A business processing method and device

Abstract

This specification discloses a method and device for business processing. After the business platform receives a business request sent by a user, it can determine the business that the user needs to perform as the target business based on the business request, and determine the processing strategy corresponding to the target business as the target strategy based on the target business and the time period based on which the user sends the business request. The processing strategy includes: at least one of a first processing strategy and a second processing strategy. The first processing strategy is used to obtain the business share of the target business required by the user from a third party providing the target business after receiving the business request, and allocate it to the user. The second processing strategy is used to allocate the business share of the target business obtained in advance from the third party to the user. Then, the business platform can perform business processing on the target business according to the determined target strategy. This method can improve business processing efficiency to a certain extent.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and in particular to a method and device for business processing. Background Art

[0002] Currently, users can use the service platform to perform services provided by third parties that cooperate with the service platform. For example, the third party may be a bank that cooperates with the service platform, and users can purchase financial products provided by the bank through the service platform.

[0003] In existing technology, if too many users access services provided by third parties through a service platform, this can put significant pressure on the third-party's servers, which can also experience issues due to the third party's own faults. If a third-party server fails, the service platform may be unable to complete the requested service when users request it through the service platform. Summary of the Invention

[0004] This specification provides a service processing method and device for performing service processing for users.

[0005] This manual adopts the following technical solutions:

[0006] This specification provides a business processing method, including:

[0007] Receive business requests sent by users;

[0008] Determining, according to the service request, a service that the user needs to perform as a target service;

[0009] Determining, based on the target service and the time period in which the user sends the service request, a processing strategy corresponding to the target service as the target strategy, the processing strategy including: at least one of a first processing strategy and a second processing strategy, the first processing strategy being configured to, upon receiving the service request, obtain a service share of the target service required by the user from a third party providing the target service and allocate the share to the user, and the second processing strategy being configured to allocate the service share of the target service previously obtained from the third party to the user;

[0010] Perform business processing on the target business according to the target policy.

[0011] Optionally, according to the target service and the time period based on which the user sends the service request, a processing strategy corresponding to the target service is determined as the target strategy, specifically including:

[0012] If it is determined that the time period based on which the user sends the service request belongs to the normal time period of the current service cycle, determining that the target policy is the first processing policy;

[0013] If it is determined that the time period based on which the user sends the service request belongs to the abnormal time period of the current service cycle, the target policy is determined to be the second processing policy.

[0014] Optionally, dividing the normal time period and abnormal time period of the current business cycle specifically includes:

[0015] Obtain historical order records of historical business cycles;

[0016] Determine each abnormal historical order based on the historical order records;

[0017] According to the historical time periods of the historical business cycles in which the abnormal historical orders are located, the current business cycle is divided into normal time periods and abnormal time periods.

[0018] Optionally, before performing service processing on the target service according to the target policy, the method further includes:

[0019] executing at least one verification task for the target business, wherein the verification task is used to verify whether the third party is capable of completing the target business;

[0020] Performing business processing on the target business according to the target policy, specifically including:

[0021] If the target strategy belongs to the first processing strategy, and it is determined that the proportion of the specified task in the at least one verification task is not less than the set proportion, the target business is processed according to the target strategy, and the specified task is used to indicate the verification task of determining whether the third party can complete the target business.

[0022] Optionally, the method further includes:

[0023] If the target strategy belongs to the first processing strategy, and it is determined that the proportion of the specified task in the at least one verification task is less than the set proportion, other services are recommended to the user for execution based on the user's historical business records and / or the user's attribute information.

[0024] Optionally, performing business processing on the target business according to the target policy specifically includes:

[0025] If the target policy belongs to the second processing policy, and it is determined that there is a surplus of the business share corresponding to the target business obtained in advance from the third party, the target business is processed according to the second processing policy; otherwise, the target business is processed according to the first processing policy.

