Platform-based unified allocation interfacing method and apparatus

Abstract

The application relates to a platform-based unified distribution docking method, which comprises the following steps: receiving data related to one or more services provided by a service provider from the service provider; preprocessing the data and caching the preprocessed data into a data pool; receiving custom process configuration information corresponding to one or more services in the data pool from a bank; and determining configuration parameters of a plurality of business process modules in the platform and / or jump switching between the plurality of business process modules according to the custom process configuration information, wherein the business process modules correspond to sub-steps or sub-processes of the one or more services. The application also relates to a platform-based unified distribution docking device, a computer storage medium, a computer program product and a server.

Description

Technical Field

[0001] This application relates to the field of data connection and distribution, specifically to platform-based unified distribution and connection methods and equipment, computer storage media, computer program products, and servers. Background Technology

[0002] Currently, the rights and interests data provided by various banks are all handled through data exchange between the banks and rights and interests providers or third parties. The entire processing cycle is long and involves a lot of repetitive work. This results in problems such as high manpower investment, inconsistent rights and interests data exchange standards, difficulty in subsequent operation and maintenance, high rate of redundant development, and prominent security issues.

[0003] Therefore, a technical solution is needed to unify and integrate the data on rights and interests. Summary of the Invention

[0004] According to one aspect of the present invention, a platform-based unified allocation and docking method is provided, the method comprising: receiving data related to one or more services provided by a service provider from a service provider; preprocessing the data and caching the preprocessed data in a data pool; receiving custom process configuration information corresponding to one or more services in the data pool from a bank; and determining configuration parameters of multiple business process modules within the platform and / or switching between the multiple business process modules according to the custom process configuration information, wherein the business process modules correspond to sub-steps or sub-processes of the one or more services.

[0005] As a supplement or alternative to the above solution, in the above method, receiving data related to one or more services provided by the service provider includes: receiving the data from the service provider via an open API.

[0006] As a supplement or alternative to the above scheme, in the above method, the data includes rights data related to rights services and information related to the service provider.

[0007] As a supplement or replacement to the above solution, the preprocessing of the data and caching of the preprocessed data into the data pool in the above method includes: verifying the rights data and the relevant information of the service provider; and after the verification is passed, determining the unified interface parameters between the platform and the service provider for a specific rights service and caching them.

[0008] As a supplement or replacement to the above scheme, the unified interface parameters in the above method include payment certificate, public and private keys, status transition parameters, and reservation information parameters.

[0009] As a supplement or alternative to the above scheme, the above method may further include: determining matching and allocation parameters; and allocating the one or more services based on the matching and allocation parameters.

[0010] As a supplement or replacement to the above scheme, in the above method, the matching and issuing parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

[0011] As a supplement or replacement to the above solution, in the above method, determining the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules according to the custom process configuration information includes: determining the execution order of the multiple business process modules according to the custom process configuration information.

[0012] As a supplement or replacement to the above solution, in the above method, the open API adopts a unified security standard and applies a unified gateway.

[0013] According to another aspect of the present invention, a platform-based unified allocation and docking device is provided, the device comprising: a first receiving device for receiving data related to one or more services provided by a service provider; a data pool maintenance device for preprocessing the data and caching the preprocessed data in a data pool; a second receiving device for receiving custom process configuration information corresponding to one or more services in the data pool from a bank; and a first determining device for determining, based on the custom process configuration information, configuration parameters of multiple business process modules within the platform and / or switching between the multiple business process modules, wherein the business process modules correspond to sub-steps or sub-processes of the one or more services.

[0014] As a supplement or alternative to the above solution, in the above device, the first receiving device is configured to receive the data from the service provider via an open API.

[0015] As a supplement or replacement to the above solution, in the above device, the data includes rights data related to rights services and information related to the service provider.

[0016] As a supplement or replacement to the above solution, in the above equipment, the data pool maintenance device is configured to: verify the rights data and the service provider information; and after the verification is passed, determine the unified interface parameters between the platform and the service provider for a specific rights service and cache them.

[0017] As a supplement or replacement to the above solution, the unified interface parameters in the above device include payment certificate, public and private keys, status transition parameters, and reservation information parameters.

