Methods, devices, equipment, and media for determining rebates based on annuity accounts

Abstract

This application provides a method, apparatus, device, and medium for determining rebates based on annuity accounts. The method includes: an annuity service platform receiving a transaction order from a target user making purchases on a third-party platform using their annuity account; the transaction order carrying one or more service objects ordered by the target user and first rebate information determined for the service objects; the annuity service platform verifying the accuracy of the first rebate information based on preset rebate mapping information, which is pre-determined through negotiation between the annuity service platform and the third-party platform; and, in response to a verification result indicating that the first rebate information is incorrect, the annuity service platform returning the first rebate information to the third-party platform. This method effectively improves the accuracy of rebate information for each transaction order made using an annuity account, providing support for protecting the rebate rights of annuity insurance institutions.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method, apparatus, device and medium for determining rebates based on annuity accounts. Background Technology

[0002] Enterprise annuities are a supplementary pension system, referring to a supplementary pension insurance system established voluntarily by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.

[0003] To improve user experience, insurance institutions have launched universal annuity insurance services, allowing users to use their annuity accounts to make purchases on third-party platforms. Insurance institutions and third-party platforms promote cooperation through rebates. However, current rebate determination schemes among multiple platforms are mainly determined offline and then distributed centrally. This method of determining rebates usually makes it difficult to accurately determine rebate information for each transaction, which may harm the interests of insurance institutions.

[0004] Therefore, proposing a solution that can efficiently determine the rebate information for each transaction order is an urgent problem to be solved. Summary of the Invention

[0005] In view of the above-mentioned problem, namely the difficulty of accurately determining rebate information based on each transaction order using relevant technologies, this application provides a method, apparatus, device and medium for determining rebates based on an annuity account.

[0006] To achieve the above objectives, this application provides the following technical solution:

[0007] According to one aspect of this application, a method for determining rebates based on an annuity account is provided, comprising:

[0008] The annuity service platform receives transaction orders from target users who make consumption on third-party platforms based on their annuity accounts. The transaction orders carry one or more service objects ordered by the target user and first rebate information determined for the service objects.

[0009] The annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, which is determined in advance by the annuity service platform and the third-party platform.

[0010] In response to the verification result that the first rebate information is incorrect, the annuity service platform returns the first rebate information to the third-party platform so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

[0011] In one implementation, the annuity service platform is a health management platform used to manage the health service rights of a user's annuity account. The health service rights include the rights information of the health service platform with payment permissions for the user's annuity account. The third-party platform is a health service platform, and the service recipients are health service recipients, including health products and / or health services.

[0012] In one implementation, the annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, including:

[0013] The annuity service platform determines the second rebate information of the transaction order based on preset rebate mapping information, and verifies whether the first rebate information and the second rebate information are the same;

[0014] In response to the verification result that the first rebate information and the second rebate information are different, the annuity service platform determines that the first rebate information has failed.

[0015] In one implementation, the preset rebate mapping information includes the rebate percentage for all service recipients.

[0016] The annuity service platform determines the second rebate information for the transaction order based on preset rebate mapping information, including:

[0017] The annuity service platform determines the rebate ratio for each service recipient in the transaction order based on the preset rebate mapping information, and obtains the second rebate information of the transaction order based on the rebate ratio.

[0018] In one implementation, before the annuity service platform receives a transaction order from a target user making consumption on a third-party platform based on their annuity account, it further includes:

[0019] The annuity service platform obtains all service items and corresponding rebate ratios of the target user's annuity account on the third-party platform and other third-party platforms;

[0020] The annuity service platform abstracts all service items on the third-party platform and other third-party platforms into several service objects according to the service content, and classifies the several service objects based on the rebate ratio to obtain classification information;

[0021] The classification information is synchronized to the third-party platform. After receiving the confirmation result of the classification information from the third-party platform, preset rebate mapping information is generated based on the classification information.

[0022] In one embodiment, after the annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, the method further includes:

[0023] In response to the accurate verification result of the first rebate information, the annuity service platform verifies the health service rights corresponding to the annuity account based on the transaction order and stores the first rebate information.

[0024] In one implementation, the method for generating transaction orders for the target user's consumption on a third-party platform based on their annuity account includes:

[0025] The third-party platform will report the purchase orders made by the target user based on the annuity account on the third-party platform to the annuity business core platform;

[0026] The annuity business core platform verifies the order and executes the transaction based on the verification result. The third-party platform generates the transaction order based on the transaction execution result of the annuity business core platform.

