Business processing method and apparatus

Abstract

Embodiments of the present specification provide a business processing method and device, wherein a business processing method comprises: obtaining a participation request submitted by a user whose target business access fails; determining a business demand degree of the user for the target business, and finding a business associated object of the user for the business demand degree; creating a contract sample and sending it to the associated object to respond to the participation request; generating a target contract with the business associated object and the user as contract signers according to association action data submitted by the associated object for the contract sample; and performing participation processing of the user participating in the target business based on the target contract.

Description

[0001] This application is a divisional application of Chinese invention patent application filed on October 22, 2020, with application number CN202011138108.9 and title “Business Processing Method and Apparatus”. Technical Field

[0002] This document relates to the field of data processing technology, and in particular to a business processing method and apparatus. Background Technology

[0003] With the development of internet technology, online transactions are becoming increasingly diverse, and various credit services are emerging. For example, users can apply for loans, rent cars, or rent items based on their credit. During the rental process, users only need to meet the rental privileges granted by their current credit to rent the items they need. At the same time, credit platforms are increasingly emphasizing user credit, and the establishment and improvement of the credit system are ongoing. Summary of the Invention

[0004] This specification provides one or more embodiments of a business processing method. The business processing method includes: obtaining a participation request submitted by a user whose access to a target business has failed; determining the user's business need level for the target business and finding a business-related object associated with the user's business need level; creating a contract sample and sending it to the associated object in response to the participation request; generating a target contract with the business-related object and the user as contract signatories based on the associated action data submitted by the associated object in response to the contract sample; and performing participation processing for the user's participation in the target business based on the target contract.

[0005] This specification provides one or more embodiments of a business processing apparatus, comprising: an acquisition module configured to acquire a participation request submitted by a user whose access to a target business has failed; a determination module configured to determine the user's business demand level for the target business and locate a business-related object for the user's business demand level; a creation module configured to create a contract sample and send it to the associated object in response to the participation request; a generation module configured to generate a target contract based on the association action data submitted by the associated object for the contract sample, with the business-related object and the user as contract signatories; and a processing module configured to perform participation processing for the user's participation in the target business based on the target contract.

[0006] This specification provides one or more embodiments of a target service processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: acquire a participation request submitted by a user whose access to the target service has failed; determine the user's service demand level for the target service and locate a service-related object for the user's service demand level; create a contract sample and send it to the related object in response to the participation request; generate a target contract with the service-related object and the user as contract signatories based on the association action data submitted by the related object for the contract sample; and perform participation processing for the user's participation in the target service based on the target contract.

[0007] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed, implement the following process: Obtaining a participation request submitted by a user whose access to a target service has failed. Determining the user's service demand level for the target service and finding a service-related object associated with the user's service demand level. Creating a contract sample and sending it to the associated object in response to the participation request. Generating a target contract with the service-related object and the user as contract signatories based on the associated action data submitted by the associated object in response to the contract sample. Performing participation processing for the user's participation in the target service based on the target contract. Attached Figure Description

[0008] To more clearly illustrate the technical solutions in one or more embodiments of this specification or in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0009] Figure 1 A flowchart illustrating a business processing method provided in one or more embodiments of this specification;

[0010] Figure 2 A flowchart illustrating a business processing method applied to a first business scenario, provided for one or more embodiments of this specification;

[0011] Figure 3 A flowchart illustrating a business processing method applied to a second business scenario, provided for one or more embodiments of this specification;

[0012] Figure 4 A flowchart illustrating a business processing method applied to a third business scenario, provided for one or more embodiments of this specification;

[0013] Figure 5 A schematic diagram of a business processing apparatus provided for one or more embodiments of this specification;

[0014] Figure 6 This is a schematic diagram of the structure of a service processing device provided for one or more embodiments of this specification. Detailed Implementation

[0015] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the figures. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0016] This specification provides an example of a business processing method:

[0017] Reference Figure 1 It shows a flowchart of a business processing method provided in this embodiment, with reference to... Figure 2 It shows a flowchart of a business processing method applied to a first business scenario provided in this embodiment, with reference to... Figure 3 It shows a flowchart of a business processing method applied to a second business scenario provided in this embodiment, with reference to... Figure 4 This embodiment illustrates a process flow chart of a business processing method applied to a third business scenario.

[0018] Reference Figure 1 The business processing method provided in this embodiment specifically includes the following steps S102 to S110.

[0019] Step S102: Obtain the participation requests submitted by users whose access to the target business failed.

[0020] In practical applications, when users participate in credit services, it is often necessary to conduct a business access assessment. For example, in credit services, after receiving a user's participation request, a business access assessment is usually conducted. Only if the user's business access assessment result is approved can the user participate. If the user's business access assessment result is not approved, the user is not allowed to participate. In this case, users who are not allowed to participate often get lost.

[0021] This embodiment provides a business processing method. First, it obtains the participation request submitted by a user whose access control process for the target business has failed (not allowed). Then, it further determines the user's business need for the target business. Based on different levels of business need, it recommends association methods for the user to participate in the target business by associating with other parties. Then, it signs a contract with the business association object according to the association method selected by the user. Finally, it processes the user's participation in the target business based on the contract. That is, it opens the user's access to the target business with the guarantee provided by other business association objects, thereby improving the user's business participation experience and avoiding user churn.

[0022] The target service described in this embodiment refers to the service currently undergoing access control processing, that is, the service where a user's application to participate has failed. In specific implementation, the user is first subjected to access control processing. If the access control processing result is access failure, the user (i.e., the access-failed user) fails to participate for the first time. Correspondingly, the participation request submitted by the access-failed user is a second participation request.

[0023] After a user fails to gain access to a target service, the user is granted access by having another party provide a guarantee. This allows the user to participate in the failed service and complete the necessary processing. Here, the other party providing the guarantee is referred to as a business affiliate, such as a merchant with whom the user has a history of fulfilling obligations or a related user with a specific relationship (e.g., a friend or relative). In practical application, the business affiliate uses a contract to guarantee the user's access using their credit, enabling the user to participate in the target service guaranteed by the affiliate.

[0024] In practice, before obtaining the participation request submitted by a user who failed to gain access to the target business, it is necessary to determine whether the user meets the access conditions of the target business. If the user meets the conditions, the user is designated as a second user. For these users designated as second users, corresponding guarantees can be proactively provided to other users who failed to gain access, so that users who failed to gain access can also participate in the target business. If the conditions are not met, the user is designated as a user who failed to gain access to the business, and the step of obtaining the participation request submitted by a user who failed to gain access to the target business is executed.

[0025] Step S104: Determine the user's business demand level for the target business, and find the business-related objects associated with the user's business demand level.

[0026] In practical implementation, to make the determination of business demand more effective and improve the user experience while controlling risks, this embodiment provides an optional implementation method in which the business demand is determined in the following way:

[0027] Obtain the business access rating obtained by the user after conducting a business access assessment, as well as the attribute information of the target business;

[0028] Based on the business access rating and the attribute information, the user's business demand for the target business is determined.

[0029] For example, User A submits a request to participate in the deposit-free car rental service. A business eligibility assessment reveals that User A's eligibility rating does not meet the requirements for participating in the deposit-free car rental service. To avoid User A complaining or directly abandoning the service, further screening can be conducted. First, User A's eligibility rating and the type of deposit-free car rental service must be checked. Based on these two factors, User A's demand for the deposit-free car rental service can be determined. Alternatively, either User A's eligibility rating or the type of deposit-free car rental service can be used to determine User A's demand for the service.

[0030] In addition to the above-mentioned method of combining business access rating and attribute information to determine business demand, business demand can also be determined by either business access rating or attribute information.

[0031] The "business demand level" refers to the degree of a user's demand for a business, determined by both the user's credit and the type of business; in other words, the user's willingness to participate in the business. In this embodiment, the business demand level includes three levels: a first level, a second level, and / or a third level. The first level represents a strong demand, the second level represents a moderate demand, and the third level represents no demand at all.