[0018] As a supplement or alternative to the above solution, the above device further includes: a second determining device for determining matching and distribution parameters; and an allocation device for allocating the one or more services based on the matching and distribution parameters.

[0019] As a supplement or replacement to the above solution, in the above device, the matching and issuing parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

[0020] As a supplement or replacement to the above solution, in the above device, the first determining device is configured to: determine the execution order of the plurality of business process modules according to the custom process configuration information.

[0021] As a supplement or replacement to the above solution, in the above device, the open API adopts a unified security standard and applies a unified gateway.

[0022] According to another aspect of the present invention, a computer storage medium is provided, the medium including instructions that, when executed, perform the method described above.

[0023] According to another aspect of the present invention, a computer program product is provided, comprising a computer program that, when executed by a processor, implements the method described above.

[0024] According to another aspect of the present invention, a server is provided, the server including the unified allocation and docking device as described above.

[0025] The platform-based unified allocation and docking scheme of the present invention receives service-related data from service providers, caches the pre-processed data, and parameterizes each business process module according to the custom process configuration information provided by the bank. This bridges the data docking between service providers and banks, solving the problems of inconsistent docking standards, difficult maintenance, high rate of redundant development, and prominent security issues in the prior art.

[0026] Moreover, the platform-based unified allocation and docking scheme of the embodiments of the present invention formulates a unified docking process, refers to a unified operation and maintenance standard, and implements a unified security specification, which breaks away from the traditional idea of ​​supplier access, development, joint debugging, service, and operation and maintenance, and realizes the platformization of the process.

[0027] In addition, the entire integration process is achieved through platform parameterized configuration, which has a significant effect on digital transformation and promoting the improvement of R&D intrinsic motivation. It achieves unified parameter configuration, improves user experience, reduces R&D human resources, shortens the requirement completion cycle, promotes the improvement of R&D intrinsic motivation, and achieves dynamic matching of rights and interests, unified connection of rights and interests, personalized use of rights and interests, and updated platform experience, thus helping to achieve the goal of digital-driven and guiding business growth. Attached Figure Description

[0028] The above and other objects and advantages of this application will become more fully clear from the following detailed description taken in conjunction with the accompanying drawings, wherein the same or similar elements are denoted by the same reference numerals.

[0029] Figure 1 A flowchart illustrating a platform-based unified allocation and docking method according to an embodiment of this application is shown; and Figure 2 A schematic diagram of a platform-based unified allocation and docking device according to an embodiment of this application is shown. Detailed Implementation

[0030] In the following description, although exemplary embodiments are described as using multiple units to perform exemplary processes, it should be understood that these exemplary processes may also be performed by one or more modules.

[0031] Furthermore, the control logic of the present invention can be contained as a non-transitory computer-readable medium on a computer-readable medium containing executable program instructions, which are implemented by a processor or the like. Examples of computer-readable media include, but are not limited to, ROM, RAM, optical discs, magnetic tapes, floppy disks, flash drives, smart cards, and optical data storage devices. The computer-readable recording medium can also be distributed across a networked computer system, enabling, for example, the computer-readable medium to be stored and implemented in a distributed manner.

[0032] Unless specifically mentioned or obvious from the context, the term “approximately” as used herein shall be understood as being within the range of normal tolerances in the art, such as within 2 standard deviations of the mean.

[0033] In the following, a platform-based unified allocation and docking scheme according to various exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[0034] Figure 1 A flowchart illustrating a platform-based unified allocation and docking method 1000 according to an embodiment of this application is shown. Figure 1 As shown, the method 1000 includes the following steps: In step S110, data related to one or more services provided by the service provider is received from the service provider; In step S120, the data is preprocessed and the preprocessed data is cached in the data pool; In step S130, custom process configuration information corresponding to one or more services in the data pool is received from the bank; and In step S140, based on the custom process configuration information, the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules are determined, wherein the business process module corresponds to a sub-step or sub-process of the one or more services.