[0026] Optionally, according to the target service and the time period based on which the user sends the service request, a processing strategy corresponding to the target service is determined as the target strategy, specifically including:

[0027] If it is determined that the number of business requests received within the set time exceeds the set number corresponding to the third party, and the time period based on which the user sends the business request belongs to the specified time period, the target policy is determined to be the second processing policy, and the set number is the maximum number of requests that the third party can process within the set time.

[0028] Optionally, the business share of the target business obtained in advance from the third party specifically includes:

[0029] Predicting the number of business requests received within the specified time period based on historical order records;

[0030] Predicting the business share of the target business required by each user within the specified time period based on the number of requests and the set number corresponding to the third party;

[0031] Obtain the business share from the third party.

[0032] Optionally, the business share of the target business obtained in advance from the third party specifically includes:

[0033] Predicting the business share of the target business required by each user within the abnormal time period based on historical order records and the abnormal time period of the current business cycle;

[0034] Obtain the business share from the third party.

[0035] This specification provides a service processing device, including:

[0036] Receiving module, used to receive service requests sent by users;

[0037] A service determination module, configured to determine, based on the service request, a service that the user needs to perform as a target service;

[0038] a policy determination module, configured to determine, based on the target service and the time period in which the user sends the service request, a processing policy corresponding to the target service, the target policy including: at least one of a first processing policy and a second processing policy, the first processing policy being configured to, upon receiving the service request, obtain a service share of the target service required by the user from a third party providing the target service and allocate the share to the user, and the second processing policy being configured to allocate the service share of the target service previously obtained from the third party to the user;

[0039] A processing module is used to perform business processing on the target business according to the target policy.

[0040] This specification provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned business processing method is implemented.

[0041] This specification provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned business processing method when executing the program.

[0042] At least one of the above technical solutions adopted in this specification can achieve the following beneficial effects:

[0043] In the business processing method provided in this specification, after the business platform receives a business request sent by a user, it can determine the business that the user needs to perform based on the business request as the target business, and determine the processing strategy corresponding to the target business based on the target business and the time period based on which the user sends the business request, as the target strategy. The processing strategy includes: at least one of a first processing strategy and a second processing strategy. The first processing strategy is used to obtain the business share of the target business required by the user from a third party providing the target business after receiving the business request, and allocate it to the user. The second processing strategy is used to allocate the business share of the target business obtained in advance from the third party to the user. Then, the business platform can perform business processing on the target business according to the determined target strategy.

[0044] It can be seen from the above method that after receiving the business request sent by the user, the business platform does not necessarily need to execute the business required by the user through a third party. The business platform can also obtain the business share required by the user to execute the business from the third party in advance to process the business for the user. Compared with the existing technology in which the business platform can only execute the business through a third party, it can improve the business processing efficiency to a certain extent. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] The drawings described herein are used to provide a further understanding of this specification and constitute a part of this specification. The exemplary embodiments and descriptions of this specification are used to explain this specification and do not constitute an improper limitation of this specification. In the drawings:

[0046] Figure 1 A flowchart of a business processing method in this specification;

[0047] Figure 2 A schematic diagram of performing business processing on a target business according to a first processing strategy provided in this specification;

[0048] Figure 3 A schematic diagram of a second processing strategy is provided as a target strategy for this specification;

[0049] Figure 4 A schematic diagram of a business processing device provided in this specification;

[0050] Figure 5 The corresponding Figure 1 Schematic diagram of electronic equipment. DETAILED DESCRIPTION

[0051] To make the objectives, technical solutions, and advantages of this specification more clear, the following will clearly and completely describe the technical solutions of this specification in conjunction with the specific embodiments of this specification and the corresponding drawings. Obviously, the embodiments described are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without making any creative efforts are within the scope of protection of this specification.