[0032] The following sections describe the process of determining the first, second, and third business needs, as well as the process of finding the business-related objects of the user at these three levels of business needs.

[0033] (1) First business demand

[0034] Under the first business demand level, the process of determining the user's first business demand level for the target business and finding the business-related objects of the user for the first business demand level is specifically implemented as follows:

[0035] Search for historical performance objects containing the user's performance records in the user's historical business interaction objects;

[0036] Filter historical performance objects that meet preset conditions from the retrieved historical performance objects, and use the historical performance objects as the business association objects for the user's first business requirement.

[0037] Specifically, in order to more quickly and accurately identify a historical fulfillment object as the user's business-related object from among multiple historical fulfillment objects, a preset condition is set. This preset condition is used to filter out historical fulfillment objects that meet the preset condition. The preset condition can be the historical fulfillment object with the smallest time span between the fulfillment time and the current time or the historical fulfillment object with the most fulfillment times of the user. There are no restrictions on this.

[0038] Based on this, users can subsequently gain access to the target business by utilizing guarantees from other parties. This allows users to effectively participate in the target business and perform corresponding business processing under the guarantee of other parties, further expanding the user base of the target business and avoiding user complaints or direct abandonment of the target business.

[0039] For example, in the case of a deposit-free car rental service, if User A applies to participate but is deemed a failed applicant, based on User A's business access rating and the type of the deposit-free car rental service, User A's business demand for the deposit-free car rental service is determined to be the highest level of demand with a strong willingness to participate. In this case, the historical transaction records of User A are searched for historical transaction partners with whom User A has had successful transactions. If User A has had successful transactions with the credit lending service provider for the credit lending service and the power bank rental service provider for the power bank rental service, the credit lending service provider with the shortest time span between the current transaction and the transaction date is identified as User A's business partner, or the power bank rental service provider with the most transactions by User A is identified as User A's business partner. This reduces the customer complaint rate while controlling risk.

[0040] In practical applications, there are often situations where users have limited business data, resulting in the inability to find historical performance records for the user and thus making it impossible to establish a relationship with the user. To avoid user churn and complaints caused by the above situation, this embodiment can also associate users who fail to gain access with users who meet specific conditions, such as users with high credit or users who are eligible for access to the target business, so that users who fail to gain access can also participate in the target business.

[0041] In the process of querying a user's historical fulfillment objects, if the business demand degree is determined to be the first business demand degree and no historical fulfillment objects of the user are found, in an optional implementation of this embodiment, during the process of associating a user with a user who meets specific conditions, a reminder to invite a target user as the business association object should be sent to the user; correspondingly, in the process of finding the user's business association object for the business demand degree, firstly, based on the reminder, the target user submitted by the user is obtained; then, the target user is used as the user's business association object for the first business demand degree.

[0042] Specifically, when a user receives a notification, they need to select a user from their user list who meets specific conditions as their business association target. Since the user list contains both users who meet and do not meet the specific conditions, the user cannot intuitively and correctly select the user who meets the conditions for association. To improve the user experience, facilitate the user's identification of the target user, further improve efficiency, and enable the user to obtain business permissions more quickly, this embodiment provides an optional implementation where, after sending the notification to the user, the following operation is performed:

[0043] The user's entry into the user's user list was detected;

[0044] Determine whether the users in the user list are authorized users for the target business;

[0045] If so, display the access identifier on the user's identifier.

[0046] For example, in the case of a deposit-free car rental service, after User A applies to participate, they are identified as a failed applicant. Based on User A's business access rating and the business type of the deposit-free car rental service, User A's business demand for the deposit-free car rental service is determined to be the highest level of business demand with a strong willingness to participate. If no historical service recipients are found for User A, a reminder is sent to User A to invite qualified users of the deposit-free car rental service from the user list as business association objects. When it is detected that User A has received the reminder and entered their user list, it is determined whether the users in User A's user list are qualified users. An access icon is displayed on the qualified user's icon in the user list. User A can then select target users associated with them from the qualified users as their business association objects based on their own factors.

[0047] In addition, under the first business demand level, users can directly submit target users as guarantors without checking whether the user has a history of fulfilling obligations. Specifically, when the business demand level is determined to be the first business demand level, a reminder inviting target users as business-related objects is sent to the user; correspondingly, in the process of finding the user's business-related objects for the first business demand level, the target user submitted by the user is obtained in response to the reminder; and the target user is used as the user's business-related object for the first business demand level.

[0048] (2) Second business demand

[0049] Under the second level of business demand, the process of determining the user's second level of business demand for the target business and finding the business-related objects associated with the user's second level of business demand is specifically implemented as follows:

[0050] Search for historical performance objects containing the user's performance records in the user's historical business interaction objects;

[0051] Filter historical fulfillment objects that meet preset conditions from the retrieved historical fulfillment objects, and use the historical fulfillment objects as the business association objects of the user for the second business requirement.

[0052] Specifically, in order to more quickly and accurately identify a historical fulfillment object as the user's business-related object from among multiple historical fulfillment objects, a preset condition is set. This preset condition is used to filter out historical fulfillment objects that meet the preset condition. The preset condition can be the historical fulfillment object with the smallest time span between the fulfillment time and the current time or the historical fulfillment object with the most fulfillment times of the user. There are no restrictions on this.

[0053] Based on this, users can subsequently gain access to the target business by utilizing guarantees from other parties. This allows users to effectively participate in the target business and perform corresponding business processing under the guarantee of other parties, further expanding the user base of the target business and avoiding user complaints or direct abandonment of the target business.

[0054] For example, if User B, whose access was denied, submits a request to participate in the deposit-free cycling service, based on User B's service access rating and the service type of the deposit-free cycling service, User B's service demand level for the deposit-free cycling service is determined to be a moderate level. In this case, the historical service interaction records of User B are searched for historical service partners with whom User B has had successful service. If User B has had successful service with the credit lending service provider and the power bank rental service provider, the credit lending service provider with the shortest time span between the current time and the current time is identified as User B's service partner, or the power bank rental service provider with the most successful service is identified as User B's service partner. This improves the user experience while controlling risk.

[0055] (3) Demand for the third business

[0056] For users whose target business is the third business requirement, that is, users who have no need for the target business, no action needs to be taken if the user is a failed admission user. In addition, in specific implementation, failed admission users can be informed about the target business through invitation or recommendation by admitted users, and participate in the target business by signing a contract with admitted users, thereby increasing the participation of failed admission users in the target business.

[0057] Specifically, for users who failed to gain access due to a third-party service requirement, they can be invited to participate in the target service by other users who meet specific conditions; in one optional implementation of this embodiment, the invitation is made in the following way:

[0058] Obtain the association request submitted by the second user for the associated user;

[0059] Based on the contract sample, a second contract is signed with the second user and the associated user as contract signatories;

[0060] Based on the second contract, the user permissions of the second user are shared, so that the associated user can obtain the user permissions of the second user, or, the second business to which the associated application belongs is executed.

[0061] In this process, before executing the participation request submitted by the user who failed to gain access to the target service, the user is determined to be either an inviter or an invitee by judging whether the user is an access user of the target service. Specifically, in an optional implementation of this embodiment, it is determined whether the user meets the access conditions of the target service. If yes, the user who meets the access conditions is determined as the second user; if no, the user who does not meet the access conditions is determined as the user who failed to gain access to the target service, and the step of obtaining the participation request submitted by the user who failed to gain access to the target service is executed.

[0062] For example, in the process of user C applying to guarantee associated user D so that associated user D can use the standby fund service, the process first determines whether user C meets the eligibility criteria for the standby fund service. If not, the process determines user C's business need level for the standby fund service. If it is the first or second business need level, a contract is signed according to the corresponding method mentioned above. If it is the third business need level, no action is taken for user C. If user C meets the eligibility criteria for the standby fund service and is an eligible user, user C can initiate an association request to guarantee associated user D as a second user. In this case, associated user D is an unqualified user for the standby fund service. According to the contract sample, a second contract is signed by user C and associated user D as contract signatories. After signing the contract, user C can share their business permissions with associated user D, enabling associated user D to participate in the standby fund service and even more credit services. This increases the awareness of the target service among unqualified users and further increases the number of users of the target service.

