC)，特定于应用的指令集处理器(ASIP)，中央处理单元(CPU)，图形处理单元(GPU)，物理处理单元(PPU)，微控制器单元，数字信号处理器(DSP)，现场可编程门阵列(FPGA)，高级RISC机器(ARM)，可编程逻辑器件(PLD)，能够执行一个或多个功能的任何电路或处理器等，或其任何组合。仅仅为了说明问题，在本申请中业务处理系统200中仅描述了一个处理器220。然而，应当注意，本申请中业务处理系统200还可包括多个处理器，因此，本申请中披露的操作和/或方法步骤可如本申请所述的由一个处理器执行，也可由多个处理器联合执行。例如，如果在本申请中业务处理系统200的处理器220执行步骤A和步骤B，则应该理解，步骤A和步骤B也可由两个不同处理器220联合或分开执行(例如，第一处理器执行步骤A，第二处理器执行步骤B，或者第一和第二处理器共同执行步骤A和B)。
业务处理系统200可接收来自终端设备100的请求，并对所述请求进行处理。比如，当用户10通过目标页面60申请签约代扣时，业务处理系统200可对所述签约请求进行处理，并将处理结果返回用户10。又比如，当用户10出地铁闸机后，业务处理系统200可获取用户去的乘车费用并向数字资源传输系统300请求收取用户10乘坐地铁的费用。
业务处理系统200还可根据用户10的综合数据制定针对用户10的支付策略。业务处理系统200制定支付策略的过程可是在签约业务处理过程中，也可是在二维码请求业务处理过程中。比如，当用户10签约代扣时，业务处理系统200可对用户10的综合信用数据进行查询，并根据查询结果向用户10推送不同的数字资源传输渠道。比如，当用户10请求进站二维码时，业务处理系统200可对用户10的账户余额和/或信用进行查询，并根据查询结果向用户10推送不同的数字资源传输渠道。
图1所示的流程S100的部分步骤描述了业务处理系统200制定支付策略的过程。为了便于描述，以签约业务为例来描述流程S100中各步骤的特征。
S110，终端设备100接收用户10的第一页面请求触发操作。
S120，终端设备100向业务处理系统200发送第一页面请求。所述第一页面请求包括用户10的身份信息。
用户10可通过终端设备100上的目标页面60发起签署代扣协议的签约流程。作为示例，用户10可通过由终端设备100的屏幕展示出的注册/设置页面触发流程S100。
当流程S100被触发，终端设备100需要向用户10展示第一页面以对用户10的触发操作进行回应。因此，终端设备100可向业务处理系统200发送第一页面请求，以请求接收第一页面的数据。其中，所述第一页面请求包括用户10的身份信息。作为示例，所示用户10的身份信息可是用户10在业务处理系统200注册的账号。
S130，业务处理系统200获取终端设备100针对数字资源提交的执行传输协议的请求。所述请求包括用户10的身份信息。
所述传输协议可是签约代扣的代扣协议。以地铁乘车为例，所述代扣协议可包括用户使用乘车码进行乘车以及支付乘车费用的流程。作为示例，所述流程可包括：用户在乘坐地铁时，展示手机乘车码，经闸机扫码设备读取验证后进出站，出站后第三方支付平台从用户的账户扣取相应的乘车费用支付给地铁商家，从而完成地铁乘车费用支付。
通过所述代扣协议，用户会授权：地铁商家代用户向数字资源传输系统发送扣款指令；数字资源传输系统可根据地铁商家发出的扣款指令，在不验证用户的账户密码、支付密码和/或短信验证码等信息的情况下直接从用户的账户中扣划相应金额至地铁商家(即免密支付)。
所述代扣协议还可包括以下内容：服务提供方有权获取用户的信用记录或交易记录，决定是否受理用户的服务申请，并且可根据注册信息等相关要素对用户从事交易的权限和身份进行核实。所述协议还可包括：服务提供方有权向信用平台(比如，第三方征信平台)查询用户的信用状况，并且依据用户的信用情况决定是否为用户继续体用服务。所述协议还可包括：用户将用户的身份信息授权提供给地铁公司、第三方支付公司以及第三方征信公司等关联公司。所述身份信息可包括，但不限于，姓名、身份证、手机号。
S140，业务处理系统200获取所述目标用户的综合信用数据。
作为示例，所述综合信用数据可包括用户10的违约风险值和信用值。
作为示例，所述信用值可用于判断用户10是否有权限开通第一目标账号11。
所述第一目标账号11中所述数字资源的数目最低限额为预设的负数。例如，第一目标账号11可包括由数字资源传输系统300开设的带有透支功能的信用账户。
所述数字资源传输系统300可将所述目标终端100在所述第一目标账号11中的信用数据同第三方征信系统分享。