[0052] In existing technologies, if a user accesses a service provided by a third party through a service platform, the service platform must interact with the third party to complete the requested service. However, the third-party server may experience issues for various reasons, and the network used by the service platform to interact with the third party may also experience problems. If these issues arise, the service platform may be unable to complete the requested service if the user accesses the third-party service through the service platform. The user may be forced to retry the service or abandon the service, thereby reducing service processing efficiency.

[0053] To address the aforementioned issues, this method proposes a business processing method in which a business platform can pre-acquire the business quota required for a user to execute a business from a third party. Upon receiving a business request, the business platform can determine a processing strategy for executing the business for the user based on the time at which the user sent the request. If the user sends a business request within an abnormal time period within a business cycle or within a specified time period, the business platform can allocate the pre-acquired business quota to the user to complete the business requested by the user. Therefore, this method can, to a certain extent, improve the efficiency of the business platform in processing business for users.

[0054] The technical solutions provided by the embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0055] Figure 1 This is a flowchart of a business processing method in this specification, which specifically includes the following steps:

[0056] S101: Receive a service request sent by a user.

[0057] S102: Determine, according to the service request, a service that the user needs to perform as a target service.

[0058] In practice, users can use their terminals to request third-party services from the service platform. The third party mentioned here can be a bank, securities firm, or similar. For example, a user can purchase a bank's financial product through the service platform. The terminal mentioned here can be a mobile phone, laptop, tablet, or other electronic device.

[0059] Based on this, the service platform can receive service requests from users and, based on the service requests, determine the service the user desires to perform as the target service. For example, if a user purchases fixed-term financial product Q offered by Bank A through a terminal on the service platform, the service platform can receive the service request, determine that the product the user desires to purchase is fixed-term financial product Q, and then select the fixed-term financial product Q as the target service.

[0060] S103: Determine a processing policy corresponding to the target service as a target policy according to the target service and the time period based on which the user sends the service request.

[0061] After the service platform identifies the target service, it can determine the corresponding processing strategy for the target service based on the target service and the time period in which the user sent the service request, as the target strategy. In other words, the service platform can determine the time period in which the user sent the service request, and then select the target strategy for processing the service for the user based on the time period and the target service. The processing strategy includes at least one of a first processing strategy and a second processing strategy.

[0062] The first processing strategy is used to obtain the business share of the target business required by the user from the third party providing the target business after receiving the business request and allocate it to the user. The second processing strategy is used to allocate the business share of the target business obtained in advance from the third party to the user. In other words, if the business platform processes the target business through the first processing strategy, the business platform obtains the business share required by the user from the third party in real time after receiving the business request and allocates it to the user. The second processing strategy is that the business platform obtains a certain number of business shares from the third party in advance, and directly allocates the pre-acquired business shares to the user after receiving the business request, without the need for interaction with the third party. Among them, the business share of the target business mentioned here is used to represent the amount of resources required for the user to execute the target business. For example, if a user applies to purchase 55 shares of Fund A through the business platform, the 55 fund shares of Fund A can refer to the business share of the target business.

[0063] In this specification, the time periods within each preset service cycle can be divided into normal time periods and abnormal time periods. Abnormal time periods may refer to time periods when users may encounter problems when performing services due to factors such as third parties and the network. Normal time periods are the opposite of abnormal time periods, and users are less likely to encounter problems when performing services during normal time periods. The service cycle mentioned here can be set according to actual needs, for example, one week as a service cycle, one month as a service cycle, etc.

[0064] As for the method of dividing abnormal time periods and normal time periods, the business platform can obtain historical order records of historical business cycles and determine each abnormal historical order based on the historical order records. Then, based on the historical time period in which each abnormal historical order is located in the historical business cycle, the normal time period and abnormal time period are divided in the current business cycle. Among them, the abnormal historical orders mentioned here can refer to orders corresponding to problems encountered when users perform business in the historical business cycle, that is, orders generated when users perform business when problems occur with the third-party server or the network based on which the business platform interacts with the third party.