[0063] Step S106: Create a contract sample and send it to the associated object in response to the participation request.

[0064] The aforementioned contract refers to a consensus reached by two or more parties on the use of a certain business based on credit, defining their "rights," "responsibilities," and "benefits." Each party that reaches a consensus retains a copy of the consensus data. For example, a business-related entity and a user may reach a consensus on renting a vehicle based on credit; a user and a business-related entity may reach a consensus on sharing permissions for participating in the vehicle rental business under credit constraints; or a user and a business-related entity may reach a consensus on renting items with credit as a guarantee.

[0065] If the contract template has already been signed by one party, the other party is invited to sign the contract template. The other party invited to sign the contract template is the associated object.

[0066] The following details the process of creating a contract sample and sending it to the associated object in response to the participation request under the first business demand level and the second business demand level, respectively.

[0067] (1) First business demand

[0068] Under the first business demand level, a contract sample is created and sent to the associated object in response to the participation request, specifically implemented as follows:

[0069] Create a contract sample for the target business based on the contract template;

[0070] The contract sample written into the historical performance object will be sent to the user.

[0071] Following the previous example, after querying, the credit lending service provider is identified as the business associated object of user A who failed to gain access. A contract sample for deposit-free car rental is created based on the contract template, and the authorized credit lending service provider is written into the contract sample. The contract sample will only take effect after being confirmed by both parties. Here, the contract sample is sent to user A.

[0072] The above is a sample contract created only for the target business. In practical applications, users may participate in multiple credit businesses in a short period of time. To improve the user experience of credit businesses, this embodiment provides an optional implementation method that creates a contract sample in which the business-related object provides guarantees for the user multiple times in the time and business scope dimensions, thereby improving the ease of use for the user. The specific implementation method is as follows:

[0073] Create a contract sample based on the contract template;

[0074] Send the contract sample written into the historical performance object to the user;

[0075] The contract configuration of the contract sample includes the effective association scope, effective period and / or effective number of times.

[0076] Continuing with the example of deposit-free car rental, after investigation, the credit lending service provider is identified as the business association of user A, whose access was denied. A contract sample is created based on the contract template, and the authorized credit lending service provider is written into the contract sample. The contract sample will only take effect after confirmation by both parties. Here, the contract sample is sent to user A. The contract configuration of the contract sample includes the effective association scope, effective period, and effective number of times. That is, the contract specifies which credit services user A can participate in after confirming the contract, and also specifies the usage period of these credit services by user A, such as from June of xx year to September of xx year. Within this time range, user A's request to participate in the credit services included in the contract is approved. In addition, it can also include the number of times user A can participate in credit services within the contract period. For example, if the contract stipulates that user A can only participate in the effective association scope 10 times within the effective period, then if user A has already used it 10 times, even though it is still within the effective period of the contract, user A cannot continue to participate in credit services within the effective association scope. This is to control risk and avoid the risk caused by user A participating in credit services for a long time or multiple times under the current credit rating.

[0077] Under the first business requirement level, to avoid users being unable to obtain historical fulfillment objects for association due to the lack of search results, users can also use their submitted target users as business association objects. The specific implementation method is as follows:

[0078] Create a contract sample for the target business based on the contract template;

[0079] The contract sample written to the user will be sent to the target user;

[0080] For example, for the deposit-free car rental service, user A, who failed to be admitted, selects target user E as the associated object from the admitted users in the user list, creates a contract sample for the deposit-free car rental service according to the contract template, and writes user A into the contract sample. The contract sample can only take effect after being confirmed by both parties. Here, the contract sample is sent to target user E.

[0081] In practical applications, users may participate in multiple credit transactions within a short period. To improve the user experience of credit transactions, this embodiment provides an optional implementation method that creates contract samples that can provide guarantees for users multiple times in terms of time and business scope, thereby improving ease of use for users. The specific implementation method is as follows:

[0082] Create a contract sample based on the contract template;

[0083] The contract sample written to the user will be sent to the target user;

[0084] For example, for deposit-free car rental services, the target user E submitted by user A (who failed the initial screening) is used as the business association object. A contract sample is created based on the contract template, and user A is written into the contract sample. The contract sample only becomes effective after confirmation by both parties. Here, the contract sample is sent to the target user E. The contract configuration of the contract sample includes the effective association scope, effective period, and effective number of times. That is, the contract specifies which credit services user A can participate in after confirming the contract, and also specifies the usage period of these credit services by user A, such as from June of xx year to September of xx year. Within this time range, user A's request to participate in the credit services included in the contract is approved. In addition, it can also include the number of times user A can participate in credit services within the contract period. For example, if the contract stipulates that user A can only use the effective association scope 10 times within the effective period, then if user A has already used it 10 times, even though it is still within the effective period of the contract, user A cannot continue to participate in credit services within the effective association scope. This is to control risk and avoid the risk caused by user A using credit services for a long time or multiple times under the current credit rating.

[0085] (2) Second business demand

[0086] Under the second business demand level, users also gain the right to participate in the target business by establishing an association with historical fulfilling merchants. Specifically, a contract sample is created and sent to the associated object in response to the participation request, which is implemented in the following way:

[0087] Create a contract sample for the target business based on the contract template;

[0088] The contract sample written to the user will be sent to the target user;

[0089] A contract sample for the target business is created based on the contract template, and the contract sample written to the historical performance object is sent to the user.

[0090] For example, if user B, whose application for access was rejected, applies to participate in the deposit-free cycling service, after investigation, the credit lending service provider is identified as the business associated object of user B. A contract sample for the deposit-free cycling service is created based on the contract template, and the authorized credit lending service provider is written into the contract sample. The contract sample will only take effect after being confirmed by both parties. Here, the contract sample is sent to user B.

[0091] To improve user convenience, under the second business requirement, this embodiment provides an optional implementation method in which the contract sample is created in the following way:

[0092] Create a contract sample based on the contract template;

[0093] Send the contract sample written into the historical performance object to the user;

[0094] The contract configuration of the contract sample includes the effective association scope, effective period and / or effective number of times.

[0095] For example, if User B, whose application for access was rejected, applies to participate in a deposit-free bike-sharing service, after investigation, the credit-based book lending service provider is identified as User B's business associate. A contract sample is created based on the contract template. The contract sample only becomes effective after confirmation by both parties. Here, the contract sample is sent to User B. The contract configuration of the sample includes the effective association scope, validity period, and number of valid applications. That is, the contract specifies which credit services User B can participate in after confirming the contract, and also specifies the usage period for these credit services, such as from June of a certain year to September of a certain year. Within this time frame, User B's request to participate in the credit services included in the contract is approved. Alternatively, it may include the number of times User B can participate in the credit services. For example, if the contract stipulates that User B can only use the effective association scope 10 times, then the contract will be terminated if User B has already used it 10 times. This is to control risk and avoid the risk caused by User B using credit services for a long time or multiple times under the current credit rating.

[0096] Step S108: Based on the associated action data submitted by the associated object for the contract sample, generate a target contract with the business associated object and the user as the contract signatories.

[0097] The associated action data refers to the supplementary and confirmation operations of the contract template when the associated object agrees to the content in the contract template.

[0098] The following describes in detail the process of generating a target contract with the business-related object and the user as the contract signatories based on the related action data submitted by the associated object for the contract sample under the first business demand level and the second business demand level, respectively.

[0099] (1) First business demand

[0100] Under the first business requirement level, the process of generating a target contract with the business-related object and the user as the contract signatories, based on the related action data submitted by the related object for the contract sample, is specifically implemented in the following way:

[0101] Obtain the user's associated action data with the contract sample;

[0102] Based on the associated action data, the target contract is generated by writing the user into the contract sample, and the resources in the user's resource space are frozen according to the access target amount of the target business.