[0035] In the context of this invention, the term "service provider" may also refer to a service provider, i.e., a supplier that provides related services to the bank. In one or more embodiments, the service provider is a rights service provider, which can provide the bank with various rights services (including online virtual rights and offline service rights), covering a wide range of topics such as health and medical care, business travel, education and development, lifestyle services, and entertainment.

[0036] In one embodiment, step S110 includes receiving the data from the service provider via a platform interface (e.g., an open API). API (Application Programming Interface) is not a new concept; it existed in the early days of computer operating systems. In the internet age, encapsulating a website's services into a series of easily recognizable data interfaces and making them available to third-party developers is called opening a website's API, and the corresponding open API is called an open API.

[0037] In one or more embodiments, the data includes rights data related to the rights service and information related to the service provider. For example, the service provider may publish relevant rights and interests for providing the service and supplier-related information through the platform.

[0038] In one embodiment, step S120 includes: verifying the rights data and the service provider information; and after verification, determining and caching unified interface parameters between the platform and the service provider for a specific rights service. In one or more embodiments, the unified interface parameters include payment certificates, public and private keys, state transition parameters, and reservation information parameters. For example, a rights service may have multiple states, such as: initial state, payment failure, payment success, reservation in progress, reservation completed, reservation expired, cancellation, service in progress, service completed, order completed, etc. Different types of rights services can be represented by transitions between the above different states. For example, the state transition of reservation services is: initial state – reservation in progress – reservation completed – service in progress – service completed – order completed. Other non-reservation services transition to the initial state – payment success – order completed. Therefore, different types of rights services can be distinguished by setting the corresponding state transition parameters. In one embodiment, a specific rights service is uniquely represented by a payment certificate (e.g., tag code), public and private keys, state transition parameters, and reservation information parameters.

[0039] Of course, those skilled in the art will understand that step S120 may also include format conversion of the rights data provided by the service provider in one or more embodiments in order to present it to the bank in a suitable manner.

[0040] In step S120, loading efficiency can be further improved by caching the preprocessed data into a data pool (which may come from different service providers).

[0041] although Figure 1 As not shown in the diagram, in one embodiment, the method 1000 described above may further include: determining matching and disbursement parameters; and allocating the one or more services based on the matching and disbursement parameters. In one or more embodiments, the matching and disbursement parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

[0042] The current matching and use of benefits revolves around the allocation and methods of benefits, without integrating with user tags, merchant information, credit scores, and other information. This prevents targeted efforts from reaching specific users. For example, benefits are allocated based on static tags such as the user's bank card level, card type, and the bank to which the card belongs, without combining them with user tags, credit scores, or merchant tags. This results in broad but untargeted benefit allocation, wasting resources and leading to the loss of valuable customers.

[0043] In the above embodiments, by introducing user tags, credit scores, and other elements into the matching and distribution parameters as rules for rights matching and distribution, it is helpful to screen out high-quality users, distribute high-end rights in a targeted manner, improve user stickiness, and enhance the user's experience in obtaining rights.

[0044] In one embodiment, bank card attribute tags include card level, card type, card-owning bank, card whitelist, card blacklist, card yellowlist, card BIN, and card product group. In one embodiment, user attribute tags include user location, user whitelist, user blacklist, mobile phone number whitelist, and real-name authentication. In one embodiment, merchant tags include merchant MCC, merchant amount, number of transactions, and payment channel. In one embodiment, credit scores may include score levels and score ranges. Of course, the tags and their contents shown above are merely examples of matching and issuing parameters and are not limitations. Those skilled in the art can set different tags as matching and issuing parameters according to actual needs.

[0045] In step S130, custom process configuration information corresponding to one or more services in the data pool is received from the bank. In one embodiment, step S130 may include: displaying one or more services in the data pool to the bank; and receiving custom process configuration information corresponding to one or more services from the bank. For example, services A, B, and C are displayed to a bank, and first custom process configuration information for service A and second custom process configuration information for service B are received from the bank. That is, the bank can select from the displayed services and customize them. Here, custom process configuration information refers to information on the custom configuration of a process for a certain service according to the bank's needs.