作为示例，所述违约风险值可用于表示用户10采用第二目标账号12为目标服务付费的违约风险。
第二目标账号12中所述数字资源的数目最低限额可是预设的非负数。例如，第二目标账号12可是用户10在数字资源传输系统300开设的不具有透支功能的借记账号。
第二目标账号12可同第三方数字资源传输渠道相关联。例如，第二目标账号12可是用户10授权数字资源传输系统300具有部分管理功能的第三方数字资源传输渠道的账号。作为示例，所述第三方数字资源传输渠道可是B市银行系统，所述第二目标账号 12可是用户10在B市银行系统开设的借记卡账号或者信用卡账号。用户10可将所述借记卡账号或者信用卡账号同用户10在资源传输系统300的账号绑定。
业务处理系统200可向数字资源传输系统300发送请求以获取用户10的综合信用数据。
数字资源传输系统300在接收到来自于业务处理系统200的请求后，可向风险评估系统500发送请求以获取用户10的综合信用数据。
数字资源传输系统300可分别向风险评估系统500的子风险评估模块发送子风险评估请求。所述子风险评估请求可用于评估用户10采用一个或者多个子账户支付所述目标交易的费用的子风险。
数字资源传输系统300可向子风险评估模块510请求获取用户10的风险值。
作为示例，数字资源传输系统300可向子风险评估模块520请求获取用户10的违约风险值。
风险评估系统500将用户10的综合信用数据发送给数字资源传输系统300。在一些实施例中，风险评估系统500可将所述综合信用数据封装在一个或者多个响应包发送给数字资源传输系统300。
数字资源传输系统300将所述综合信用数据发送给业务处理系统200。
这样，业务处理系统200便获取了用户10的综合信用数据。
所述综合信用数据中包括用户10的违约风险值和信用值。比如，以数字资源传输系统300是第三方支付系统为例，当接收到来自地铁商家的咨询请求后，第三方支付系统可向子安全模块520咨询用户是否可签约采用第二目标账号12进行代扣。第二安全模块通过内部模型策略查询，返回用户的风险等级，并将所述查询结果输出给地铁商家。在获得用户的信息后，第三方支付系统同时还可同步向子安全模块510发出咨询请求“当前的用户是否已开通第一目标账号11以及是否可开通第一目标账号11？”。在拿到子安全模块510返回的结果后，第三方支付系统输出“当前的用户是否已经开通第一目标账号11以及是否可开通第一目标账号11”给地铁商家。
所述违约风险值可包括用户10采用第二目标账号12支付所述目标交易的风险值。比如，所述用户10是否能够签约采用第二目标账号12代扣和/或所述用户10使用第二目标账号12代扣的风险等级。所述风险等级可包括低风险、中风险以及高风险。在一些实施例中，“所述付款方对所述目标交易的违约风险”同“所述收款方向所述目标交易的付款方提供目标收款服务的风险”可被认为是一致的。
S150，业务处理系统200基于所述综合信用数据，从至少一个数字资源传输渠道中确定目标渠道。
获得所述综合信用数据之后，业务处理系统200可根据所述综合信用数据制定针对用户10的支付策略。业务处理系统200可从至少一个数字资源传输渠道中确定目标渠道，作为针对用户10的支付策略。
在一些实施例中，所述至少一个数字资源传输渠道包括第一数字资源传输渠道 和第二数字资源传输渠道中的一个或多个。
在一些实施例中，所述第一数字资源传输渠道被配置为数字资源传输系统300基于第一授权数据将数字资源从所述目标终端100在所述数字资源传输系统300的第一目标账号11传输到业务处理系统200的目的账号21的路径。
所述第一授权数据可作为数字资源传输系统300从用户10的第一目标账号11中提取出数字资源的令牌。
作为示例，所述第一授权数据可包括用户10授权的验证信息，所述验证信息可包括，但不限于，密码信息，指纹信息，声音信息，面部信息，等等。
在一些实施例中，用户10在签约流程中将所述第一授权数据授权给业务处理系统200和数字资源传输系统300。比如，在签约代扣的过程中，用户10通过显示在界面60上的密码框输入密码，将所述密码授权给业务处理系统200和数字资源传输系统300。
在一些实施例中，用户10在请求进行交易的过程中将所述第一授权数据授权给业务处理系统200和数字资源传输系统300。比如，乘车前，用户10扫码支付，用户10输入密码并将所述密码授权给数字资源传输系统300。
在一些实施例中，所述第二数字资源传输渠道被配置为数字资源传输系统300基于第二授权数据将数字资源从所述目标终端100在所述数字资源传输系统300的第二目标账号12传输到业务处理系统200的目的账号21的路径。