[0065] For example, assuming the business cycle is one week, if it is necessary to determine the abnormal time period and normal time period of the current business cycle, the business platform can determine the abnormal historical orders generated in the previous week (of course, it can also be the previous two weeks, etc.). The abnormal historical orders of the previous week were concentrated between 20:00 and 22:00 on Monday and 5:00 and 6:00 on Wednesday. The business platform can determine that the abnormal time period of the current business cycle is 20:00 to 22:00 on Monday and 5:00 to 6:00 on Wednesday, and the rest of the time is normal time period.

[0066] Furthermore, since multiple factors can cause problems when users process transactions, the business platform can identify the abnormal time periods for each factor within the current transaction cycle and use these as the abnormal time periods for the current transaction cycle. These abnormal time periods may be caused by network factors or third-party server factors. In the case of network factors, the third-party network used may be a public network or a dedicated line. Therefore, the business platform can identify historical abnormal orders caused by public network issues, dedicated line issues, and third-party server issues, and combine these factors to determine the abnormal time period for the current transaction cycle.

[0067] It should be noted that different business strategies can be used in different time periods within a business cycle. Since it is not easy for users to encounter problems when performing business in normal time periods, the business platform can use the first business strategy to process business for users in normal time periods, that is, interact with third parties in real time to process business. Therefore, if it is determined that the time period based on which the user sends the above-mentioned business request belongs to the normal time period of the current business cycle, the business platform can determine that the target strategy is the first processing strategy. However, there may be problems when users perform business in abnormal time periods. In abnormal time periods, the business platform can use the second business strategy to process business for users, without the need to interact with third parties in real time. Therefore, if it is determined that the time period based on which the user sends the above-mentioned business request belongs to the abnormal time period of the current business cycle, the target strategy can be determined to be the second processing strategy.

[0068] In practice, a service platform may offer users discounts or promotions for third-party services. During these events, the number of users performing services on the service platform may increase significantly, resulting in the platform typically receiving a large number of service requests. This period is referred to as a designated time period. During a designated time period, if too many users perform services provided by third parties through the service platform, the third-party server will only be able to process a limited number of requests within the specified timeframe. Exceeding this limit may result in the third party being unable to complete the service for the user.

[0069] Therefore, if the time period based on which the user sends a business request belongs to the specified time period, and the number of business requests received within the set time exceeds the set number corresponding to the third party, the target strategy can be determined to be the second processing strategy, that is, the business platform can obtain the business share required by the user in advance and allocate it to the user for business processing without the need to interact with the third party. The set number corresponding to the third party mentioned here refers to the maximum number of requests that the third party can process within the set time. The set number needs to be determined based on the actual situation of the third party, and the set time mentioned here can refer to the time interval for counting the number of requests determined by the business platform or the third party based on actual business needs. In other words, the business platform determines the number of business requests to be accepted within the set time, which actually means that the business platform needs to count the number of business requests received within this time interval at regular intervals.

[0070] S104: Performing business processing on the target business according to the target policy.

[0071] After the service platform determines the target policy used to execute the service for the user, it can perform service processing on the target service according to the target policy.

[0072] In order to ensure that the target business can be successfully completed, the business platform can perform at least one verification task for the target business, which is used to verify whether the third party can complete the target business. The verification task performed by the business platform can refer to the business platform initiating a request to the third party to execute the target business, so that the third party's server executes the target business. If the third party can return a message to the business platform indicating that it can complete the target business, then the business platform can determine that the third party can complete the target business. Such a verification task can be called a designated task, that is, a designated task is used to indicate a verification task to determine that the third party can complete the target business. For example, if the target business is financial product A, when the business platform performs the verification task for financial product A, it can send a business request to the third party corresponding to financial product A to purchase financial product A. Once the third party returns the corresponding response information to the business platform based on the business request, this verification task can be used to determine that the third party can complete the target business of purchasing financial product A. Accordingly, this verification task can be called a designated task.