[0103] For example, if user A, who failed the initial screening, requests to participate in the deposit-free car rental service, the system retrieves user A's signing action based on the contract sample already written into the credit lending service provider's contract sample. Based on user A's signing action, user A is also written into the contract sample. At this point, the contract sample becomes effective after confirmation by both the credit lending service provider and user A, generating the target contract. Furthermore, in accordance with the entry requirements for the deposit-free car rental service, funds in user A's financial account or credit score in their credit account are frozen to urge user A to fulfill the performance terms recorded in the target contract.

[0104] In practical applications, to avoid user churn and complaints due to a lack of business data, users can be associated with target users. In this case, the process of generating a target contract with the business association object and the user as contract signatories, based on the association action data submitted by the associated object in response to the contract sample, is specifically implemented in the following way:

[0105] Obtain the target user's associated action data with the contract sample;

[0106] Based on the associated action data, the target contract is generated by writing the target user into the contract sample, and the resources in the user's resource space are frozen according to the access target amount of the target business.

[0107] For example, if user A, who failed the initial screening, requests to participate in the deposit-free car rental service, a contract sample containing user A's contract is sent to the target user E. The system then obtains the signing action submitted by target user E to the contract sample. Based on this action, target user E is also written into the contract sample. At this point, the contract sample becomes effective after confirmation by both user A and target user E, generating the target contract. Furthermore, in accordance with the admission criteria for the deposit-free car rental service, funds in user A's financial account or credit score in their credit account are frozen to urge user A to fulfill the performance terms recorded in the target contract.

[0108] (2) Second business demand

[0109] Under the second business demand level, the process of generating a target contract with the business-related object and the user as contract signatories, based on the associated action data submitted by the associated object for the contract sample, is specifically implemented in the following way:

[0110] Obtain the user's associated action data with the contract sample;

[0111] Based on the associated action data, the target contract is generated by writing the user into the contract sample.

[0112] For example, if user B, whose application was rejected, requests to participate in the deposit-free bike-sharing service, the system retrieves the signing action submitted by user B in relation to the contract sample already written into the credit lending service provider's contract sample. Based on user B's signing action, user B is also written into the contract sample. At this point, the contract sample becomes effective after being confirmed by both the credit lending service provider and user B, generating the target contract. Under the second level of business demand, a signing method with a lighter process compared to the first level of business demand is adopted to improve the user's credit experience.

[0113] Step S110: Based on the target contract, perform the user participation processing for the target business.

[0114] The aforementioned business processing refers to granting the guaranteed party the right to participate in the target business, provided that both the guarantor and the guaranteed party agree to the contract.

[0115] To grant users access to the target business, the permissions of the business-related objects in the business dimension to which the target business belongs are shared with the user, thus granting the user access to the target business. Based on the shared permissions granted to the user, access control for the target business is performed.

[0116] To further manage the user's performance on the target contract, this embodiment provides an optional implementation method that determines whether the user has fulfilled their obligations through the following means:

[0117] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0118] If not, the default shall be handled in accordance with the default clauses recorded in the target contract, and / or the business overdue shall be handled based on the business overdue agreement of the target business.

[0119] In addition, other disciplinary measures can be implemented, such as platform-wide breach of contract handling.

[0120] The following details the process of handling user participation in the target business and monitoring user performance based on the contract under the first, second, and third business demand levels.

[0121] (1) First business demand

[0122] For cases involving primary business needs and association with historical fulfillment entities, the generated target contracts are of two types: one is a target contract created specifically for the target business, and the other is a target contract that includes a valid association scope. The following sections will provide specific explanations of the process for user participation in the target business based on these two types of target contracts.

[0123] When the target contract is for a specific business, in order to enable users to participate in the target business, participation processing for user participation in the target business is performed based on the target contract, specifically as follows:

[0124] Based on the target contract, the business permissions of the historical fulfillment objects are shared, so that the user can obtain the business permissions of the historical fulfillment objects for the target business.

[0125] Based on the business permissions obtained by the user, the user is granted access to the target business.

[0126] For example, if user A, whose access was initially denied, requests to participate in the deposit-free car rental service, a target contract for the deposit-free car rental service has been generated with user A and the credit lending service provider as the contract signatories. According to this target contract, the credit lending service provider's business permissions are shared, enabling user A to obtain the credit lending service provider's business permissions for the deposit-free car rental service. Once user A has obtained the business permissions for the deposit-free car rental service, access processing is performed on user A, allowing user A to participate in the deposit-free car rental service while controlling risks.

[0127] If the target contract includes a valid associated scope, the user's participation in the target business is processed based on the target contract, specifically as follows:

[0128] Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period;

[0129] If yes, based on the target contract, the business permissions of the historical fulfillment object are shared, so that the user can obtain the business permissions of the historical fulfillment object, and based on the business permissions obtained by the user, the user is granted access to the target business; if no, access is denied.

[0130] And / or,

[0131] Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions;

[0132] If so, based on the target contract, the business permissions of the historical fulfillment object are shared, so that the user can obtain the business permissions of the historical fulfillment object, and based on the business permissions obtained by the user, the user is granted access to the target business; otherwise, access is denied.

[0133] For example, if user A, whose access was initially denied, requests to participate in a deposit-free car rental service, and a target contract has been generated with user A and the credit lending service provider as contract signatories, including the scope and validity period of the valid association or the number of valid attempts, then based on this target contract, it is determined whether user A's request to participate in the deposit-free car rental service is within the scope of the valid association, and whether user A's submission time for the deposit-free car rental service is within the validity period. In addition, it may also include determining whether the number of times user A's participation request has been submitted is less than or equal to the number of valid attempts. If all conditions are met, the business permissions of the credit lending service provider are shared, allowing user A to obtain the business permissions of the credit lending service provider. Under the premise of further risk control, user A is granted access to the deposit-free car rental service, improving user A's experience.

[0134] In the above-mentioned business processing for two different contracts, by sharing the business permissions of the historical performance objects with the user, the user can participate in the target business, thereby increasing the number of users of the target business and improving the user experience.

[0135] In addition, in order to further manage the user's execution of the target contract, after the user's participation in the target business is processed based on the target contract, it is also necessary to determine whether the user has executed in accordance with the terms configured in the target contract based on the content of the target contract.

[0136] In one optional implementation of this embodiment, after processing the user's business, the following operations are also performed:

[0137] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0138] If so, upgrade the user's credit rating;

[0139] If not, downgrade the user's credit rating, revoke the user's acquired business permissions, and maintain the frozen status of the user's frozen resources.

[0140] For example, after granting user A access to the deposit-free car rental service, to further encourage user A to fulfill their obligations, it's necessary to monitor whether user A performed the required business execution events by the due date, based on the performance period and execution events recorded in the target contract. If so, this performance will be used as a reference for user credit rating; otherwise, user A's credit rating will be downgraded, and the shared business permissions granted to user A by the credit lending service provider will be revoked. In addition, the frozen resources for user A can be kept frozen, and other default processing operations can be performed on user A.

[0141] For cases involving primary business needs and association with target users, the generated target contracts are divided into two types: one is to create a target contract specifically for the target business, and the other is to create a target contract that includes a valid association scope. The following describes the process of user participation in the target business based on the above two types of target contracts.

[0142] When the target contract is for a specific business, in order to enable users to participate in the target business even in the absence of historical fulfillment object data, the user participation process for the target business is performed based on the target contract, specifically implemented as follows:

[0143] Based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business.

[0144] For example, if user A, whose access was denied, requests to participate in the deposit-free car rental business, a target contract for the deposit-free car rental business has been obtained, with user A and target user E as the contract signatories. According to the target contract, the business permissions of target user E are shared, so that user A can obtain the business permissions of target user E for the deposit-free car rental business. Based on user A's obtained business permissions for the deposit-free car rental business, access processing is carried out for user A, allowing user A to participate in the deposit-free car rental business under the premise of controlling risks.

[0145] If the target contract includes a valid associated scope, the user's participation in the target business is processed based on the target contract, specifically as follows:

[0146] Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period;

[0147] If yes, based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business; if no, access is denied.

[0148] And / or,

[0149] Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions;

[0150] If yes, based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business; otherwise, access is denied.