所述第二授权数据可作为数字资源传输系统300从用户10的第二目标账号12中提取出数字资源的令牌。
所述第二授权数据的特征以及获取方式等可同所述第一授权数据相同或者相似。为了简洁，这里不再赘述。
业务处理系统200可根据用户10的综合信用数据来确定针对用户10的支付策略。业务处理系统200可从第一数字资源传输渠道和第二数字资源传输渠道中确定出目标渠道，作为对用户10的支付策略。
在一些实施例中，所述支付策略可包括第一支付策略：业务处理系统200判断所述信用值高于信用阈值且所述违约风险值高于违约阈值，或者所述违约风险值低于所述违约阈值；业务处理系统200确定所述目标渠道包括所述第一数字资源传输渠道。
根据前面描述，所述信用值可用于判断用户10是否有权限开通第一目标账号11。所述违约风险值可用于表示用户10采用第二目标账号12为目标服务付费的违约风险。
业务处理系统200判断用户使用第二目标账户12进行支付的风险等级为中高风险，并且所述用户可开通第一目标账号11时；业务处理系统200将用户10的第一目标账号11设置为用户10乘坐地铁的支付账户——也就是未来用户10乘车结束业务处理系统200向数字资源传输系统300申请扣费的目标账户。业务处理系统200确定能够进行信用支付的第一数字资源传输渠道为目标支付渠道。这样，在未来目标用户10提出目标交易请求时，若目标用户10为中高风险用户，就可将该目标用户10引导至能够进行信用支付的第一数字资源传输渠道的通道，提高了拦截准确率，降低了用户打扰，提 高了用户体验，避免了用户流失。
在一些实施例中，所述支付策略可包括第二支付策略：业务处理系统200判断所述信用值低于信用阈值，并且所述违约风险值高于违约阈值；业务处理系统200确定所述目标渠道为所述第二数字资源传输渠道。
根据前面描述，所述信用值可用于判断用户10是否有权限开通第一目标账号11。所述违约风险值可用于表示用户10采用第二目标账号12为目标服务付费的违约风险。
业务处理系统200判断用户使用第二目标账户12进行支付的风险等级为中高风险，并且所述用户不能开通第一目标账号11时；业务处理系统200确定第二数字资源传输渠道为目标支付渠道。业务处理系统200可通知所述用户10通过第二数字资源传输渠道进行线下购票。在一些实施例中，在提醒用户的消息中还可包括运营信息。作为示例，所述运营信息可是：如果用户选择第二数字资源传输渠道线下扫码购买乘车票，会向用户发放一定数额的红包(比如一毛)。
在一些实施例中，所述支付策略包括第三支付策略：根据前面的描述，所述信用值可用于判断用户10是否有权限开通第一目标账号11。所述违约风险值可用于表示用户10采用第二目标账号12为目标服务付费的违约风险。
业务处理系统200判断所述违约风险值低于违约阈值；业务处理系统200确定所述目标渠道包括所述第二数字资源传输渠道。
当所述违约风险值低于所述违约阈值时，业务处理系统200将所述第一目标账户11作为用户10进行所述目标交易的支付账户，并确定第二数字资源传输渠道为所述目标渠道。
当然，当所述违约风险值低于所述违约阈值时，所述目标渠道也可包括所述第一数字资源传输渠道。
综上，业务处理系统200获得了来自数字资源传输系统300的关于所述目标用户的综合信用数据，并根据所述综合信用数据制定了关于所述目标用户10的支付策略，确定了目标支付渠道。
S160，业务处理系统200向终端设备100发送指令信号，所述指令信号指示终端设备在其显示设备上显示第一页面。
制定好支付策略后，业务处理系统200可向终端设备100发送指令信号，以指示终端设备100加载第一页面。不同的支付策略对应不同的第一页面。所述第一页面的内容同用户10的综合信用数据相关。
S170，终端设备100获取第一页面的数据。
S180，终端设备100根据所述第一页面的数据加载所述第一页面。
所述第一页面包括至少一个目标图标，其中触发所述目标图标激活开通目标渠道的流程。
作为示例，图4A示出了根据本申请实施例提供的一种第一页面610的示意图。 当业务处理系统200确定针对用户10的支付策略是第一支付策略时，业务处理系统200可指示终端设备100加载第一页面610。
用户10触发第一图标611，激活开通第一数字资源传输渠道的流程。
终端设备200还可加载密码框页面，以请求用户10输入支付密码。所述支付密码可作为第一授权数据。当用户10通过所述密码框页面输入了密码，终端设备100将所述第一授权数据发送给业务处理系统200和/或数字资源传输系统300。