[0027] According to another aspect of this application, a rebate determination device based on an annuity account is provided, comprising:

[0028] The receiving module is configured to receive transaction orders made by a target user on a third-party platform based on an annuity account. The transaction orders carry one or more service objects ordered by the target user and first rebate information determined for the service objects.

[0029] The rebate verification module is configured to verify whether the first rebate information is accurate based on preset rebate mapping information, wherein the preset rebate mapping information is determined in advance by the annuity service platform and the third-party platform;

[0030] The return module is configured to, in response to a verification result indicating that the first rebate information is incorrect, return the first rebate information to the third-party platform, so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

[0031] According to another aspect of this application, an electronic device is provided, comprising: a memory and a processor;

[0032] The memory stores computer-executed instructions;

[0033] The processor executes computer execution instructions stored in the memory, causing the electronic device to execute the rebate determination method based on the annuity account.

[0034] According to another aspect of this application, a computer-readable storage medium is provided, wherein computer-executable instructions are stored therein, which, when executed by a processor, are used to implement the aforementioned method for determining rebates based on an annuity account.

[0035] Understandably, the rebate determination method, apparatus, equipment, and medium based on annuity accounts provided in this application receive transaction orders from target users who make consumption on a third-party platform based on their annuity accounts through an annuity service platform. These transaction orders carry one or more service objects ordered by the target user and first rebate information determined for those service objects. The annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, which is pre-determined through negotiation between the annuity service platform and the third-party platform. In response to a verification result indicating that the first rebate information is incorrect, the annuity service platform returns the first rebate information to the third-party platform, enabling the third-party platform to re-determine the first rebate information of the transaction order and generate a new transaction order. This effectively improves the accuracy of the rebate information and allows for timely detection and remediation in the event of errors, thereby effectively protecting the rights and interests of insurance institutions and promoting long-term cooperation between insurance institutions and third-party platforms. Attached Figure Description

[0036] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0037] Figure 1 This is a schematic diagram of a possible scenario provided for an embodiment of this application;

[0038] Figure 2 A flowchart illustrating a method for determining rebates based on an annuity account, provided as an embodiment of this application;

[0039] Figure 3 A flowchart illustrating another method for determining rebates based on an annuity account, provided as an embodiment of this application;

[0040] Figure 4 One of the flowcharts illustrating another method for determining rebates based on an annuity account provided in this application embodiment;

[0041] Figure 5 A second flowchart illustrating another method for determining rebates based on an annuity account, provided as an embodiment of this application;

[0042] Figure 6 A schematic diagram of a rebate determination device based on an annuity account provided in this application embodiment;

[0043] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application.

[0044] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0045] In related technologies, rebates / rebates between platforms or between platforms and users are usually determined offline based on rebate coupons, rebate amounts, etc., and then a unified rebate is applied to multiple transaction orders. This method cannot determine the corresponding rebate information for each transaction order and is usually only suitable for occasional rebate activities of the platform. It is not suitable for scenarios where insurance institutions, such as Taikang Pension Insurance, cooperate with other third-party platforms to provide annuity account payment-related products. Since the rebate ratios determined for different products may be different, the rebate information for each transaction order will also be different. If the rebate is applied to the transaction orders in a centralized manner, there may be inaccurate rebate information for one or even multiple transaction orders, thereby damaging the relevant rebate rights of the insurance institution. Moreover, it is difficult to identify at which stage the inaccurate rebate information occurred.

[0046] In view of this, the embodiments of this application provide a method, apparatus, device and medium for determining rebates based on annuity accounts. Through the interaction between the annuity service platform and the third-party platform, the annuity service platform determines the rebate information generated by the third-party platform for each transaction order according to the preset rebate mapping information, and returns the information to the third-party platform for reconfirmation if the rebate information is incorrect. This can effectively improve the accuracy of the rebate information, and promptly detect and remedy errors when they occur, thereby effectively protecting the rights and interests of insurance institutions and promoting long-term cooperation between insurance institutions and third-party platforms.

[0047] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions in the embodiments of this application will be described in more detail below with reference to the accompanying drawings. In the drawings, the same or similar reference numerals denote the same or similar components or components having the same or similar functions throughout. The described embodiments are some, but not all, embodiments of this application. The embodiments described below with reference to the accompanying drawings are exemplary and intended to explain this application, and should not be construed as limiting this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application without creative effort are within the scope of protection of this application.