[0151] For example, if user A, whose access was initially denied, requests to participate in a deposit-free car rental service, and a target contract has been generated with user A and target user E as contract signatories, including the scope of valid association and validity period or the number of valid attempts, then based on this target contract, it is determined whether user A's request to participate in the deposit-free car rental service is within the scope of valid association, and whether user A's submission time for the deposit-free car rental service is within the validity period. It may also include determining whether the number of times user A's participation request has been submitted is less than or equal to the number of valid attempts. If all conditions are met, the business permissions of target user E are shared, allowing user A to obtain the business permissions of target user E. This allows user A to access the deposit-free car rental service while further controlling risk, thus improving user A's experience.

[0152] In the above-mentioned business processing for two different contracts, by sharing the business permissions of the target user with the user, the user can participate in the target business, thereby increasing the number of users of the target business and improving the user experience.

[0153] In addition, in order to further manage the user's execution of the target contract, after the user's participation in the target business is processed based on the target contract, it is also necessary to determine whether the user has executed in accordance with the terms configured in the target contract based on the content of the target contract.

[0154] In one optional implementation of this embodiment, after processing the user's business, the following operations are also performed:

[0155] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0156] If so, provide the user's credit rating;

[0157] If not, downgrade the user's credit rating, revoke the user's acquired business permissions, and maintain the frozen status of the user's frozen resources.

[0158] For example, user A has been granted access to the deposit-free car rental service. To further encourage user A to fulfill their obligations, based on the performance period and business execution events recorded in the target contract, the system monitors whether user A has executed the business execution events by the end of the performance period. If not, user A and target user E will have their credit rating downgraded, and the business permissions shared by target user E with user A will be revoked. In addition, the system can maintain the frozen status of user A's resources and perform other default actions on user A and target user E.

[0159] (2) Second business demand

[0160] Under the second business demand level, users are associated with historical fulfillment objects, and the generated target contracts are divided into two types: one is to create a target contract for the target business, and the other is to create a target contract that includes the effective association scope. The following describes the process of user participation in the target business based on the above two types of target contracts.

[0161] When the target contract is for the target business, in order to enable users to participate in the target business, the participation process for users to participate in the target business is performed based on the target contract, specifically as follows:

[0162] Based on the target contract, the business permissions of the historical fulfillment objects are shared, so that the user can obtain the business permissions of the historical fulfillment objects for the target business.

[0163] Based on the business permissions obtained by the user, the user is granted access to the target business.

[0164] For example, if User B, whose application for access was rejected, applies to participate in the deposit-free bike rental service, a target contract for the deposit-free bike rental service has been generated with User B and the credit lending service provider as the contract signatories. According to the target contract, the business permissions of the credit lending service provider are shared, enabling User B to obtain the business permissions of the credit lending service provider for the deposit-free bike rental service. Based on User B's acquisition of the business permissions of the credit lending service provider, access processing is carried out for User B, allowing User B to participate in the deposit-free bike rental service under the premise of controlling risks.

[0165] If the target contract includes a valid associated scope, the user's participation in the target business is processed based on the target contract, specifically as follows:

[0166] Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period;

[0167] If yes, based on the target contract, the business permissions of the historical fulfillment object are shared, so that the user can obtain the business permissions of the historical fulfillment object, and based on the business permissions obtained by the user, the user is granted access to the target business; if no, access is denied.

[0168] And / or,

[0169] Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions;

[0170] If yes, based on the target contract, the business permissions of the historical fulfillment object are shared, so that the user can obtain the business permissions of the historical fulfillment object, and based on the business permissions obtained by the user, the user is granted access to the target business; if not, access is denied.

[0171] For example, if User B, whose application for access to the deposit-free cycling service was rejected, has already obtained a target contract with User B and the credit lending service provider as contract signatories, including the scope of valid association and validity period, or the number of valid attempts, then based on this target contract, it is determined whether User B's request to participate in the deposit-free cycling service is within the scope of valid association, and whether User B's submission time for the deposit-free cycling service is within the validity period. It may also include determining whether the number of times User B submitted the participation request is less than or equal to the number of valid attempts. If all conditions are met, the credit lending service provider's business permissions are shared, allowing User B to obtain the credit lending service provider's business permissions. This allows for access to the deposit-free cycling service for User B while further controlling risk, thus improving User B's experience.

[0172] In the above-mentioned business processing for two different contracts, by sharing the business permissions of historical contract fulfillment objects with users, users can participate in the target business, thereby increasing the number of users of the target business and improving the user experience.

[0173] In addition, in order to further manage the user's execution of the target contract, after the user's participation in the target business is processed based on the target contract, it is also necessary to determine whether the user has fulfilled the contract based on the content of the target contract.

[0174] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0175] If so, provide the user's credit rating;

[0176] If not, the user's credit rating will be downgraded, and the user's business privileges will be revoked.

[0177] For example, user B has been granted access to the deposit-free bike-sharing service. To further encourage user B to comply with the agreement, based on the performance period and business execution events recorded in the target contract, the system monitors whether user B has executed the business execution events by the end of the performance period. If not, user B's credit rating is downgraded, and the business privileges shared with user B by the credit lending service provider are revoked. In addition, other default handling actions can be performed on user B.

[0178] (3) Demand for the third business

[0179] To further manage the execution of the target contract by the second user and the associated user, based on the second contract, the user permissions of the second user are shared, so that the associated user can obtain the business permissions of the second user. Alternatively, after the execution processing steps are performed on the second business to which the associated application belongs, it is also necessary to determine whether the second user and the associated user have fulfilled their obligations based on the content of the target contract.

[0180] In one optional implementation of this embodiment, the determination of whether the associated user has fulfilled their obligations is made in the following manner:

[0181] Based on the performance period and business execution events recorded in the second contract, monitor whether the second user and / or the associated user execute the business execution event when the performance period expires;

[0182] If so, then the credit rating of the second user and / or the associated user shall be increased;

[0183] If not, the second user and / or the associated user shall be dealt with for breach of contract in accordance with the breach of contract clauses recorded in the second contract.

[0184] For example, when User C applies to provide a guarantee for Associated User D, enabling Associated User D to use the standby fund service, User D obtains the service permissions shared by User C and participates in the standby fund service. Based on the performance period and service execution events recorded in the second contract signed between User C and User D, the system monitors whether User C and User D have executed the required events by the expiration of the performance period. If not, the credit rating of both User C and User D is downgraded, and the service permissions shared by User C with User D are revoked. Furthermore, other default handling operations can be performed on User C and User D.

[0185] The following combination Figure 2 Taking the application of the business processing method provided in this embodiment in a first business scenario as an example, the business processing method provided in this embodiment will be further explained. (Refer to...) Figure 2 The business processing method applied to the first business scenario specifically includes steps S202 to S230.

[0186] Step S202: Obtain the participation requests submitted by users whose access to the target service failed.

[0187] Step S204: Based on the user's risk rating and the business type of the target business, determine the user's business needs for the target business.

[0188] Specifically, if the user's risk rating is low and the target business is a deposit-free car rental, then the user's business demand for the target business is determined as the first business demand level with a strong willingness to participate, based on the user's risk rating and business type.

[0189] Step S206: Check if the user has a history of fulfilling obligations with a merchant.

[0190] Specifically, if so, proceed with steps S208 to S216;

[0191] If not, proceed to steps S220 to S230.

[0192] Step S208: Filter historical merchants that meet preset conditions as business association objects for users.

[0193] Step S210: Write the historical merchants into the contract sample created based on the contract template, and send the contract sample to the user.

[0194] Step S212: Based on the signing operation submitted by the user, write the user into the contract sample and generate a target contract with the user and the historical merchant as the contract signatories.

[0195] Step S214: Based on the access permissions obtained by the user after the target contract is signed, the user is granted access to the target business.

[0196] Step S216: Monitor whether the user executes the business execution event when the performance period of the target contract expires.

[0197] Specifically, if so, the user's credit rating will be upgraded;

[0198] If not, proceed to step S218.