对应于业务处理系统200，业务处理系统200响应于触发所述第一图标611的信号和所述第一数字资源传输渠道的开通，从所述目标终端设备100获取第一授权数据。
这样，业务处理系统200设定了能够进行信用支付的第一数字资源传输渠道为目标支付渠道，并获得了采用第一数字资源渠道进行支付的第一授权数据。这样，在未来目标用户10提出目标交易请求时，若目标用户10为中高风险用户，就可将该目标用户10引导至能够进行信用支付的第一数字资源传输渠道的通道，提高了拦截准确率，降低了用户打扰，提高了用户体验，避免了用户流失。
作为示例，图4B示出了根据本申请实施例提供的一种对用户提出交易请求的处理流程S610。
S611，终端设备100生成对目标操作的执行请求。
S612，业务处理系统200获取所述目标终端提交的对目标操作的执行请求。
所述目标操作的执行请求可包括所述目标终端的识别信息。所述终端设备100的识别信息可是用户10在业务处理系统200注册的用于标识用户10的身份的账号信息。
作为示例，所述目标操作的执行请求可是打开进站闸机的请求。作为示例，终端设备100生成的所述执行请求可是进站乘车码的形式。
业务处理系统200识别到终端设备100的进站乘车码，进而获取终端设备100提交的打开进站闸机的请求。
S613，业务处理系统200执行目标操作。
识别到进站乘车码之后，业务处理系统200执行打开进站闸机的操作。
S614，终端设备100生成对所述目标操作的结束指令。
作为示例，终端设备100生成的所述目标操作的结束指令可是出站码的形式。所述目标操作的结束指令包括所述终端设备100的识别信息。所述终端设备100的识别信息可是用户10在业务处理系统200注册的用于标识用户10的身份的账号信息。所述目标操作的结束指令(比如出站码)可指示业务处理系统200向数字资源传输系统300发送所述目标操作对应的所述数字资源的收取数目以及所述第一授权数据。例如，出站码可指示业务处理系统200向数字资源传输系统300发送进站闸机和出站闸机之间的乘车费用和采用第一数字资源传输渠道进行支付第一授权数据。
S615，业务处理系统200获取所述目标终端提交的对目标操作的结束请求。
业务处理系统200识别到终端设备100的出站乘车码，进而获取终端设备100 提交的打开出站闸机的请求。
S616，业务处理系统200获取所述目标操作对应的所述数字资源的收取数目。
业务处理系统200可根据进/出站闸机的刷码记录获得用户10乘车的费用。
S617，业务处理系统200向数字资源传输系统300发送所述收取数目以及所述第一授权信息，指示所述数字资源传输系统300直接将所述收取数目的所述数字资源通过第一数字资源传输渠道从所述第一目标账号11传输到所述目的账号21。
业务处理系统200识别到用户10的出站码。业务处理系统200获得用户10的乘车费用，业务处理系统200根据所述乘车费用生成订单并向数字资源传输系统300下单。数字资源传输系统300根据所述乘车费用和第一授权数据，通过第一数字资源传输渠道将所述费用从用户10的第一目标账户11中转移至商家20的目的账户21中。
图5A示出了根据本申请实施例提供的一种第一页面620的示意图。当业务处理系统200确定针对用户10的支付策略是第二支付策略时，业务处理系统200可指示终端设备100加载第一页面620。用户10可触发第二图标621，激活开通第二数字资源传输渠道的流程。
图4B示出了根据本申请实施例提供的对用户提出交易请求的处理流程S620。
S621，终端设备100向数字资源传输系统300提交对所述数字资源的传输请求。
数字资源传输系统300从终端设备100获取对所述数字资源提交的传输请求。所述传输请求可是用户10通过终端设备100向数字资源传输系统300下的支付订单。所述传输请求可包括：同执行目标操作对应的数字资源的收取数目，以及第二授权信息。作为示例，所述目标操作可是发放乘车币。
当用户10选择确认采用第二数字资源传输渠道进行线下支付时，终端设备100的页面可跳转至采用第二数字资源传输渠道进行扫码支付的页面。所述页面上可包括支付数额。用户扫码支付，输入支付密码。所述支付密码可作为第二授权数据。用户10输入密码后，终端设备100向数字资源传输系统300下单。
数字资源传输系统300将所述收取数目的所述数字资源通过所述目标渠道从所述第二目标账号12传输到所述目的账号21。在接收到终端设备100的支付订单后，数字资源传输系统300根据所述第二授权数据通过第二数字资源传输渠道从用户10的第二目标账户12中提取出乘车费用并转移给商家20的账户21。
