Payment link creation method and device

Abstract

The embodiments of this specification provide a payment link creation method and device. In the creation method, the payment platform obtains a product payment order with a service agreement, which at least indicates the preferential amount and merchant of the user's purchase of the product, and the service agreement indicates that the product needs to use the first service package provided by the first service provider. Send a first request to a banking institution to transfer the funds of the preferential amount to the merchant. Create a payment link, which includes a first link and a second link. The first link is used to deduct the package fee of the first service package from the user's bound account, and the second link is used to enable the first service provider and the banking institution to obtain a predetermined share of the package fee after the package fee is deducted through the first link.

Description

Technical Field

[0001] One or more embodiments of the present specification relate to the field of computer technology, and in particular, to a payment link creation method and device. Background Art

[0002] In traditional technology, when a user purchases a product with a preferential amount and a service agreement, the payment platform usually pre-freezes the funds of the preferential amount from the user's bound account. The service agreement here means that the above-mentioned product requires the use of a specific service package provided by a specific service provider, and the specific service package usually requires the user to purchase it in installments. Afterwards, after the user purchases the above-mentioned specific service package on schedule, the pre-frozen funds are gradually unfrozen for the user.

[0003] It should be noted that the above-mentioned method of pre-freezing user funds requires users to understand various fees such as preferential amounts, service package fees, and product balances, which will bring a poor experience to users. Summary of the invention

[0004] One or more embodiments of this specification describe a payment link creation method and device, which can provide users with a new way to purchase products. Users only need to purchase service packages on time to enjoy the preferential amount of the product, thereby greatly improving the user experience.

[0005] In a first aspect, a payment link creation method is provided, comprising:

[0006] Obtaining a product payment order with a service agreement, which at least indicates a discount amount and a merchant for the user to purchase the product, wherein the service agreement indicates that the product needs to use a first service package provided by a first service provider;

[0007] Sending a first request to a banking institution to transfer the funds of the preferential amount to the merchant;

[0008] A payment link is created, wherein the payment link includes a first link and a second link, wherein the first link is used to deduct the package fee of the first service package from the bound account of the user, and the second link is used to enable the first service provider and the banking institution to respectively obtain a predetermined share of the package fee after the package fee deduction is completed through the first link.

[0009] In a second aspect, a payment link creation device is provided, comprising:

[0010] An acquisition unit, configured to acquire a product payment order with a service agreement, which at least indicates a discount amount and a merchant for a user to purchase a product, wherein the service agreement indicates that the product needs to use a first service package provided by a first service provider;

[0011] A sending unit, configured to send a first request to a banking institution, so that the banking institution transfers the funds of the preferential amount to the merchant;

[0012] A creation unit is used to create a payment link, the payment link includes a first link and a second link, the first link is used to deduct the package fee of the first service package from the user's bound account, and the second link is used to enable the first service provider and the banking institution to respectively obtain a predetermined share of the package fee after the package fee deduction is completed through the first link.

[0013] According to a third aspect, a computer storage medium is provided, on which a computer program is stored. When the computer program is executed in a computer, the computer is caused to execute the method of the first aspect.

[0014] According to a fourth aspect, a computing device is provided, including a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, the method of the first aspect is implemented.

[0015] In the payment link creation method and device provided in one or more embodiments of this specification, when a user purchases a product with a preferential quota and an accompanying service agreement, the payment platform instructs the banking institution to first pay the merchant the preferential quota funds. Afterwards, when the service package fee is deducted from the user's account, that is, when the user pays the service package fee indicated in the service agreement, a predetermined share of the fee is transferred to the banking institution to repay the preferential quota, and the service provider retains the remaining share of the fee. It can be seen that in the solution provided in this specification, the user only needs to pay the service package fee to enjoy the preferential quota of the product, and there is no need to freeze the user's funds, which can greatly improve the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the technical solutions of the embodiments of this specification, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0017] Figure 1 A schematic diagram of an implementation scenario provided for an embodiment of this specification;

[0018] Figure 2 An interactive diagram of a payment link creation method provided in one embodiment of this specification;

[0019] Figure 3 The payment flow chart for users provided in this manual;

[0020] Figure 4 To correspond to Figure 3 One of the funding chain diagrams;

[0021] Figure 5 To correspond to Figure 3 The second diagram of the capital chain;

[0022] Figure 6 A schematic diagram of a payment link creation device provided in one embodiment of this specification. DETAILED DESCRIPTION

[0023] The solution provided in this specification is described below in conjunction with the accompanying drawings.