[0199] Step S218: Downgrade the user's credit, revoke the user's business permissions, and keep the user's frozen resources frozen.

[0200] Step S220: Send a reminder to the user inviting the target user as a business association object.

[0201] After sending a reminder to users inviting the target user as a business-related object, it is also necessary to monitor whether the user enters the user list;

[0202] If so, proceed to step S222;

[0203] If not, return to whether the monitored user has entered the user list.

[0204] Step S222: Query the users in the user list who have passed the access permission for the target business, and display the access permission identifier on the user identifier of the accessed user.

[0205] Step S224: Obtain the target user submitted by the user, as the user's business association object.

[0206] Step S226: Write the user into the contract sample created based on the contract template, and send the contract sample to the target user.

[0207] Step S228: Based on the signing operation submitted by the target user, write the target user into the contract sample and generate a target contract with the user and the target user as the contract signatories.

[0208] Step S230: Based on the access permissions obtained by the user after the signing of the target contract, the user is granted access to the target business.

[0209] The following combination Figure 3 Taking the application of the business processing method provided in this embodiment in a second business scenario as an example, the business processing method provided in this embodiment will be further explained. (Refer to...) Figure 3 The business processing method applied to the second business scenario specifically includes steps S302 to S316.

[0210] Step S302: Obtain the participation requests submitted by users whose access to the target business failed.

[0211] Step S304: Based on the user's risk rating and the business type of the target business, determine the user's business needs for the target business.

[0212] Specifically, if the user's risk rating is low and the target business type is deposit-free cycling, then the user's business demand for the target business is determined as a second business demand level of "general willingness to participate" based on the user's risk rating and business type.

[0213] Step S306: Find and filter historical merchants that meet the preset conditions among the historical merchants with which the user has fulfilled their obligations, and use them as the user's business association objects.

[0214] Step S308: Write the historical merchants into the contract sample created based on the contract template, and send the contract sample to the user.

[0215] Step S310: Based on the signing operation submitted by the user, write the user into the contract sample and generate a target contract with the user and the historical merchant as the contract signatories.

[0216] Step S312: Based on the access permissions obtained by the user after the target contract is signed, the user is granted access to the target business.

[0217] Step S314: Monitor whether the user executes the business execution event when the performance period of the target contract expires.

[0218] Specifically, if so, the user's credit rating will be upgraded;

[0219] If not, proceed to step S316.

[0220] Step S316: Downgrade the user's credit and revoke the user's business permissions.

[0221] The following combination Figure 4 Taking the application of the business processing method provided in this embodiment in a third business scenario as an example, the business processing method provided in this embodiment will be further explained. (Refer to...) Figure 4 The business processing method applied to the third business scenario specifically includes steps S402 to S412.

[0222] Step S402: Determine whether the user meets the access conditions of the target business.

[0223] Specifically, if so, proceed to step S404;

[0224] If not, no action will be taken.

[0225] Step S404: Obtain the association application submitted by the user for the associated user.

[0226] Step S406: The user and the associated object sign a second contract.

[0227] Step S408: Based on the access permissions obtained by the associated users after the signing of the target contract, perform access control for the target business on the associated users.

[0228] Step S410: Monitor whether the user and associated user execute the business execution event when the performance period expires.

[0229] Specifically, if so, the credit rating of the user and associated users will be upgraded.

[0230] If not, proceed to step S412.

[0231] Step S412: Downgrade the credit of the user and associated users, and revoke the user privileges obtained by the associated users.

[0232] In summary, the business processing method provided in this embodiment first obtains the participation request submitted by a user whose access to the target business has failed after the business access process. It then further determines the user's business need level for the target business, recommends association methods for the user to participate in the target business by associating with other parties according to different levels of business need, and signs a contract with the business association object according to the association method selected by the user. Finally, based on this contract, the user's participation in the target business is processed. In other words, the user is granted access to the target business with the guarantee provided by other business association objects, thereby improving the user's business participation experience, preventing user churn, and increasing user participation in credit services while controlling risks.

[0233] This specification provides an embodiment of a business processing device as follows:

[0234] In the above embodiments, a business processing method is provided, and correspondingly, a business processing apparatus is also provided, which will be described below with reference to the figures.

[0235] Reference Figure 5 The diagram shows a service processing device provided in this embodiment.

[0236] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0237] This embodiment provides a business processing apparatus, including:

[0238] The acquisition module 502 is configured to acquire participation requests submitted by users whose access to the target service has failed.

[0239] The determination module 504 is configured to determine the user's business demand for the target service and to find the user's business-related objects for the business demand.

[0240] The creation module 506 is configured to create a contract sample and send it to the associated object in response to the participation request;

[0241] The generation module 508 is configured to generate a target contract based on the associated action data submitted by the associated object for the contract sample, with the business associated object and the user as the contract signatories.

[0242] The processing module 510 is configured to perform the user participation processing for the target business based on the target contract.

[0243] Optionally, the determining module 504 includes:

[0244] The information acquisition submodule is configured to acquire the business access rating obtained by the user after conducting a business access assessment, as well as the attribute information of the target business;

[0245] The demand determination submodule is configured to determine the user's business demand for the target business based on the business access rating and the attribute information.

[0246] Optionally, the service processing apparatus further includes:

[0247] The performance monitoring module is configured to monitor whether the user executes the business execution event when the performance period expires, based on the performance period and business execution events recorded in the target contract.

[0248] If not, the default handling module is run, which is configured to handle defaults according to the default terms recorded in the target contract, and / or to handle business overdue transactions based on the business overdue agreement of the target business.

[0249] Optionally, if the business demand level is a first business demand level or a second business demand level, the determining module 504 includes:

[0250] The query submodule is configured to query the user's historical business interaction objects for historical performance objects containing the user's performance records;

[0251] The filtering submodule is configured to filter historical performance objects that meet preset conditions from the queried historical performance objects, and to use the historical performance objects as business-related objects for the user's first business requirement or the second business requirement.

[0252] Optionally, the creation module 506 includes:

[0253] The first contract sample creation submodule is configured to create a contract sample for the target business based on a contract template;

[0254] The first contract sample sending submodule is configured to send the contract sample written into the historical performance object to the user.

[0255] Optionally, the creation module 506 includes:

[0256] The second contract sample creation submodule is configured to create contract samples based on contract templates.

[0257] The second contract sample sending submodule is configured to send the contract sample written into the historical performance object to the user.

[0258] The contract configuration of the contract sample includes the effective association scope, effective period and / or effective number of times.

[0259] Optionally, the generation module 508 includes:

[0260] The first signing operation acquisition submodule is configured to acquire the user's associated action data on the contract sample;

[0261] The first target contract generation submodule is configured to generate the target contract based on the associated action data by writing the user into the contract sample, and to freeze the resources in the user's resource space according to the amount of the access target of the target business.

[0262] Optionally, the processing module 510 includes:

[0263] The permission sharing submodule is configured to perform permission sharing processing on the business permissions of the historical performance object based on the target contract, so that the user can obtain the business permissions of the historical performance object for the target business;

[0264] The access control submodule is configured to perform access control processing on the user for the target service based on the service permissions obtained by the user.

[0265] Optionally, the processing module 510 includes:

[0266] The first judgment submodule is configured to determine whether the target business is within the valid association range and whether the submission time of the participation request is within the valid period.

[0267] If so, the participation processing submodule is run. The participation processing submodule is configured to perform permission sharing processing on the business permissions of the historical performance object based on the target contract, so that the user can obtain the business permissions of the historical performance object, and perform access processing on the user for the target business based on the business permissions obtained by the user.

[0268] The second judgment submodule is configured to determine whether the number of submissions of the participating request is less than or equal to the effective number;

[0269] If so, run the participating processing submodule.

[0270] Optionally, the service processing apparatus further includes:

[0271] The first default handling module is configured to downgrade the user's credit, revoke the user's business permissions, and keep the user's frozen resources frozen.

[0272] Optionally, the service processing apparatus further includes:

[0273] The reminder sending module is configured to send a reminder to the user inviting the target user as the business association object when the business demand level is the first business demand level and no historical fulfillment object of the user is found.