S622，业务处理系统200收到数字资源传输系统300发出的将所述收取数目的所述数字资源通过所述目标渠道从所述第二目标账号传输到目的账号的确认信号。
S623，业务处理系统200执行所述目标操作。
支付成功后，数字资源传输系统300向业务处理系统200发送消息，通知支付成功。业务处理系统200接收到支付成功的消息，执行发放乘车币的操作。
图4C示出了根据本申请实施例提供的第一页面630的示意图。当业务处理系统200确定针对用户10的支付策略是第三支付策略时，业务处理系统200可指示终端设备 100加载第一页面630。用户10可触发第三图标631，激活开通第二数字资源传输渠道的流程。
终端设备200还可加载密码框页面，以请求用户10输入支付密码。所述支付密码可作为第二授权数据。当用户10通过所述密码框页面输入了密码，终端设备100将所述第二授权数据发送给业务处理系统200。对应于业务处理系统200，业务处理系统200响应于触发所述第三图标631的信号和所述第二数字资源传输渠道的开通，从所述目标终端设备100获取第二授权数据。
图6B示出了根据本申请实施例提供的对用户提出交易请求的处理流程S630。
S631，终端设备100生成对目标操作的执行请求。
S632，业务处理系统200获取终端设备100提交的对目标操作的执行请求。
所述目标操作的执行请求包括所述目标终端的识别信息。所述终端设备100的识别信息可是用户10在业务处理系统200注册的用于标识用户10的身份的账号信息。
作为示例，所述目标操作的执行请求可是打开进站闸机的请求。作为示例，终端设备100生成的所述执行请求可是进站乘车码的形式。
业务处理系统200识别到终端设备100的进站乘车码，进而获取终端设备100提交的打开进站闸机的请求。
S633，业务处理系统200执行目标操作。
识别到进站乘车码之后，业务处理系统200执行打开进站闸机的操作。
S634，终端设备100生成对所述目标操作的结束指令。
作为示例，终端设备100生成的所述目标操作的结束指令可是出站码的形式。
所述目标操作的结束指令包括所述终端设备100的识别信息。所述终端设备100的识别信息可是用户10在业务处理系统200注册的用于标识用户10的身份的账号信息。
所述目标操作的结束指令(比如出站码)可指示业务处理系统200向数字资源传输系统300发送所述目标操作对应的所述数字资源的收取数目以及所述第二授权数据。例如，出站码可指示业务处理系统200向数字资源传输系统300发送进站闸机和出站闸机之间的乘车费用和第二授权数据。
S635，业务处理系统200获取所述目标终端提交的对目标操作的结束请求。
业务处理系统200识别到终端设备100的出站乘车码，进而获取终端设备100提交的打开出站闸机的请求。
S636，业务处理系统200获取所述目标操作对应的所述数字资源的收取数目。
业务处理系统200可根据进/出站闸机的刷码记录获得用户10乘车的费用。
S637，业务处理系统200向数字资源传输系统300发送所述收取数目以及所述第二授权信息，指示数字资源传输系统300直接将所述收取数目的所述数字资源通过第二数字资源传输渠道从所述第二目标账号12传输到所述目的账号21。
业务处理系统200识别到用户10的出站码。业务处理系统200获得用户10的乘车费用，业务处理系统200根据所述乘车费用生成订单并向数字资源传输系统300下单。数字资源传输系统300根据所述乘车费用和第二授权数据，通过第二数字资源传输渠道将所述费用从用户10的第二目标账户12中转移至商家20的目的账户21中。
需要说明的是，终端设备100加载第一页面610，如果用户10拒绝选择使用第一数字资源传输渠道进行支付，终端设备100可跳转至第一页面620，以提示用户10采用第二数字资源传输渠道进行线下扫码支付。
需要说明的是，由于用户的综合信用数据不是固定不变的，因此，业务处理系统200向数字资源传输系统300发起的关于用户进行目标交易的风险的咨询请求可是在用户注册签约阶段也可是在用户提交一次或者多次服务请求之前。
为了便于描述，本申请以签约业务为例描述了本申请所述的数字资源传输的方法的部分步骤，本领域技术人员容易理解，数字资源传输的方法中的部分步骤也可应用在其他业务中而不背离本申请中所述发明的核心精神。例如，图1所示数字资源传输方法S100也可应用在请求乘车码的业务流程中而不背离本申请所述发明的核心精神。