[0073] It is worth mentioning that in this process, after the business platform sends a business request to the third party, if it receives a response message returned by the third party, it can complete a verification task without the need for actual purchase behavior, that is, the business platform does not need to make actual payment.

[0074] Based on this, if the target strategy determined by the business platform belongs to the first processing strategy, and the proportion of the designated task in at least one verification task is not less than the set proportion, the business platform can process the target business according to the target strategy (i.e., the first processing strategy), that is, the business platform can interact with a third party to execute the target business for the user, wherein the set proportion can be set according to actual needs. If the target strategy determined by the business platform belongs to the first processing strategy, but the proportion of the designated task in the verification task is less than the set proportion, other businesses are recommended to the user for execution based on the user's historical business records and / or the user's attribute information, such as Figure 2 shown.

[0075] Figure 2 This is a schematic diagram of performing business processing on a target business according to a first processing strategy provided in this specification.

[0076] from Figure 2 As can be seen from the figure, the business platform can perform verification tasks for each business. The target business is Business B, that is, the business requested by the user is Business B. If the proportion of the specified task in the verification tasks for Business B is not less than the set proportion, it means that the third party corresponding to Business B is likely to complete Business B. The business platform can use this third party to perform Business B for the user in real time. However, if the proportion of the specified task in the verification tasks for Business B is less than the set proportion, it means that the third party corresponding to Business B is likely unable to complete Business B due to factors such as its own server or network problems. Therefore, the business platform can recommend other businesses for the user to perform.

[0077] In the process of recommending other services to users, the service platform can determine other tasks for users based on the user's historical service records and / or user attribute information. For example, if the user is purchasing fund product B this time, and the user has browsed fund product A many times in the past, then if it is determined that the user cannot complete the purchase of fund product B, fund product A can be recommended to the user. For another example, if the user is purchasing fixed-term financial product A this time, and the user has purchased fixed-term financial product B in the past, then if it is determined that the user cannot complete the purchase of fixed-term financial product A this time, fixed-term financial product C of the same type as fixed-term financial product B can be recommended to the user.

[0078] The user's attribute information can be used to indicate which type of business the user prefers. For example, in the financial management business, the user's attribute information can be conservative, growth-oriented, or risk-oriented. Conservative users tend to buy low-risk financial products, growth-oriented users tend to buy medium-risk financial products, and risk-oriented users tend to buy high-risk financial products. If the user is purchasing a medium-risk financial product this time, and the user is conservative, the business platform can recommend a low-risk financial product to the user when it determines that the user cannot complete the purchase of the medium-risk financial product this time. In addition, the other businesses recommended to the user by the business platform can be tasks in which the specified task accounts for no less than a set proportion of the verification tasks corresponding to the other business. In this way, the business platform is more likely to complete the other business for the user through a third party in real time.

[0079] In this specification, if the target strategy determined by the business platform belongs to the second processing strategy and the business is processed through the second processing strategy, the business platform can allocate the business share of the target business obtained in advance from the third party to the user, such as Figure 3 shown.

[0080] Figure 3 A target strategy provided for this specification is a schematic diagram of the second processing strategy.

[0081] from Figure 3 As can be seen in the figure, after the user sends a service request, the service platform determines that the time period in which the user sends the service request is an abnormal time period and determines the target policy to be the second processing policy. If the service platform determines that there is a surplus of service quota corresponding to the target service, which was previously obtained from a third party, the target service can be processed according to the second processing policy, that is, the pre-acquired service quota of the target service can be allocated to the user for service execution. Otherwise, the target service is processed according to the first processing policy.

[0082] It should be noted that the business platform can, based on historical order records and the identified abnormal time periods of the current business cycle, predict the business share of the target business required by each user during that abnormal time period and obtain that business share from the third party corresponding to the target business. In other words, the business platform can determine the business share of the target business required by each user during the abnormal time period of the current business cycle based on orders generated during the historical business cycle and obtain that business share in advance to execute the business for the user during the abnormal time period of the current business cycle.