[0046] For example, the business implementation process for different types of benefits varies. For a typical airport transfer service, the process or sub-steps might involve booking, displaying the voucher code, and receiving a redemption notification. For medical services, it might involve selecting a relative, booking, authorization authentication, and supplier selection. Even for the same type of service, taking airport transfer as an example, the implementation process may differ; some require booking, while others do not; some require displaying the voucher code after booking, while others allow direct payment after booking. Therefore, customized services can be provided to banks by receiving custom process configuration information.

[0047] In step S140, configuration parameters of multiple business process modules within the platform and / or switching between the multiple business process modules are determined based on the custom process configuration information. In one embodiment, step S140 includes: determining the execution order of multiple business process modules within the platform based on the custom process configuration information, wherein the business process modules correspond to sub-steps or sub-processes of the one or more services.

[0048] In one embodiment, the platform is a digital dynamic rights and benefits platform, used to provide services to rights and benefits providers and banks. The platform may include multiple business process modules, each corresponding to a sub-step or sub-process. The division of business process modules can be achieved by extracting commonalities from the processes of different types of services. In one embodiment, the business process modules may include: a relative selection module, an appointment filling module, an authorization authentication module, a supplier module, a redemption notification module, a payment module, and a voucher code display module. Of course, these modules are merely examples and not limitations on the digital dynamic rights and benefits platform. Those skilled in the art will understand that the above platform can be modified (added / deleted) according to actual needs.

[0049] The configuration parameters for each business process module can be set according to requirements. For example, for the payment module, a payment method parameter can be set; when this parameter is "0", it indicates that the payment is made by the supplier, while when the parameter is "1", it indicates that the payment is made by UnionPay. As another example, for the authorization and authentication module, a redirect parameter can be set; when this parameter is "0", it indicates that no redirection is needed, while when the parameter is "1", it indicates that redirection to the authentication interface is required to meet data compliance requirements.

[0050] In one embodiment, the open API adopts a unified security standard and applies a unified gateway. Specifically, multiple service providers use the same set of security standards, including encryption / decryption, signature verification, unified token labeling, user verification, etc., and apply a unified gateway to intercept attacks and unauthorized user access. It can also be configured to handle high concurrency and traffic distribution, effectively ensuring the security of the unified allocation and integration solution based on the platform.

[0051] According to another aspect of this application, a computer-readable storage medium is provided, wherein instructions are stored that, when executed by a processor, cause the processor to perform any of the methods described above. The computer-readable medium referred to in this application includes various types of computer storage media, and can be any available medium accessible to a general-purpose or special-purpose computer. For example, a computer-readable medium may include RAM, ROM, EPROM, E... 2PROM, registers, hard disks, removable disks, CD-ROMs or other optical disc storage, magnetic disk storage or other magnetic storage devices, or any other temporary or non-temporary medium capable of carrying or storing desired program code units in the form of instructions or data structures and accessible by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. As used herein, disks typically magnetically copy data, while discs optically copy data using lasers. Combinations of the above should also be included within the scope of computer-readable media. An exemplary storage medium is coupled to a processor so that the processor can read and write information from / to the storage medium. In an alternative, the storage medium may be integrated into the processor. The processor and storage medium may reside in an ASIC. The ASIC may reside in a user terminal. In an alternative, the processor and storage medium may reside as discrete components in the user terminal.

[0052] Furthermore, those skilled in the art will readily understand that the platform-based unified allocation and docking method provided in one or more embodiments of the present invention can be implemented by a computer program. For example, the computer program is included in a computer program product, and when executed by a processor, it implements the platform-based unified allocation and docking method of one or more embodiments of the present invention. As another example, when a computer storage medium (e.g., a USB flash drive) containing the computer program is connected to a computer, running the computer program executes the platform-based unified allocation and docking method of one or more embodiments of the present invention.

[0053] Figure 2 A schematic diagram of a platform-based unified allocation docking device 2000 according to an embodiment of this application is shown. Figure 2 As shown, the platform-based unified allocation and docking device 2000 includes: a first receiving device 210, a data pool maintenance device 220, a second receiving device 230, and a first determining device 240. The first receiving device 210 receives data related to one or more services provided by a service provider; the data pool maintenance device 220 preprocesses the data and caches the preprocessed data in a data pool; the second receiving device 230 receives custom process configuration information corresponding to one or more services in the data pool from a bank; and the first determining device 240 determines the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules based on the custom process configuration information, wherein the business process module corresponds to a sub-step or sub-process of the one or more services.