综上，本申请提供的数字资源传输方法，在识别到用户可能无法付款的情况下，唤起用户的具有征信功能的第一数字资源传输渠道，针对不同等级的用户，强制或引导用户使用第一数字资源传输渠道进行支付，而在用户选择不使用第一数字资源传输渠道的时候，引导用户采用第二数字资源传输渠道进行线下扫码买票，期间给用户1毛左右的红包补贴，确保无法走第二数字资源传输渠道进行线上代扣的用户，可继续走第二数字资源传输渠道线下扫码购票乘车。
首先，本申请所述数字资源传输方法，利用第一数字资源传输渠道等计入征信并且有特定追款方式和渠道的信用支付渠道作为备选支付渠道，解决了用户忘记付款或者故意不还款而产生坏账的问题。
其次，在被确定为是中高风险用户后，用户不是直接被拦截不允许乘车，而是由多种方案供用户选择。比如，用户可选择使用第一数字支付渠道继续先享后付乘车，或者被引导至线下采用第二数字资源传输渠道扫码购票，这样极大提高了用户体验。
再次，在确定用户是中高风险用户后，向用户提供第一数字支付渠道付款的方式继续先享后付乘车或者利用小额红包的方式将中高风险的用户引导至线下第二数字资源传输渠道扫码购票，避免了用户流失到竞对支付渠道。
本申请所述数字资源传输方法解决了先享后付场景里用户被直接阻断进程的问题。本申请所述数字资源传输方法能降低损失又保障拉新和留存。本申请所述数字资源传输方法打通了商家的业务处理系统、数字资源传输系统、风险评估系统等多个系统。
综上，本申请所述业务处理系统可根据用户的综合信用数据制定支付策略，当业务处理系统确认当前用户的风险为中高风险但是当前用户可开通信用支付时，业务处理系统通过向终端设备发送不同的指令信号，指示终端设备展示不同的页面，进而将所述用户引导至信用支付的第一数字资源传输通道或者线下采用第二数字资源传输渠道扫码支付的通道，提高了商家对中高风险用户的拦截准确率，降低了对用户的干扰率， 减少了用户的流失，提高了用户体验。
综上所述，在阅读本详细公开内容之后，本领域技术人员可明白，前述详细公开内容可仅以示例的方式呈现，并且可不是限制性的。尽管这里没有明确说明，本领域技术人员可理解本申请意图囊括对实施例的各种合理改变，改进和修改。这些改变，改进和修改旨在由本申请提出，并且在本申请的示例性实施例的精神和范围内。
此外，本申请中的某些术语已被用于描述本申请的实施例。例如，“一个实施例”，“实施例”和/或“一些实施例”意味着结合该实施例描述的特定特征，结构或特性可包括在本申请的至少一个实施例中。因此，可强调并且应当理解，在本说明书的各个部分中对“实施例”或“一个实施例”或“替代实施例”的两个或更多个引用不一定都指代相同的实施例。此外，特定特征，结构或特性可在本申请的一个或多个实施例中适当地组合。
在本申请的实施例的前述描述中，为了帮助理解一个特征，出于简化本申请的目的，本申请有时将各种特征组合在单个实施例、附图或其描述中。或者，本申请又是将各种特征分散在多个本申请的实施例中。然而，这并不是说这些特征的组合是必须的，本领域技术人员在阅读本申请的时候完全有可能将其中一部分特征提取出来作为单独的实施例来理解。也就是说，本申请中的实施例也可理解为多个次级实施例的整合。而每个次级实施例的内容在于少于单个前述公开实施例的所有特征的时候也是成立的。
在一些实施方案中，表达用于描述和要求保护本申请的某些实施方案的数量或性质的数字应理解为在某些情况下通过术语“约”，“近似”或“基本上”修饰。例如，除非另有说明，否则“约”，“近似”或“基本上”可表示其描述的值的±20％变化。因此，在一些实施方案中，书面描述和所附权利要求书中列出的数值参数是近似值，其可根据特定实施方案试图获得的所需性质而变化。在一些实施方案中，数值参数应根据报告的有效数字的数量并通过应用普通的舍入技术来解释。尽管阐述本申请的一些实施方案列出了广泛范围的数值范围和参数是近似值，但具体实施例中都列出了尽可能精确的数值。
本文引用的每个专利，专利申请，专利申请的出版物和其他材料，例如文章，书籍，说明书，出版物，文件，物品等，可通过引用结合于此。用于所有目的的全部内容，除了与其相关的任何起诉文件历史，可能与本文件不一致或相冲突的任何相同的，或者任何可能对权利要求的最宽范围具有限制性影响的任何相同的起诉文件历史。现在或以后与本文件相关联。举例来说，如果在与任何所包含的材料相关联的术语的描述、定义和/或使用与本文档相关的术语、描述、定义和/或之间存在任何不一致或冲突时，使用本文件中的术语为准。
最后，应理解，本文公开的申请的实施方案是对本申请的实施方案的原理的说明。其他修改后的实施例也在本申请的范围内。因此，本申请披露的实施例仅仅作为示例而非限制。本领域技术人员可根据本申请中的实施例采取替代配置来实现本申请中的申请。因此，本申请的实施例不限于申请中被精确地描述过的那些实施例。