[0274] Accordingly, the determining module 504 includes:

[0275] The target user determination submodule is configured to obtain the target user submitted by the user in response to the reminder;

[0276] The associated object determination submodule is configured to use the target user as the business associated object for the user in relation to the first business requirement.

[0277] Optionally, the service processing apparatus further includes:

[0278] An operation detection module is configured to detect the operation of the user entering the user's user list;

[0279] The access user determination module is configured to determine whether a user in the user list is an access user for the target service;

[0280] If so, the identifier display module is run, and the identifier display module is configured to display an access identifier on the user identifier of the accessed user.

[0281] Optionally, the creation module 506 is specifically configured to: create a contract sample for the target business based on the contract template; and send the contract sample written to the user to the target user.

[0282] Accordingly, the processing module 510 is specifically configured to: perform permission sharing processing on the business permissions of the target user based on the target contract, so that the user can obtain the business permissions of the target user, and perform access control processing on the user for the target business based on the business permissions obtained by the user.

[0283] Optionally, the creation module 506 is specifically configured to: create a contract sample based on the contract template; and send the contract sample written to the user to the target user.

[0284] The contract configuration of the contract sample includes the effective association scope, effective period and / or effective number of times;

[0285] Accordingly, the processing module 510 is specifically configured as follows:

[0286] Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period;

[0287] If so, based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business.

[0288] And / or,

[0289] Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions;

[0290] If so, based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business.

[0291] Optionally, the generation module 508 includes:

[0292] The second contract signing operation acquisition submodule is configured to acquire the target user's associated action data with the contract sample;

[0293] The second target contract generation submodule is configured to generate the target contract based on the associated action data by writing the target user into the contract sample, and to freeze the resources in the user's resource space according to the access target amount of the target business.

[0294] Accordingly, the business processing device further includes:

[0295] The second default handling module is configured to downgrade the credit of the user and the target user, revoke the business permissions obtained by the user, and keep the user's frozen resources frozen.

[0296] Optionally, the service processing apparatus further includes:

[0297] The association application retrieval module is configured to retrieve association applications submitted by a second user for an associated user;

[0298] The second contract signing module is configured to sign a second contract based on the contract sample, with the second user and the associated user as the contract signatories.

[0299] The associated permission sharing module is configured to perform permission sharing processing on the user permissions of the second user based on the second contract, so that the associated user can obtain the user permissions of the second user, or to perform execution processing on the second business to which the associated application belongs.

[0300] Optionally, the service processing apparatus further includes:

[0301] The access control module is configured to determine whether a user meets the access conditions of the target service.

[0302] If so, the second user determination module is run, which is configured to determine the user who meets the admission criteria as the second user;

[0303] If not, run module 502.

[0304] Optionally, the service processing apparatus further includes:

[0305] The default monitoring module is configured to monitor whether the second user and / or the associated user executes the business execution event when the performance period expires, based on the performance period and business execution event recorded in the second contract;

[0306] If not, the third default handling module is run, which is configured to handle the default of the second user and / or the associated user in accordance with the default terms recorded in the second contract.

[0307] This specification provides an example of a business processing device as follows:

[0308] Corresponding to the business processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a business processing device for executing the aforementioned business processing method. Figure 6 This is a schematic diagram of the structure of a service processing device provided for one or more embodiments of this specification.

[0309] like Figure 6As shown, the service processing device can vary significantly due to differences in configuration or performance. It may include one or more processors 601 and memory 602, and the memory 602 may store one or more application programs or data. The memory 602 may be temporary or persistent storage. The application programs stored in the memory 602 may include one or more modules (not shown), each module may include a series of computer-executable instructions from the target service processing device. Furthermore, the processor 601 may be configured to communicate with the memory 602 and execute the series of computer-executable instructions in the memory 602 on the target service processing device. The target service processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, one or more keyboards 606, etc.

[0310] In one specific embodiment, the target service processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the target service processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0311] Obtain participation requests submitted by users whose access to the target service was denied;

[0312] Determine the user's business demand level for the target service, and find the business-related objects associated with the user's business demand level;

[0313] Create a contract sample and send it to the associated object in response to the participation request;

[0314] Based on the associated action data submitted by the associated object in relation to the contract sample, a target contract is generated with the business associated object and the user as the contract signatories.

[0315] The user's participation in the target business is processed based on the target contract.

[0316] Optionally, the computer-executable instructions, when executed, may also include:

[0317] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0318] If not, the default shall be handled in accordance with the default clauses recorded in the target contract, and / or the business overdue shall be handled based on the business overdue agreement of the target business.

[0319] Optionally, the computer-executable instructions, when executed, may also include:

[0320] Obtain the association request submitted by the second user for the associated user;

[0321] Based on the contract sample, a second contract is signed with the second user and the associated user as contract signatories;

[0322] Based on the second contract, the user permissions of the second user are shared, so that the associated user can obtain the user permissions of the second user, or, the second business to which the associated application belongs is executed.

[0323] This specification provides an example of a storage medium as follows:

[0324] Corresponding to the business processing method described above, and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0325] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed, implement the following process:

[0326] Obtain participation requests submitted by users whose access to the target service was denied;

[0327] Determine the user's business demand level for the target service, and find the business-related objects associated with the user's business demand level;

[0328] Create a contract sample and send it to the associated object in response to the participation request;

[0329] Based on the associated action data submitted by the associated object in relation to the contract sample, a target contract is generated with the business associated object and the user as the contract signatories.

[0330] The user's participation in the target business is processed based on the target contract.

[0331] Optionally, the computer-executable instructions, when executed, also implement the following processes:

[0332] Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires;

[0333] If not, the default shall be handled in accordance with the default clauses recorded in the target contract, and / or the business overdue shall be handled based on the business overdue agreement of the target business.

[0334] Optionally, the computer-executable instructions, when executed, also implement the following processes:

[0335] Obtain the association request submitted by the second user for the associated user;

[0336] Based on the contract sample, a second contract is signed with the second user and the associated user as contract signatories;

[0337] Based on the second contract, the user permissions of the second user are shared, so that the associated user can obtain the user permissions of the second user, or, the second business to which the associated application belongs is executed.

[0338] It should be noted that the embodiments concerning storage media and the embodiments concerning user resource processing methods in this specification are based on the same inventive concept. Therefore, the specific implementation of these embodiments can refer to the implementation of the corresponding methods described above, and the repeated parts will not be described again.

[0339] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0340] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0341] The controller can be implemented in any suitable manner. For example, it 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 Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the modules included therein for implementing various functions can also be considered structures within the hardware component. Alternatively, the modules for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0342] The systems, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0343] For ease of description, the above modules are described separately as various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0344] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0345] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations 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, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A module that specifies the function in one or more boxes.

[0346] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction modules implemented in a process. Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0347] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0348] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0349] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0350] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0351] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0352] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0353] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0354] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A business processing method, comprising: Obtain participation requests submitted by users who failed to gain access to the target service, and determine the user's business demand for the target service based on the business access rating and the attribute information of the target service; When the business demand level is the first business demand level, obtain the business association object submitted by the user carrying the access identifier of the target business, create a contract sample written to the user and send it to the business association object in response to the participation request, generate a target contract with the business association object and the user as contract signatories based on the association action data submitted by the business association object for the contract sample, and perform access processing for the target business on the user based on the business permissions obtained by the user after the target contract is signed. When the business demand level is the second business demand level, the historical merchant with the most fulfillment times of the user is identified from the user's historical fulfillment objects. The historical merchant is written into the contract sample with the configured valid number of times and the contract sample is sent to the user. Based on the confirmation operation submitted by the user, a target contract is generated with the user and the historical merchant as contract signatories. Based on the target contract, the user is granted the right to participate in the target business.

2. The business processing method according to claim 1, wherein determining the user's business demand for the target business includes: Obtain the business access rating obtained by the user after conducting a business access assessment, as well as the attribute information of the target business; Based on the business access rating and the attribute information, the user's business demand for the target business is determined.