[0083] For example, assuming a business cycle of one week, and the business platform identifies the abnormal time periods of the current business cycle as Monday 5:00-6:00 and Wednesday 8:00-22:00, with the target business being wealth management product A, the business platform can identify orders generated by users executing business between Monday 5:00-6:00 and Wednesday 8:00-22:00 during the previous business cycle, and determine the business shares corresponding to wealth management product A in these orders. This will serve as the business shares of wealth management product A required by each user during the abnormal time period of the current business cycle, and these business shares will be obtained. Subsequently, if a user purchases wealth management product A during the abnormal time period of the current business cycle, the business share of wealth management product A required by the user can be directly allocated to the user.

[0084] It should also be noted that during the specified time period, the service platform must also use the pre-acquired service quota to execute services for users. Therefore, the service platform needs to predict the number of service requests received during the specified time period based on historical order records. Based on this number of requests and the corresponding third-party quota, the service platform will predict the service quota for each user's target service during the specified time period.

[0085] The set number for the third party is the maximum number of requests that the third party can handle within the set time period. This allows the business platform to predict the number of requests that the third party will be unable to handle within the specified time period, and then determine and acquire the business share corresponding to the requests that the third party was unable to handle within the specified time period.

[0086] For example, assuming that the target business is still financial product A, and the business platform holds a promotion on the first day of this month (that is, the first day of this month is the specified time period), the business platform can determine the number of orders generated in one day when the promotion was held in the past. The business platform can also determine the number of requests that the third party can process in one day. The business platform can then determine the number of orders that the third party cannot process in one day, and determine the business share corresponding to financial product A in these orders, and use these business shares as the predicted business share of the target business required by each user in the specified time period.

[0087] Of course, the service platform may also predict the service share of the target service required by each user within a specified time period in other ways, for example, by determining the service share using the following formula.

[0088] Predicted business share = (number of views * purchase conversion rate - set number) * average business share

[0089] The business platform can predict the number of users who will browse Financial Product A during this promotion based on the number of users who browsed Financial Product A during historical promotions, which is the number of views in the above formula. The purchase conversion rate in the above formula represents the proportion of users who browsed Financial Product A and then purchased Financial Product A. Therefore, the product of the number of users who browsed Financial Product A (the above number of views) and the purchase conversion rate represents the predicted number of users who will purchase Financial Product A. The set number is the maximum number of requests for the purchase of Financial Product A that the third party can handle (such as the maximum number of orders that can be processed) as determined by the business platform. The business platform can use the above formula to determine the number of orders for the purchase of Financial Product A that the third party cannot process during the promotion period, and then use this number of orders and the average business share of the Financial Product A purchased by users in history to predict the business share of the target business required by each user within the specified time period.

[0090] As can be seen from the above process, the service platform can pre-acquire the service quota required for users to perform services from a third party. After receiving a service request, the service platform can determine the processing strategy for the user's service execution based on the time at which the user submitted the service request. If the user submits a service request within an unusual time period within a service cycle or within a specified time period, the service platform can allocate the pre-acquired service quota to the user to complete the requested service. Therefore, this method can improve the efficiency of the service platform's service processing for users to a certain extent.

[0091] It should be noted that the above uses the scenario of financial products as an example to illustrate the business processing method provided in this specification. This method can also be applied to other business scenarios. For example, the third party can be a shopping platform, and the business platform can cooperate with various shopping platforms to enable users to purchase goods provided by the shopping platform on the business platform. Based on this, when the user purchases goods on the shopping platform, the business platform can determine the time period based on which the user sends the business request, determine the target strategy for business processing for the user, and then perform business processing for the user through the target strategy to avoid problems when the user purchases goods on the shopping platform through the business platform. Other scenarios will not be explained in detail here.

[0092] The above is a method for business processing provided by one or more embodiments of this specification. Based on the same idea, this specification also provides a corresponding business processing device, such as Figure 4 shown.