Claims (23)

  1. 一种基于信用数据进行数字源传输的方法，包括，通过至少一个处理器：
    获取目标终端针对数字资源提交的执行传输协议的请求，所述请求包括目标用户的身份信息；
    获取所述目标用户的综合信用数据；
    基于所述综合信用数据，从至少一个数字资源传输渠道中确定目标渠道；以及
    向所述目标终端发送指令信号，所述指令信号指示所述目标终端在其显示设备上显示第一页面，所述第一页面包括目标图标，其中触发所述目标图标激活开通所述目标渠道的流程。
  2. 如权利要求1所述的方法，其中所述至少一个数字资源传输渠道包括第一数字资源传输渠道和第二数字资源传输渠道中的一个或多个。
  3. 如权利要求2所述的方法，其中所述第一数字资源传输渠道被配置为数字资源传输系统基于第一授权数据将数字资源从所述目标终端在所述数字资源传输系统的第一目标账号传输到所述至少一个处理器的目的账号的路径，其中
    所述第一目标账号中所述数字资源的数目最低限额为预设的负数，以及
    所述数字资源传输系统将所述目标终端在所述第一目标账号中的信用数据同第三方征信系统分享。
  4. 如权利要求3所述的方法，其中所述综合信用数据包括违约风险值以及信用值，所述方法还包括：
    判断所述信用值高于信用阈值且所述违约风险值高于违约阈值，或者所述违约风险值低于所述违约阈值；
    确定所述目标渠道包括所述第一数字资源传输渠道；以及
    响应于触发所述目标图标的信号和所述目标渠道的开通，从所述目标终端获取第一授权数据。
  5. 如权利要求4所述的方法，还包括，通过所述至少一个处理器：
    获取所述目标终端提交的对目标操作的执行请求；
    执行目标操作；
    获取所述目标终端提交的对目标操作的结束请求；
    获取所述目标操作对应的所述数字资源的收取数目；以及
    向所述数字资源传输系统发送所述收取数目以及所述第一授权信息，指示所述数字资源传输系统直接将所述收取数目的所述数字资源通过所述目标渠道从所述第一目标账号传输到所述目的账号。
  6. 如权利要求2所述的方法，其中所述第二数字资源传输渠道被配置为数字资源传输系统基于第二授权信息将数字资源从所述目标终端在所述数字资源传输系统的第二目标账号传输到所述至少一个处理器的目的账号的路径，其中
    所述第二目标账号包括下述至少一个设置：
    所述第二目标账号中所述数字资源的数目最低限额为预设的非负数，以及
    所述第二目标账号同第三方数字资源传输渠道相关联。
  7. 如权利要求6所述的方法，其中所述综合信用数据包括违约风险值，所述方法还包括：
    判断所述违约风险值低于违约阈值；
    确定所述目标渠道包括所述第二数字资源传输渠道；以及
    响应于触发所述目标图标的信号和所述目标渠道的开通，从所述目标终端获取第二授权信息。
  8. 如权利要求7所述的方法，还包括，通过所述至少一个处理器：
    获取所述目标终端提交的对目标操作的执行请求；
    执行目标操作；
    获取所述目标终端提交的对目标操作的结束请求；
    获取所述目标操作对应的所述数字资源的收取数目；以及
    向所述数字资源传输系统发送所述收取数目以及所述第二授权信息，指示所述数字资源传输系统直接将所述收取数目的所述数字资源通过所述目标渠道从所述第二目标账号传输到所述目的账号。
  9. 如权利要求6所述的方法，其中所述综合信用数据包括违约风险值和信用值，所述方法还包括：
    判断所述信用值低于信用阈值；
    判断所述违约风险值高于违约阈值；以及
    确定所述目标渠道为所述第二数字资源传输渠道。
  10. 如权利要求9所述的方法，还包括，通过所述至少一个处理器：
    收到所述数字资源传输系统发出的将目标收取数目的数字资源通过所述目标渠道从所述第二目标账号传输到目的账号的确认信号；以及
    执行目标操作。
  11. 一种业务处理系统，包括：
    至少一个存储器，包括至少一个指令集；以及
    至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器执行所述至少一个指令集时，所述至少一个处理器执行如权利要求1至10中任一权利要求所述的方法。
  12. 一种基于信用数据进行数字资源传输的方法，包括，通过终端设备的至少一个处理器：