[0048] Figure 1 This is a schematic diagram of a possible scenario provided for an embodiment of this application, such as... Figure 1As shown, it includes a first terminal 110 and a second terminal 120, which are interconnected via a wired or wireless network. The first terminal is equipped with an annuity service platform, and the second terminal is equipped with a third-party platform. Optionally, the third-party platform is a health service platform. In some embodiments, the third-party platform may also be other service platforms that have established cooperation with insurance institutions.

[0049] In this embodiment, the second terminal 120 is used to obtain the user's order information (e.g., health services), determine whether the order can be settled based on an annuity account, generate a corresponding transaction order, and confirm the first rebate information of the transaction order. The second terminal 110 provides the transaction order and the corresponding first rebate information to the second terminal 120. The first terminal 110 confirms the first rebate information based on the data provided by the second terminal 120 and determines the final rebate information. Optionally, in determining the final rebate information, the first terminal 110 undertakes the main calculation work, and the second terminal 120 undertakes the secondary calculation work; or, the first terminal 110 undertakes the secondary calculation work, and the second terminal 120 undertakes the main calculation work; or, the first terminal 110 or the second terminal 120 can each independently undertake the calculation work.

[0050] The first terminal 110 or the second terminal 120 may include, but is not limited to, computers, smartphones, tablets, e-book readers, Moving Picture Experts Group Audio Layer III (MP3) players, Moving Picture Experts Group Audio Layer IV (MP4) players, portable computers, in-vehicle computers, wearable devices, desktop computers, set-top boxes, smart TVs, etc.

[0051] Optionally, the number of the first terminal 110 and the second terminal 120 may be more or less, and this application embodiment does not limit this. In some embodiments, the first terminal 110 and the second terminal 120 may also serve as nodes in the blockchain system, synchronizing the determined rebate information to other nodes in the blockchain to achieve widespread application of the rebate information.

[0052] It should be noted that the collection, storage, use, processing, transmission, provision, and disclosure of user personal information (such as order information) involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0053] The above provides a brief illustration of the scenario of this application. The following section describes its application... Figure 1Taking server 120 as an example, this application will be described in detail with reference to the embodiment of the application.

[0054] Please refer to Figure 2 , Figure 2 This application provides a flowchart of a method for determining rebates based on an annuity account, which includes steps S201-S203.

[0055] Step S201: The annuity service platform receives a transaction order from a target user for consumption on a third-party platform based on their annuity account. The transaction order carries one or more service objects ordered by the target user and first rebate information determined for the service objects.

[0056] In this embodiment, the target user is a user with an annuity account. Consumption based on the annuity account can be paid in full by the annuity account or in part by the annuity account (i.e., a mixed payment between the annuity account and personal payment). The determination of the rebate information is based on the payment share of the annuity account portion.

[0057] In this embodiment, the service recipient refers to products or services that can be paid for using an annuity account. In one implementation, users can purchase goods on a third-party platform through an APP or web link. This can be a regular purchase or a purchase using an annuity account. For products or services that can be paid for using an annuity account, users can also purchase them in the regular way. After receiving the user's order information and selecting an annuity account for payment, the third-party platform can first identify whether the product can be settled using an annuity account. If it can, it will interact with the relevant platform or system that manages annuity account settlement to complete the deduction and generate a transaction order, while determining the first rebate information of the transaction order.

[0058] In one possible implementation, the annuity service platform in this embodiment can be a single service platform, such as a service platform that specifically provides health rights for annuity users. This annuity service platform can then connect with a third-party platform—a health service platform—to handle matters related to the user's health rights.

[0059] Furthermore, the annuity service platform is a health management platform used to manage the health service rights of users' annuity accounts. The health service rights include the rights information of the health service platform with payment permissions for users' annuity accounts. The third-party platform is a health service platform, and the service recipients are health service recipients, including health products and / or health services.

[0060] In one implementation, to improve transaction security between third-party platforms and insurance institutions, the annuity business core platform is used to verify and execute orders, and consumption is made based on the user's annuity account. Specifically, the generation method of the transaction order for the target user to consume on the third-party platform based on their annuity account includes:

[0061] The third-party platform will report the purchase orders made by the target user based on the annuity account on the third-party platform to the annuity business core platform;

[0062] The annuity business core platform verifies the order and executes the transaction based on the verification result. The third-party platform generates the transaction order based on the transaction execution result of the annuity business core platform.

[0063] Step S202: The annuity service platform verifies the accuracy of the first rebate information based on the preset rebate mapping information. The preset rebate mapping information is determined in advance by the annuity service platform and the third-party platform.