[0093] Figure 4 A schematic diagram of a device for business processing provided in this specification specifically includes:

[0094] Receiving module 401, used to receive a service request sent by a user;

[0095] A service determination module 402 is configured to determine, based on the service request, a service that the user needs to perform as a target service;

[0096] The policy determination module 403 is configured to determine, based on the target service and the time period in which the user sends the service request, a processing policy corresponding to the target service, the target policy including: at least one of a first processing policy and a second processing policy, wherein the first processing policy is configured to, upon receiving the service request, obtain a service share of the target service required by the user from a third party providing the target service and allocate the share to the user; and the second processing policy is configured to allocate the service share of the target service previously obtained from the third party to the user.

[0097] The processing module 404 is configured to perform service processing on the target service according to the target policy.

[0098] Optionally, the policy determination module 403 is specifically used to, if it is determined that the time period based on which the user sends the business request belongs to the normal time period of the current business cycle, determine that the target policy is the first processing policy; if it is determined that the time period based on which the user sends the business request belongs to the abnormal time period of the current business cycle, determine that the target policy is the second processing policy.

[0099] Optionally, the device further comprises:

[0100] The division module 405 is used to obtain historical order records of the historical business cycle; determine each abnormal historical order based on the historical order records; and divide the current business cycle into a normal time period and an abnormal time period based on the historical time period in which each abnormal historical order is located in the historical business cycle.

[0101] Optionally, the device further comprises:

[0102] A verification module 406 is configured to execute at least one verification task for the target business before processing the target business according to the target policy, wherein the verification task is used to verify whether the third party can complete the target business;

[0103] The processing module 404 is specifically used to, if the target strategy belongs to the first processing strategy, and it is determined that the proportion of the specified task in the at least one verification task is not less than the set proportion, perform business processing on the target business according to the target strategy, and the specified task is used to indicate the verification task of determining whether the third party can complete the target business.

[0104] Optionally, the device further comprises:

[0105] The recommendation module 407 is used to recommend other services to the user for execution based on the user's historical business records and / or the user's attribute information if the target strategy belongs to the first processing strategy and it is determined that the proportion of the specified task in the at least one verification task is less than the set proportion.

[0106] Optionally, the processing module 404 is specifically used to, if the target strategy belongs to the second processing strategy and it is determined that there is a surplus of the business share corresponding to the target business obtained in advance from the third party, perform business processing on the target business according to the second processing strategy; otherwise, perform business processing on the target business according to the first processing strategy.

[0107] Optionally, the policy determination module 403 is specifically used to determine that the target policy is the second processing policy if it is determined that the number of business requests received within the set time exceeds the set number corresponding to the third party, and the time period based on which the user sends the business request belongs to the specified time period, and the set number is the maximum number of requests that the third party can process within the set time.

[0108] Optionally, the device further comprises:

[0109] The acquisition module 408 predicts the number of business requests received within the specified time period based on historical order records; predicts the business share of the target business required by each user within the specified time period based on the number of requests and the set number corresponding to the third party; and obtains the business share from the third party.

[0110] Optionally, the acquisition module 408 is specifically configured to predict the business share of the target business required by each user within the abnormal time period based on historical order records and the abnormal time period of the current business cycle; and acquire the business share from the third party.

[0111] This specification also provides a computer-readable storage medium, which stores a computer program that can be used to execute the above Figure 1 The business processing method shown.

[0112] This manual also provides Figure 5 The schematic structure diagram of the electronic device shown in FIG. Figure 5 As mentioned above, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory and a non-volatile memory, and may also include other hardware required for the business. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it to achieve the above Figure 1Of course, in addition to software implementation, this specification does not exclude other implementation methods, such as logic devices or a combination of software and hardware, etc., that is, the execution subject of the following processing flow is not limited to each logic unit, but can also be hardware or logic devices.