[0024] Figure 1 A schematic diagram of an implementation scenario provided for an embodiment of this specification. Figure 1 In the example, after the user selects the product he wants to buy and the corresponding service agreement through the shopping platform and executes the order operation, the corresponding product order can be generated. Afterwards, when the user performs a payment operation for the product order, the shopping platform can send a payment request to the payment platform, so that the payment platform can generate a corresponding product payment order. The product payment order at least indicates the preferential amount and merchant of the product purchased by the user. The above-mentioned service agreement may indicate that the above-mentioned product needs to use the first service package provided by the first service provider. After the payment platform generates or obtains the above-mentioned product payment order, it can send a loan request (i.e., a first request) to a banking institution, so that the banking institution transfers the funds of the preferential amount to the merchant, and the transaction link is completed.

[0025] In addition to the above transaction links, the present solution can also create the following two payment links: a first link and a second link. The first link is used to deduct the package fee of the first service package from the user's bound account. The second link is used to enable the first service provider and the bank institution to obtain a predetermined share of the package fee after the package fee is deducted through the first link.

[0026] To facilitate understanding, the actual application scenarios of the above methods are first introduced.

[0027] In an exemplary scenario, the product is a mobile terminal, such as a mobile phone. The first service provider is a communication service provider, such as a mobile operator, a telecom operator, or a Unicom operator. The first service package is a communication service package.

[0028] In another exemplary scenario, the product is an electronic reader, such as Kindle, etc. The first service provider is a book service provider. The first service package is a content push service package.

[0029] In another exemplary scenario, the product is a music player, such as an MP3, etc. The first service provider is a music service provider, and the first service package is a music service package.

[0030] The above is a description of the application scenario of this solution. The following is a detailed description of this solution.

[0031] Figure 2 This is an interactive diagram of a payment link creation method provided in one embodiment of this specification. Figure 2 As shown, the method may include the following steps:

[0032] Step 202: The payment platform obtains a product payment order with an attached service agreement.

[0033] In one example, after a user selects the product to be purchased and the corresponding service agreement through a shopping platform and performs an order operation, a corresponding product order can be generated. Afterwards, when the user performs a payment operation for the product order, the shopping platform can send a payment request to the payment platform, so that the payment platform can generate a corresponding product payment order.

[0034] The product payment order at least indicates the preferential amount and merchant of the product purchased by the user. The preferential amount here can also be generally referred to as direct discount, which is the subsidy fee given to the user by the first service provider when the user fulfills the service agreement. In other words, the funds of the above preferential amount are transferred from the first service provider to the merchant.

[0035] The service agreement in step 202 may indicate that the product needs to use a first service package provided by a first service provider, such as a mobile phone needs to use a certain call package provided by a mobile operator.

[0036] In one example, the package fee of the first service package can be paid in installments. The installments here can be, for example, 3 installments, 6 installments, 12 installments, or 24 installments, etc., wherein the length of each time period can be one week or one month, etc. Thus, the package fee is specifically expressed in the following form: total time period * fee per installment, wherein the total time period = total number of installments * length of each time period. In a specific example, the package fee can be expressed as: 24 months * 100 yuan.

[0037] Step 204: the payment platform sends a first request to a banking institution, asking it to transfer the above-mentioned preferential amount of funds to the merchant.

[0038] It should be understood that the bank institution here transfers the preferential amount of funds on behalf of the first service provider, so the bank institution will subsequently collect the fee from the first service provider. In other words, after the bank institution performs the above fund transfer operation, it will add a new account receivable with a preferential amount. The account receivable can be collected in installments.

[0039] Step 206, create a payment link.

[0040] The payment link here includes a first link and a second link.

[0041] In one example, creating the first link may include: deducting the fee for each period of the first service package from the user's bound account at a fixed time in each time period according to the total number of periods of the first service package. Taking the package fee of 24 months*100 yuan as an example, the above step of creating the first link can be understood as: deducting 100 yuan from the user's bound account on the 1st of each month within 24 months.