[0054] In the context of this invention, the term "service provider" may also refer to a service provider, i.e., a supplier that provides related services to the bank. In one or more embodiments, the service provider is a rights service provider, which can provide the bank with various rights services (including online virtual rights and offline service rights), covering a wide range of topics such as health and medical care, business travel, education and development, lifestyle services, and entertainment.

[0055] In one embodiment, the first receiving device 210 is configured to receive the data from the service provider via a platform interface (e.g., an open API). API (Application Programming Interface) is not a new concept; it existed in the early days of computer operating systems. In the internet age, encapsulating a website's services into a series of easily recognizable data interfaces and making them available to third-party developers is called opening a website's API, and the corresponding open API is called an open API.

[0056] In other embodiments, the first receiving device 210 may be configured to receive service-related data from a service provider (e.g., its back-end server) via means other than a platform.

[0057] In one or more embodiments, the data includes rights data related to the rights service and information related to the service provider. For example, the service provider may publish relevant rights and interests for providing the service and supplier-related information through the platform.

[0058] In one embodiment, the data pool maintenance device 220 is configured to: verify the rights data and the service provider information; and, after successful verification, determine and cache unified interface parameters between the platform and the service provider for a specific rights service. For example, the data pool maintenance device 220 may include a verification unit and a parameter determination unit, wherein the verification unit is configured to verify the rights data and the service provider information; and the parameter determination unit is configured to, after successful verification by the verification unit, determine and cache unified interface parameters between the platform and the service provider for a specific rights service. In this way, the data pool maintenance device 220 can operate automatically without the need for R&D personnel, offering advantages such as reduced human resource investment, shortened development cycles, reduced errors, and improved user experience.

[0059] In one or more embodiments, the unified interface parameters include payment certificates, public and private keys, state transition parameters, and reservation information parameters. For example, a benefit service may have multiple usage states, such as: initial state, payment failure, payment success, reservation in progress, reservation completed, reservation expired, cancellation, service in progress, service completed, and order completed. Different types of benefit services can exhibit transitions between these different usage states during use. For example, the state transition for reservation services is: initial state – reservation in progress – reservation completed – service in progress – service completed – order completed. Other non-reservation services transition to: initial state – payment successful – order completed. Therefore, different types of benefit services can be distinguished by setting the corresponding state transition parameters. In one embodiment, a specific benefit service is uniquely identified by a payment certificate (e.g., tag code), public and private keys, state transition parameters, and reservation information parameters.

[0060] Of course, those skilled in the art will understand that the data pool maintenance device 220 may also include a conversion unit in one or more embodiments for converting the format of the rights data provided by the service provider so as to present it to the bank in a suitable manner.

[0061] In one embodiment, the data pool maintenance device 220 further improves loading efficiency by caching preprocessed data from multiple different service providers into a data pool. For example, the data pool uses a first-in, first-out (FIFO) caching method. Of course, those skilled in the art can also employ other caching strategies as needed.

[0062] although Figure 2 As not shown in the diagram, in one embodiment, the platform-based unified allocation and docking device 2000 described above may further include: a second determining device for determining matching and disbursement parameters; and an allocation device for allocating the one or more services based on the matching and disbursement parameters. In one or more embodiments, the matching and disbursement parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

[0063] The current matching and use of benefits revolves around the allocation and methods of benefits, without integrating with user tags, merchant information, credit scores, and other information. This prevents targeted efforts from reaching specific users. For example, benefits are allocated based on static tags such as the user's bank card level, card type, and the bank to which the card belongs, without combining them with user tags, credit scores, or merchant tags. This results in broad but untargeted benefit allocation, wasting resources and leading to the loss of valuable customers.

[0064] In the above embodiments, by introducing user tags, credit scores, and other elements into the matching and distribution parameters as rules for rights matching and distribution, it is helpful to screen out high-quality users, distribute high-end rights in a targeted manner, improve user stickiness, and enhance the user's experience in obtaining rights.