[0113] In the 1990s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD through their own programming, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0114] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that in addition to implementing the controller in a purely computer-readable program code format, the controller can be implemented in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be considered as structures within the hardware component. Or even, the devices for implementing various functions can be considered as both software modules that implement the method and structures within the hardware component.

[0115] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0116] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0117] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0118] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0119] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0120] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0121] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0122] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0123] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0124] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0125] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Thus, this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0126] This specification may be described in the general context of computer-executable instructions, such as program modules, executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. This specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media, including storage devices.

[0127] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0128] The foregoing is merely an example of the present invention and is not intended to limit the present invention. Various modifications and variations are possible for those skilled in the art. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims of the present invention.

Claims

1. A business processing method, characterized in that: include: Receive business requests sent by users; Determining, according to the service request, a service that the user needs to perform as a target service; Determining, based on the target service and the time period in which the user sends the service request, a processing strategy corresponding to the target service as the target strategy, the processing strategy including: at least one of a first processing strategy and a second processing strategy, the first processing strategy being configured to, upon receiving the service request, obtain a service share of the target service required by the user from a third party providing the target service and allocate the share to the user, and the second processing strategy being configured to allocate the service share of the target service previously obtained from the third party to the user; Performing business processing on the target business according to the target strategy; Before performing service processing on the target service according to the target policy, the method further includes: executing at least one verification task for the target business, wherein the verification task is used to verify whether the third party is capable of completing the target business; Performing business processing on the target business according to the target policy, specifically including: If the target policy belongs to the first processing policy, and it is determined that the proportion of the designated task in the at least one verification task is not less than the set proportion, business processing is performed on the target business according to the target policy, where the designated task is used to indicate a verification task to determine whether the third party can complete the target business; if the target policy belongs to the first processing policy, and it is determined that the proportion of the designated task in the at least one verification task is less than the set proportion, other businesses are recommended to the user for execution based on the user's historical business records and / or the user's attribute information; If the target policy belongs to the second processing policy, and it is determined that there is a surplus of the business share corresponding to the target business obtained in advance from the third party, the target business is processed according to the second processing policy; otherwise, the target business is processed according to the first processing policy.

2. The method according to claim 1, wherein Determine, based on the target service and the time period in which the user sends the service request, a processing strategy corresponding to the target service as a target strategy, specifically including: If it is determined that the time period based on which the user sends the service request belongs to the normal time period of the current service cycle, determining that the target policy is the first processing policy; If it is determined that the time period based on which the user sends the service request belongs to the abnormal time period of the current service cycle, the target policy is determined to be the second processing policy.

3. The method according to claim 2, wherein The normal time period and abnormal time period of the current business cycle are divided into: Obtain historical order records of historical business cycles; Determine each abnormal historical order based on the historical order records; According to the historical time periods of the historical business cycles in which the abnormal historical orders are located, the current business cycle is divided into normal time periods and abnormal time periods.

4. The method according to claim 1, wherein Determine, based on the target service and the time period in which the user sends the service request, a processing strategy corresponding to the target service as a target strategy, specifically including: If it is determined that the number of business requests received within the set time exceeds the set number corresponding to the third party, and the time period based on which the user sends the business request belongs to the specified time period, the target policy is determined to be the second processing policy, and the set number is the maximum number of requests that the third party can process within the set time.

5. The method according to claim 4, wherein The business share of the target business obtained in advance from the third party specifically includes: Predicting the number of business requests received within the specified time period based on historical order records; Predicting the business share of the target business required by each user within the specified time period based on the number of requests and the set number corresponding to the third party; Acquire the business share from the third party.

6. The method according to claim 2, wherein The business share of the target business obtained in advance from the third party specifically includes: Predicting the business share of the target business required by each user within the abnormal time period based on historical order records and the abnormal time period of the current business cycle; Acquire the business share from the third party.

7. A computer-readable storage medium, characterized in that The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the method according to any one of claims 1 to 6 is implemented.

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