[0042] In another example, creating the first link may include: after receiving a payment instruction from the user, deducting the fee per period of the first service package from the bound account of the user.

[0043] In summary, the first link is used to deduct the package fee of the first service package from the user's bound account.

[0044] The above is a description of a method for creating a first link. The following is a description of a method for creating a second link.

[0045] Specifically, in the case where the first service provider has a payment function, the method for creating the second link may include: after the deduction of each period of the service package fee, sending a first instruction to a banking institution, so that the banking institution transfers all the fees for each period of the first service package to the first service provider, so that the first service provider can transfer the first amount of funds therein to the banking institution, and use the remaining amount of funds to provide users with service discount rights.

[0046] It should be understood that the first service provider transfers the first amount of funds to the bank institution in order to repay the preferential amount. In one example, the first amount can be the quotient of the preferential amount and the total number of installments. For example, if the preferential amount is 720 yuan and the total number of installments is 24, then the first amount can be 30 yuan.

[0047] In addition, the above-mentioned service discount rights may refer to service rights with discounts. For example, when the fee per period is 100 yuan and the first amount is 30 yuan, the remaining amount is 70 yuan. In other words, the first service provider only gets 70 yuan, but it still provides the user with a service right of 100 yuan, so that the user enjoys the corresponding service discount rights.

[0048] In the case where the first service provider does not have a payment function, the method for creating the second link may include: after each period of fees is deducted, sending a first instruction to a banking institution, so that the banking institution transfers a first amount of funds in each period of fees for the first service package to a local account, and transfers the remaining amount of funds to the first service provider, so that the first service provider can use the remaining amount of funds to provide service discount benefits to users.

[0049] It should be understood that the above-mentioned bank institution transfers the first amount of funds in each period of fees to the local account in order to realize the repayment of the preferential amount. In one example, the first amount can be the quotient of the preferential amount and the total number of periods. For example, if the preferential amount is 720 yuan and the total number of periods is 24, then the first amount can be 30 yuan.

[0050] It should be noted that based on the above two methods of creating the second link, it can be concluded that the above second link is used to enable the first service provider and the banking institution to obtain a predetermined share of the package fee after the package fee is deducted through the first link. For example, in the above example, the first service provider obtains 70% (70 / 100) of the package fee, and the banking institution obtains 30% (30 / 100) of the package fee.

[0051] It should also be noted that, in the case where the first service provider has or does not have the payment function, the difference between the first link and the second link mentioned above is only whether the first service provider repays the preferential amount of funds on its own or the bank institution repays the preferential amount of funds on behalf of the first service provider. For users, they will not perceive the difference between the two, because in both cases, users only need to pay the service package fee to the payment platform at a fixed time in each time period. This can reduce the user's understanding cost and thus improve the user experience.

[0052] In summary, the payment link creation method provided in the embodiments of this specification provides users with a new way to purchase products, that is, users only need to purchase service packages on schedule to enjoy the preferential amount of the product, without freezing the funds of the preferential amount from the user's bound account, and without requiring users to understand the complex fund flow relationship, thereby improving the user experience. In addition, this solution also explains the payment link creation method for two situations: whether the service provider has a payment function, so that this solution can be applied to a variety of scenarios, that is, this solution has good universal applicability.

[0053] The solutions provided in the embodiments of this specification are further described below with reference to specific examples.

[0054] First, let's take the example that the product is a mobile phone, the first service provider is a China Mobile or China Unicom operator, the first service package is a 24-month*100 yuan call package, and the preferential amount of the mobile phone is 720 yuan. It should be understood that the China Mobile or China Unicom operator here usually has its own operator payment company, that is, the China Mobile or China Unicom operator here has a payment function.

[0055] In the above example, the user's payment process can be as follows Figure 3 shown. Figure 3 In the app, users first select the phone model and phone package through the shopping platform and place an order to generate the corresponding mobile phone order. Then, users can perform payment operations for the mobile phone order and indicate the corresponding payment method. For example, indicate to use Huabei monthly payment. After that, users can enjoy the corresponding discount amount.

[0056] It should be understood that if the model selected by the user is free after the user purchases the call package, the transaction process of the user purchasing the mobile phone is completed.