[0065] In one embodiment, bank card attribute tags include card level, card type, card-owning bank, card whitelist, card blacklist, card yellowlist, card BIN, and card product group. In one embodiment, user attribute tags include user location, user whitelist, user blacklist, mobile phone number whitelist, and real-name authentication. In one embodiment, merchant tags include merchant MCC, merchant amount, number of transactions, and payment channel. In one embodiment, credit scores may include score levels and score ranges. Of course, the tags and their contents shown above are merely examples of matching and issuing parameters and are not limitations. Those skilled in the art can set different tags as matching and issuing parameters according to actual needs.

[0066] The second receiving device 230 is configured to receive custom process configuration information corresponding to one or more services in the data pool from the bank. In one embodiment, the second receiving device 230 may be configured to: display one or more services in the data pool to the bank; and receive custom process configuration information corresponding to one or more services from the bank. For example, the second receiving device 230 displays services A, B, and C to a bank, and receives first custom process configuration information for service A and second custom process configuration information for service B from the bank. That is, the bank can select from the displayed services and customize them. Here, custom process configuration information refers to information on the customized configuration of the usage process of a certain service according to the bank's needs.

[0067] For example, the business implementation process for different types of benefits varies. For a typical airport transfer service, the process or sub-steps might involve booking, displaying the voucher code, and receiving a redemption notification. For medical services, it might involve selecting a relative, booking, authorization authentication, and supplier selection. Even for the same type of service, taking airport transfer as an example, the implementation process may differ; some require booking, while others do not; some require displaying the voucher code after booking, while others allow direct payment after booking. Therefore, customized services can be provided to banks by receiving custom process configuration information.

[0068] The first determining device 240 is used to determine the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules based on the custom process configuration information. In one embodiment, the first determining device 240 is configured to determine the execution order of multiple business process modules within the platform based on the custom process configuration information, wherein the business process modules correspond to the (usage) sub-steps or sub-processes of the one or more services.

[0069] In one embodiment, the platform is a digital dynamic rights and benefits platform, used to provide services to rights and benefits providers and banks. The platform may include multiple business process modules, each corresponding to a sub-step or sub-process. The division of business process modules can be achieved by extracting commonalities from the processes of different types of services. In one embodiment, the business process modules may include: a relative selection module, an appointment filling module, an authorization authentication module, a supplier module, a redemption notification module, a payment module, and a voucher code display module. Of course, these modules are merely examples and not limitations on the digital dynamic rights and benefits platform. Those skilled in the art will understand that the above platform can be modified (added / deleted) according to actual needs.

[0070] The configuration parameters for each business process module can be set according to requirements. For example, for the payment module, a payment method parameter can be set; when this parameter is "0", it indicates that the payment is made by the supplier, while when the parameter is "1", it indicates that the payment is made by UnionPay. As another example, for the authorization and authentication module, a redirect parameter can be set; when this parameter is "0", it indicates that no redirection is needed, while when the parameter is "1", it indicates that redirection to the authentication interface is required to meet data compliance requirements.

[0071] In one embodiment, the open API adopts a unified security standard and applies a unified gateway. Specifically, multiple service providers use the same set of security standards, including encryption / decryption, signature verification, unified token labeling, user verification, etc., and apply a unified gateway to intercept attacks and unauthorized user access. It can also be configured to handle high concurrency and traffic distribution, effectively ensuring the security of the unified allocation and integration solution based on the platform.

[0072] The aforementioned unified allocation and docking equipment 2000 can be implemented within the platform, for example, within a digital dynamic rights and benefits platform. This rights and benefits platform can access various rights and benefits services, enabling online processes for rights and benefits services, thereby providing rights and benefits content to commercial banks and assisting them in user management.

[0073] The digital dynamic rights and benefits platform offers different services to rights and benefits content providers and commercial banks. For example, for rights and benefits content providers, the platform provides rights and benefits inquiry, redemption, and order update notifications, thereby realizing the online processing of rights and benefits.