    接收目标用户的第一页面请求触发操作；
    向目标业务处理系统发送第一页面请求，所述第一页面请求包括目标用户的身份信息；
    获取第一页面的数据，其中，所述第一页面的数据同所述目标用户的综合信用数据相关；以及
    根据所述第一页面的数据加载所述第一页面，其中，所述第一页面包括至少一个目标图标，其中
    触发所述目标图标激活开通目标渠道的流程，所述目标渠道包括第一数字资源传输渠道和第二数字资源传输渠道中的至少一个，以及
    所述第一数字资源传输渠道和所述第二数字传输渠道对应不同的综合信用数据。
  13. 如权利要求12所述的方法，其中所述第一数字资源传输渠道被配置为数字资源传输系统基于第一授权数据将数字资源从所述终端设备在所述数字资源传输系统的第 一目标账号传输到所述目标业务处理系统的目的账号的路径，其中：
    所述第一目标账号中所述数字资源的数目最低限额为预设的负数，以及
    所述数字资源传输系统将所述终端设备在所述第一目标账号中的信用数据同第三方征信系统分享。
  14. 如权利要求13所述的方法，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值高于违约阈值并且所述信用值高于信用阈值，或者所述违约风险值低于所述违约阈值；以及所述至少一个目标图标包括：
    第一图标，其中触发所述第一图标激活开通所述第一数字资源传输渠道的流程。
  15. 如权利要求14所述的方法，还包括：
    接收来自所述目标用户对所述第一图标的触发操作；以及
    获取第一授权信息并发送给所述业务处理系统。
  16. 如权利要求15所述的方法，还包括：
    生成对目标操作的执行请求，所述目标操作的执行请求包括所述目标终端的识别信息；以及
    生成对所述目标操作的结束指令，其中
    所述目标操作的结束指令包括所述目标终端的识别信息，以及
    所述目标操作的结束指令指示所述目标业务处理系统向所述数字资源传输系统发送所述目标操作对应的所述数字资源的收取数目以及所述第一授权信息。
  17. 如权利要求12所述的方法，其中所述第二数字资源传输渠道被配置为数字资源传输系统基于第二授权数据将数字资源从所述终端设备在所述数字资源传输系统的第二目标账号传输到所述目标业务处理系统的目的账号的路径，其中
    所述第二目标账号包括下述至少一个设置：
    所述第二目标账号中所述数字资源的数目最低限额为预设的非负数，以及
    所述第二目标账号同第三方数字资源传输渠道相关联。
  18. 如权利要求17所述的方法，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值高于违约阈值并且所述信用值低于信用阈值；以及所述至少一个目标图标包括：
    第二图标，其中所述第二图标指示所述目标用户通过所述第二数字资源传输渠道向所述目的账号转移目标数目的数字资源。
  19. 如权利要求18所述的方法，还包括：
    向所述数字资源传输系统提交对所述数字资源的传输请求，其中所述传输请求包括同执行目标操作对应的数字资源的收取数目及第二授权信息。
  20. 如权利要求17所述的方法，其中所述综合信用数据包括违约风险值以及信用值，所述违约风险值低于违约阈值；以及所述至少一个目标图标包括：
    第三图标，其中触发所述第三图标激活开通所述第二数字资源传输渠道的流程。
  21. 如权利要求20所述的方法，还包括：
    接收来自所述目标用户对所述第三图标的触发操作；以及
    获取第二授权信息并发送给所述业务处理系统。
  22. 如权利要求21所述的方法，还包括：
    生成对目标操作的执行请求，所述目标操作的执行请求包括所述目标终端的识别信 息；以及
    生成对所述目标操作的结束指令，其中
    所述目标操作的结束指令包括所述目标终端的识别信息，以及
    所述目标操作的结束指令指示所述目标业务处理系统向所述数字资源传输系统发送所述目标操作对应的所述数字资源的收取数目以及所述第一授权信息。
  23. 一种终端设备，包括：
    至少一个存储器，包括至少一个指令集；以及
    至少一个处理器，同所述至少一个存储器通讯连接，当所述至少一个处理器执行所述至少一个指令集时，所述至少一个处理器执行如权利要求12至22中任一权利要求所述的方法。
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