[0057] If the user needs to pay the balance for the mobile phone after purchasing the call package, the user can choose the corresponding payment method (for example, Huabei installment payment or scan code payment, etc.) to pay the corresponding balance, and the transaction process of the mobile phone ends here.

[0058] After the transaction process is completed, the user only needs to pay 100 yuan to the payment platform on a fixed date every month within 24 months, or the payment platform will deduct 100 yuan from the user's bound account on a fixed date every month within 24 months to complete the corresponding payment process.

[0059] The above is an explanation of the mobile phone payment process from the user's perspective. The following is an explanation of the corresponding funding link.

[0060] Figure 4 For Figure 3 Corresponding funding chain diagram. Figure 4 In the example, after the user selects the mobile phone model and the phone fee package he wants to buy through the shopping platform and performs the order operation, the corresponding mobile phone order can be generated. Afterwards, when the user performs the payment operation for the mobile phone order, the shopping platform can send a payment request to the payment platform, so that the payment platform can generate the corresponding mobile phone payment order. The mobile phone payment order at least indicates the user's preferential amount and the operator type (for example, China Mobile or China Unicom) for purchasing the mobile phone.

[0061] Since China Mobile and China Unicom operators have their own operator payment companies, the payment platform first sends a first request (i.e., a loan request) to a banking institution (e.g., MyBank) so that the banking institution transfers the preferential amount of funds (i.e., 720 yuan) to the mobile phone store at one time. Then, two funding links are created as follows: The first link: The payment platform deducts 100 yuan from the user's bound account on a fixed date (e.g., the 1st) of each month within 24 months. The second link: The payment platform transfers the 100 yuan to the operator. The operator transfers 30 yuan of it to the operator payment company so that the operator payment company can transfer the 30 yuan to the banking institution, thereby realizing the installment repayment of the preferential amount paid by the banking institution to the mobile phone store on behalf of the operator. In addition, the operator can also use the remaining 70 yuan to recharge the user's 100 yuan phone package, so that the user can enjoy the phone bill discount rights.

[0062] Let's take the example of a mobile phone as the product, a telecom operator as the first service provider, a 24-month*100 yuan phone package as the first service package, and a 720 yuan discount for the mobile phone as an example. It should be understood that the telecom operator here usually does not have a corresponding operator payment company, that is, the telecom operator here does not have a payment function.

[0063] In this example, the user's payment process remains unchanged, that is, you can refer to Figure 3 As shown, the corresponding funding link can be as follows Figure 5 shown. Figure 5 In the example, after the user selects the mobile phone model and the phone fee package he wants to buy through the shopping platform and performs the order operation, the corresponding mobile phone order can be generated. Afterwards, when the user performs the payment operation for the mobile phone order, the shopping platform can send a payment request to the payment platform, so that the payment platform can generate the corresponding mobile phone payment order. The mobile phone payment order at least indicates the user's preferential amount and operator type (for example, telecommunications operator) for purchasing the mobile phone.

[0064] Since telecom operators do not have corresponding operator payment companies, the payment platform first sends a first request (i.e., a loan request) to a banking institution (e.g., MyBank), so that the banking institution transfers the preferential funds (i.e., 720 yuan) to the mobile phone store at one time. Then, two funding links are created as follows: The first link: The payment platform deducts 100 yuan from the user's bound account on a fixed date (e.g., the 1st) of each month within 24 months. The second link: The payment platform transfers 30 yuan of it to a local account to realize the installment repayment of the preferential amount paid by the banking institution to the mobile phone store on behalf of the operator. In addition, the payment platform also transfers the remaining 70 yuan to the operator so that the operator can use the remaining 70 yuan to recharge the user's 100 yuan phone package, so that the user can enjoy the phone discount rights.

[0065] From the above two examples, it can be seen that no matter whether the operator has a corresponding operator payment company, for users, they only need to pay 100 yuan to the payment platform monthly to enjoy the preferential quota of mobile phones, that is to say, the change in the capital flow process under the two modes does not affect the user's payment operation. In addition, this solution allows users to enjoy the preferential quota of mobile phones without freezing the user's funds, which can greatly improve the user experience.