3. The business processing method according to claim 1, after executing the step of performing access processing on the user for the target business based on the business permissions obtained by the user after the signing of the target contract, further includes: Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires; If not, the default shall be handled in accordance with the default clauses recorded in the target contract, and / or the business overdue shall be handled based on the business overdue agreement of the target business.

4. The business processing method according to claim 1, wherein if the business demand degree is a first business demand degree or a second business demand degree, it further includes: The historical performance objects that contain the user's performance records and meet preset conditions are queried from the user's historical business interaction objects and used as business association objects for the business demand. Based on the associated action data submitted by the user for the contract sample, a target contract is generated with the business associated object and the user as the contract signatories; Based on the business permissions obtained by the user after the signing of the target contract, the user is granted access to the target business.

5. The business processing method according to claim 4, wherein querying the user's historical business interaction objects for historical performance objects that contain the user's performance records and meet preset conditions as business association objects for the business demand includes: Search for historical performance objects containing the user's performance records in the user's historical business interaction objects; Filter historical fulfillment objects that meet preset conditions from the retrieved historical fulfillment objects, and use the historical fulfillment objects as the business association objects of the user for the first business demand degree or the second business demand degree.

6. The business processing method according to claim 1, wherein creating and writing the contract sample to the user and sending it to the business-related object includes: Create a contract sample for the target business based on the contract template; The contract sample written to the user will be sent to the business-related object.

7. The business processing method according to claim 1, wherein creating and writing the contract sample to the user and sending it to the business-related object includes: Create a contract sample based on the contract template; The contract sample written to the user will be sent to the business-related object; The contract configuration of the contract sample includes the effective association scope, effective period and / or effective number of times.

8. The business processing method according to claim 6 or 7, wherein generating a target contract with the business-related object and the user as contract signatories based on the related action data submitted by the business-related object for the contract sample includes: Obtain the associated action data of the business-related object to the contract sample; Based on the associated action data, the target contract is generated by writing the business-related object into the contract sample, and the resources in the user's resource space are frozen according to the access target amount of the target business.

9. The business processing method according to claim 6, wherein the step of performing access control processing on the user for the target business based on the business permissions obtained by the user after the signing of the target contract includes: Based on the target contract, the business permissions of the business-related objects are shared, so that the user can obtain the business permissions of the business-related objects for the target business. Based on the business permissions obtained by the user, the user is granted access to the target business.

10. The business processing method according to claim 7, wherein the step of performing access control processing on the user for the target business based on the business permissions obtained by the user after the target contract is signed includes: Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period; And / or, Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions; If so, based on the target contract, the business permissions of the business-related object are shared, so that the user can obtain the business permissions of the business-related object, and based on the business permissions obtained by the user, the user is granted access to the target business.

11. The business processing method according to claim 9 or 10, after executing the step of performing access processing for the target business on the user based on the business permissions obtained by the user after the target contract is signed, it further includes: Based on the performance period and business execution events recorded in the target contract, monitor whether the user executes the business execution event when the performance period expires; If not, downgrade the user's credit rating, revoke the user's business privileges, and / or keep the user's frozen resources frozen.

12. The business processing method according to claim 1, wherein, when the business demand degree is a first business demand degree, obtaining the business association object submitted by the user carrying the access identifier of the target business includes: If the business demand level is the first business demand level and no historical fulfillment object is found for the user, a reminder to invite the target user as the business association object will be sent to the user. In response to the notification, obtain the target user submitted by the user; The target user is used as the business association object for the user's first business demand.

13. The business processing method according to claim 12, further comprising: The user's entry into the user's user list was detected; Determine whether the users in the user list are authorized users of the target service; If so, display the access identifier on the user's identifier.

14. The business processing method according to claim 12, wherein the step of performing access control on the user for the target business based on the business permissions obtained by the user after the signing of the target contract includes: Based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business.

15. The business processing method according to claim 12, wherein the contract configuration of the contract sample includes a valid association scope, a valid period, and / or a valid number of times; Accordingly, the process of granting access to the target service to the user based on the business permissions obtained by the user after the signing of the target contract includes: Determine whether the target business is within the valid association scope and whether the submission time of the participation request is within the valid period; And / or, Determine whether the number of submissions of the participation request is less than or equal to the number of valid submissions; If so, based on the target contract, the target user's business permissions are shared to enable the user to obtain the target user's business permissions, and based on the business permissions obtained by the user, the user is granted access to the target business.

16. The business processing method according to claim 14 or 15, wherein generating a target contract based on the associated action data submitted by the user for the contract sample, with the business association object and the user as the contract signatories, includes: Obtain the target user's associated action data with the contract sample; Based on the associated action data, the target contract is generated by writing the target user into the contract sample, and the resources in the user's resource space are frozen according to the access target amount of the target business. Accordingly, after executing the access control step for the user based on the business permissions obtained by the user after the signing of the target contract, the process further includes: Based on the performance period and business execution events included in the target contract, monitor whether the user executes the business execution event when the performance period expires; If not, downgrade the credit of the user and the target user, revoke the business permissions obtained by the user, and / or keep the user's frozen resources frozen.

17. A business processing method apparatus, comprising: The acquisition module is configured to acquire participation requests submitted by users who have failed to gain access to the target service, and determine the user's business demand for the target service based on the business access rating and the attribute information of the target service. The associated object determination module is configured to, when the business demand level is a first business demand level, obtain the business associated object submitted by the user carrying the access identifier of the target business, create a contract sample written to the user and send it to the business associated object in response to the participation request, generate a target contract with the business associated object and the user as contract signatories based on the associated action data submitted by the business associated object for the contract sample, and perform access processing for the user for the target business based on the business permissions obtained by the user after the target contract is signed. The processing module is configured to, when the business demand level is the second business demand level, identify the historical merchant with the most fulfillment times from the user's historical fulfillment objects, write the historical merchant into a contract sample with a configured number of valid times, send the contract sample to the user, generate a target contract with the user and the historical merchant as contract signatories based on the confirmation operation submitted by the user, and grant the user access to participate in the target business based on the target contract.

18. A business processing method apparatus, comprising: processor; as well as, A memory configured to store computer-executable instructions, which, when executed, cause the processor to: Obtain participation requests submitted by users who failed to gain access to the target service, and determine the user's business demand for the target service based on the business access rating and the attribute information of the target service; When the business demand level is the first business demand level, obtain the business association object submitted by the user carrying the access identifier of the target business, create a contract sample written to the user and send it to the business association object in response to the participation request, generate a target contract with the business association object and the user as contract signatories based on the association action data submitted by the business association object for the contract sample, and perform access processing for the target business on the user based on the business permissions obtained by the user after the target contract is signed. When the business demand level is the second business demand level, the historical merchant with the most fulfillment times of the user is identified from the user's historical fulfillment objects. The historical merchant is written into the contract sample with the configured valid number of times and the contract sample is sent to the user. Based on the confirmation operation submitted by the user, a target contract is generated with the user and the historical merchant as contract signatories. Based on the target contract, the user is granted the right to participate in the target business.

19. A storage medium for storing computer-executable instructions, which, when executed, perform the following process: Obtain participation requests submitted by users who failed to gain access to the target service, and determine the user's business demand for the target service based on the business access rating and the attribute information of the target service; When the business demand level is the first business demand level, obtain the business association object submitted by the user carrying the access identifier of the target business, create a contract sample written to the user and send it to the business association object in response to the participation request, generate a target contract with the business association object and the user as contract signatories based on the association action data submitted by the business association object for the contract sample, and perform access processing for the target business on the user based on the business permissions obtained by the user after the target contract is signed. When the business demand level is the second business demand level, the historical merchant with the most fulfillment times of the user is identified from the user's historical fulfillment objects. The historical merchant is written into the contract sample with the configured valid number of times and the contract sample is sent to the user. Based on the confirmation operation submitted by the user, a target contract is generated with the user and the historical merchant as contract signatories. Based on the target contract, the user is granted the right to participate in the target business.

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