[0074] (1) Inquiry of benefits information: After determining the benefits of cooperation, the number of times and validity period of the benefit in the card can be queried according to the card number and benefit rule ID. For example, in the parking benefits, the supplier can query the number of times and validity period of the 1 yuan 48-hour airport parking benefit in a certain card according to the card number; (2) Rights and benefits redemption: After the rights and benefits have been used up, the number of times the rights and benefits have been redeemed on the card is based on the card number. For example, in parking rights and benefits, after a user purchases 48 hours of parking rights for 1 yuan, the supplier redeems the number of times the corresponding rights and benefits have been redeemed on the card based on the card number; (3) Order Update: In specific business scenarios, the order status is updated on the benefits platform based on the order notification. For example, in airport transfer benefits, when the cardholder arrives at the airport after using the service, the order status is updated to "service completed" on the benefits platform based on the order notification.

[0075] For commercial banks, this digital dynamic benefits platform provides benefits inquiry and helps banks complete personalized benefits display.

[0076] (1) Benefits List Inquiry: Inquire about the list of all available benefits in a specified region. For example, inquire about the list of all benefits offered in Shanghai, including one-yuan car wash, one-yuan chauffeur service, and one-yuan sports activities; (2) Benefits information query: Query the number of times and validity period of the benefit in the card according to the card number and benefit rule ID. For example, query the remaining number of times and validity period of the one-yuan car wash benefit in a certain card.

[0077] Taking high-speed rail VIP service as an example, in one embodiment, a user uses benefits on the benefits platform (e.g., to purchase a train ticket for 1 yuan) and submits an order; then the user completes the payment (e.g., 1 yuan); then, the benefits platform sends a voucher code request to the service provider, receives the voucher code from the service provider, and displays it to the user; next, the user goes offline to a service point (e.g., a train station) to redeem the voucher code and use the service; finally, the order usage status on the benefits platform is updated.

[0078] In one embodiment, the rights platform, encapsulated as a data interface, provides service providers and bank developers with API call services that adhere to unified standards and processes, including: (1) Interface process standardization: For various rights and benefits service scenarios, the rights and benefits platform extracts the core nodes in different rights and benefits processes and designs interfaces in a standard way to ensure the standardization of access; (2) Personalized business data: Based on standardized interfaces, reserved personalized fields and domains are used to enable the transmission of different fields in different rights and interests processes to meet different business needs; (3) Real-time and stable data interaction: Based on the electronic configuration and management of rights on the rights platform, the real-time and high concurrency of interaction among all parties are realized, improving the user experience of C-end users.

[0079] In one embodiment, the aforementioned unified allocation and docking device 2000 can be implemented in a server (e.g., a cloud server). A cloud server is also called a cloud computing server or cloud host. Cloud servers utilize cloud computing technology and integrate the three core elements of a data center: computing, networking, and storage. Based on cluster server technology, cloud servers virtualize multiple parts similar to independent servers, offering high security and stability. Because cloud servers have anti-ARP attack and MAC spoofing capabilities, they can perform snapshot backups, ensuring data is permanently preserved. Furthermore, cloud servers are more reliable than traditional physical servers because they are based on server clusters, thus providing high hardware redundancy and significantly reducing the failure rate. Cloud servers also have automatic failover capabilities; if one cloud server fails, applications on it will automatically migrate to other cloud servers, ensuring continued business operation. In addition, cloud servers can perform snapshot backups, allowing for one-click restoration of all data prior to the failure when a host fails.

[0080] In summary, the platform-based unified allocation and docking scheme of the present invention receives service-related data from service providers, caches the pre-processed data, and parameterizes each business process module according to the custom process configuration information provided by the bank. This bridges the data docking gap between service providers and banks, solving the problems of inconsistent docking standards, difficult maintenance, high rate of redundant development, and prominent security issues in the prior art.

[0081] Moreover, the platform-based unified allocation and docking scheme of the embodiments of the present invention formulates a unified docking process, refers to a unified operation and maintenance standard, and implements a unified security specification, which breaks away from the traditional idea of ​​supplier access, development, joint debugging, service, and operation and maintenance, and realizes the platformization of the process.