[0066] Corresponding to the above payment link creation method, an embodiment of this specification also provides a payment link creation device, such as Figure 6 As shown, the device may include:

[0067] The acquisition unit 602 is used to acquire a product payment order with a service agreement, which at least indicates the discount amount and merchant for the user to purchase the product. The service agreement indicates that the product needs to use a first service package provided by a first service provider.

[0068] in,

[0069] The above-mentioned product is a mobile terminal, the first service provider is a communication service provider, and the first service package is a communication service package; or,

[0070] The above-mentioned product is an electronic reader, the first service provider is a book service provider, and the first service package is a content push service package; or,

[0071] The above-mentioned product is a music player, the first service provider is a music service provider, and the first service package is a music service package.

[0072] The sending unit 604 is used to send a first request to a banking institution, so that it transfers the funds of the preferential amount to the merchant.

[0073] The creation unit 606 is used to create a payment link, which includes a first link and a second link. The first link is used to deduct the package fee of the first service package from the user's bound account, and the second link is used to enable the first service provider and the banking institution to respectively obtain a predetermined share of the package fee after the package fee deduction is completed through the first link.

[0074] The creation unit 606 is specifically used for:

[0075] According to the total number of periods of the first service package, at a fixed time within each time period, the fee for each period of the first service package is deducted from the user's bound account by polling.

[0076] In one example, the first service provider has a payment function, and the creating unit 606 is further specifically configured to:

[0077] After each period of fees is deducted, a first instruction is sent to the banking institution to transfer all the period of fees for the first service package to the first service provider, so that the first service provider can transfer the first amount of funds therein to the banking institution and use the remaining amount of funds to provide service discount rights to users.

[0078] In another example, the first service provider does not have a payment function, and the creating unit 606 is further specifically configured to:

[0079] After each period of fees is deducted, a first instruction is sent to the banking institution to transfer a first amount of funds in each period of fees for the first service package to a local account, and to transfer the remaining amount of funds to the first service provider, so that the first service provider can use the remaining amount of funds to provide service discount benefits to users.

[0080] Among them, the above-mentioned first amount is the quotient of the above-mentioned preferential amount and the total number of periods.

[0081] The functions of the functional modules of the device in the above-mentioned embodiment of this specification can be implemented through the steps of the above-mentioned method embodiment. Therefore, the specific working process of the device provided by one embodiment of this specification will not be repeated here.

[0082] The payment link creation device provided in one embodiment of the present specification can provide users with a new way to purchase products. Users only need to purchase service packages on time to enjoy the preferential amount of the product, thereby greatly improving the user experience.

[0083] According to another embodiment, there is also provided a computer-readable storage medium having a computer program stored thereon, which, when executed in a computer, causes the computer to execute a combination of Figure 2 , Figure 4 or Figure 5 The method described.

[0084] According to another embodiment of the present invention, a computing device is provided, including a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, the Figure 2 , Figure 4 or Figure 5 The method described.

[0085] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0086] The steps of the method or algorithm described in conjunction with the disclosure of this specification can be implemented in hardware or by a processor executing software instructions. The software instructions can be composed of corresponding software modules, and the software modules can be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, register, hard disk, mobile hard disk, CD-ROM or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an ASIC. In addition, the ASIC can be located in a server. Of course, the processor and the storage medium can also be present in the server as discrete components.

[0087] Those skilled in the art will appreciate that in one or more of the above examples, the functions described in the present invention may be implemented in hardware, software, firmware, or any combination thereof. When implemented using software, the functions may be stored in a computer-readable medium or transmitted as one or more instructions or codes on a computer-readable medium. Computer-readable media include computer storage media and communication media, wherein communication media include any media that facilitates the transmission of a computer program from one place to another. The storage medium may be any available medium that a general or special-purpose computer can access.

[0088] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0089] The specific implementation methods described above further illustrate the purpose, technical solutions and beneficial effects of this specification. It should be understood that the above description is only the specific implementation method of this specification and is not intended to limit the protection scope of this specification. Any modifications, equivalent substitutions, improvements, etc. made on the basis of the technical solutions of this specification should be included in the protection scope of this specification.

Claims

1. A payment link creation method, executed by a payment platform, comprising: Obtaining a product payment order with a service agreement, which at least indicates a discount amount and a merchant for the user to purchase the product, wherein the service agreement indicates that the product needs to use a first service package provided by a first service provider; the discount amount is a subsidy fee given to the user by the first service provider if the user fulfills the service agreement; Sending a first request to a banking institution to transfer the funds of the preferential amount to the merchant; A payment link is created, wherein the payment link includes a first link and a second link, wherein the first link is used to deduct the package fee of the first service package from the bound account of the user, and the second link is used to enable the first service provider and the banking institution to respectively obtain a predetermined share of the package fee after the package fee deduction is completed through the first link.

2. The method according to claim 1, wherein: The product is a mobile terminal, the first service provider is a communication service provider, and the first service package is a communication service package; or, The product is an electronic reader, the first service provider is a book service provider, and the first service package is a content push service package; or, The product is a music player, the first service provider is a music service provider, and the first service package is a music service package.

3. The method according to claim 1, wherein: The first link is created by the following steps: According to the total number of periods of the first service package, the fee for each period of the first service package is deducted from the user's bound account at a fixed time within each time period.

4. The method according to claim 3, wherein: The first service provider has a payment function; the second link is created by the following steps: After the deduction of each period of fees is completed, a first instruction is sent to the banking institution to transfer all the period of fees for the first service package to the first service provider, so that the first service provider can transfer the first amount of funds therein to the banking institution and use the remaining amount of funds to provide service discount benefits to users.

5. The method according to claim 3, wherein: The first service provider does not have a payment function; the second link is created by the following steps: After the deduction of each period of fees is completed, a first instruction is sent to the banking institution to transfer a first amount of funds in each period of fees for the first service package to a local account, and transfer the remaining amount of funds to the first service provider, so that the first service provider can use the remaining amount of funds to provide service discount benefits to users.

6. The method according to claim 4 or 5, wherein: The first amount is the quotient of the preferential amount and the total number of periods.

7. A payment link creation device, arranged on a payment platform, comprising: an acquisition unit, configured to acquire a product payment order with a service agreement attached thereto, wherein at least the preferential amount and the merchant of the product purchased by the user are indicated, wherein the service agreement indicates that the product needs to use a first service package provided by a first service provider; the preferential amount is a subsidy fee given to the user by the first service provider if the user performs the service agreement; A sending unit, configured to send a first request to a banking institution, so that the banking institution transfers the funds of the preferential amount to the merchant; A creation unit is used to create a payment link, the payment link includes a first link and a second link, the first link is used to deduct the package fee of the first service package from the user's bound account, and the second link is used to enable the first service provider and the banking institution to respectively obtain a predetermined share of the package fee after the package fee deduction is completed through the first link.

8. The device according to claim 7, wherein: The product is a mobile terminal, the first service provider is a communication service provider, and the first service package is a communication service package; or, The product is an electronic reader, the first service provider is a book service provider, and the first service package is a content push service package; or, The product is a music player, the first service provider is a music service provider, and the first service package is a music service package.

9. The device according to claim 7, wherein: The creation unit is specifically used for: According to the total number of periods of the first service package, at a fixed time within each time period, the fee for each period of the first service package is deducted from the user's bound account by polling.

10. The device according to claim 9, wherein: The first service provider has a payment function; and the creation unit is further specifically configured to: After the deduction of each period of fees is completed, a first instruction is sent to the banking institution to transfer all the period of fees for the first service package to the first service provider, so that the first service provider can transfer the first amount of funds therein to the banking institution and use the remaining amount of funds to provide service discount benefits to users.

11. The device according to claim 9, wherein: The first service provider does not have a payment function; and the creation unit is further specifically configured to: After the deduction of each period of fees is completed, a first instruction is sent to the banking institution to transfer a first amount of funds in each period of fees for the first service package to a local account, and transfer the remaining amount of funds to the first service provider, so that the first service provider can use the remaining amount of funds to provide service discount benefits to users.

12. The device according to claim 10 or 11, wherein: The first amount is the quotient of the preferential amount and the total number of periods.

13. A computer-readable storage medium having a computer program stored thereon, wherein: When the computer program is executed in a computer, the computer is caused to execute the method according to any one of claims 1 to 6.

14. A computing device comprising a memory and a processor, wherein: The memory stores executable codes, and when the processor executes the executable codes, the method according to any one of claims 1 to 6 is implemented.

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