[0082] In addition, the entire integration process is achieved through platform parameterized configuration, which has a significant effect on digital transformation and promoting the improvement of R&D intrinsic motivation. It achieves unified parameter configuration, improves user experience, reduces R&D human resources, shortens the requirement completion cycle, promotes the improvement of R&D intrinsic motivation, and achieves dynamic matching of rights and interests, unified connection of rights and interests, personalized use of rights and interests, and updated platform experience, thus helping to achieve the goal of digital-driven and guiding business growth.

[0083] The above are merely specific embodiments of this application, but the scope of protection of this application is not limited thereto. Those skilled in the art can conceive of other feasible variations or substitutions based on the technical scope disclosed in this application, and such variations or substitutions are all covered within the scope of protection of this application. Where there is no conflict, the embodiments and features described in the embodiments of this application can also be combined with each other. The scope of protection of this application is determined by the claims.

Claims

1. A platform-based unified allocation and docking method, characterized in that, The method includes: Receive data from the service provider related to one or more services provided by the service provider, the data including rights data related to rights services and information related to the service provider; The data is preprocessed, and the preprocessed data is cached in the data pool; Receive custom process configuration information from the bank corresponding to one or more services in the data pool; and Based on the custom process configuration information, determine the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules, where each business process module corresponds to a sub-step or sub-process of one or more services. The process of preprocessing the data and caching the preprocessed data in the data pool includes: Verify the rights data and the service provider information; and After verification, for specific rights and services, the unified interface parameters between the platform and the service provider are determined and cached.

2. The method as described in claim 1, wherein, Receiving data from a service provider related to one or more services provided by the service provider includes: The data is received from the service provider via an open API.

3. The method as described in claim 1, wherein, The unified interface parameters include payment certificate, public and private keys, status transition parameters, and reservation information parameters.

4. The method of claim 1, further comprising: Determine the matching and distribution parameters; as well as The one or more services are allocated based on the matching and distribution parameters.

5. The method of claim 4, wherein, The matching and issuing parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

6. The method of claim 1, wherein, Based on the custom process configuration information, determining the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules includes: Based on the custom process configuration information, the execution order of the multiple business process modules is determined.

7. The method of claim 2, wherein, The open API adopts a unified security standard and uses a unified gateway.

8. A platform-based unified allocation and docking device, characterized in that, The device includes: A first receiving device is configured to receive data related to one or more services provided by a service provider from a service provider, the data including rights data related to rights services and information related to the service provider; A data pool maintenance device is used to preprocess the data and cache the preprocessed data in the data pool; The second receiving device is configured to receive from the bank custom process configuration information corresponding to one or more services in the data pool; and A first determining device is configured to determine, based on the customized process configuration information, the configuration parameters of multiple business process modules within the platform and / or the switching between the multiple business process modules, wherein the business process module corresponds to a sub-step or sub-process of the one or more services. The data pool maintenance device is configured as follows: Verify the rights data and the service provider information; and After verification, for specific rights and services, the unified interface parameters between the platform and the service provider are determined and cached.

9. The device as claimed in claim 8, wherein, The first receiving device is configured to receive the data from the service provider via an open API.

10. The device as claimed in claim 8, wherein, The unified interface parameters include payment certificate, public and private keys, status transition parameters, and reservation information parameters.

11. The apparatus of claim 8, further comprising: The second determining device is used to determine the matching and dispensing parameters; as well as An allocation device for allocating one or more services based on the matching and allocation parameters.

12. The device as claimed in claim 11, wherein, The matching and issuing parameters include bank card attribute tags, user attribute tags, merchant tags, and credit scores.

13. The device as claimed in claim 8, wherein, The first determining device is configured to: Based on the custom process configuration information, the execution order of the multiple business process modules is determined.

14. The device as claimed in claim 9, wherein, The open API adopts a unified security standard and uses a unified gateway.

15. A computer storage medium, characterized in that, The medium includes instructions that, when executed, perform the method as described in any one of claims 1 to 7.

16. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the method as described in any one of claims 1 to 7.

17. A server, characterized in that, The server includes the unified allocation and docking device as described in any one of claims 8 to 14.

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