[0064] In this embodiment, the preset rebate mapping information may include the rebate ratio for each service object, which corresponds to the rebate ratio in the annuity service platform and the third-party platform, so as to effectively reduce rebate errors.

[0065] In one implementation, step S202, in which the annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, may include the following steps:

[0066] The annuity service platform determines the second rebate information of the transaction order based on preset rebate mapping information, and verifies whether the first rebate information and the second rebate information are the same;

[0067] In response to the verification result that the first rebate information and the second rebate information are different, the annuity service platform determines that the first rebate information has failed.

[0068] For example, the transaction order transmitted from the third-party platform to the annuity service platform includes the consumption amount of each service recipient, the corresponding rebate information for each service recipient, the total order amount, the consumption amount in the annuity account, and the rebate amount determined by the third-party platform (first rebate information). The annuity service platform calculates the rebate information for all service recipients in the transaction order according to the preset rebate mapping information to obtain the second rebate information. In the implementation where the preset rebate mapping information is determined by the rebate ratio, it can be calculated based on the amount of each service recipient and the corresponding rebate ratio. In other implementations, other methods can also be used to determine the second rebate information, which will not be elaborated here.

[0069] Furthermore, in the implementation where the preset rebate mapping information includes the rebate ratio for all service recipients, step S202, where the annuity service platform determines the second rebate information for the transaction order based on the preset rebate mapping information, specifically involves the following steps:

[0070] The annuity service platform determines the rebate ratio for each service recipient in the transaction order based on the preset rebate mapping information, and obtains the second rebate information of the transaction order based on the rebate ratio.

[0071] For example, in the demand for using universal account funds to pay for health services, the following analysis is conducted using the third-party supplier Qijian.com as an example:

[0072] Insurance institutions and Qijianfen.com have reached a cooperation agreement and negotiated relevant rebate mapping information, including the rebate percentages for each service recipient. The rebate mapping information is categorized as follows: home medical care services, telephone doctor services, video doctor services, online physical goods mall services (up to 50 million RMB annually), online physical goods mall services (50 million RMB or more annually), and special drug services. The rebate percentages for these categories are 1%, 2%, 1.5%, 2%, 4%, and 0%, respectively. When paying, users can choose to pay entirely with a universal account, partially with a universal account (a mix of universal account and personal account payment), or purely with their personal account. The rebate is applied to the amount paid using a universal account.

[0073] In one implementation, the formula for calculating the total rebate amount (second rebate information) is: Total rebate amount = sum(consumption amount of each service recipient * rebate ratio of each individual) * consumption amount of annuity account / total consumption amount of order.

[0074] In related technologies, when a target user's transaction order includes multiple service recipients and the customer uses mixed payment methods, it is impossible to determine the proportion of account amount used for each service, and the rebate cannot be calculated accurately. However, in this embodiment, the rebate ratio for each service recipient is recorded in the preset rebate mapping information. This allows for the quick and accurate determination of the corresponding rebate information for different service recipients' annuity payment results and rebate ratios, effectively protecting the rights and interests of insurance institutions.

[0075] S203. In response to the verification result that the first rebate information is incorrect, the annuity service platform returns the first rebate information to the third-party platform so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

[0076] In this embodiment, the interaction between the annuity service platform and the third-party platform is utilized. Both platforms calculate the corresponding rebate information for each transaction order of the target user, and the annuity service platform verifies the rebate information. This can effectively improve the accuracy of rebates for transaction orders, and there is no need to use offline methods to determine rebate information. The entire process can be automated, which effectively improves rebate efficiency.

[0077] Please refer to Figure 3 , Figure 3 This is a flowchart illustrating another method for determining rebates based on an annuity account, provided in this application embodiment. Considering that insurance institutions may establish cooperation with multiple third-party platforms simultaneously, and that insurance institutions need to determine rebates for different third-party platforms at the same time, in order to improve the efficiency of rebate determination and further achieve more accurate rebates, based on the above embodiment, in addition to the above steps S201-S203, steps S301-S304 are also included before step S201, whereby the annuity service platform receives the transaction order from the target user for consumption on the third-party platform based on the annuity account.

[0078] Step S301: The annuity service platform obtains all service items and corresponding rebate ratios of the target user's annuity account on the third-party platform and other third-party platforms.

[0079] In practical applications, insurance institutions may cooperate with multiple third-party platforms at the same time. In the process of determining rebate information, the large number of items can easily lead to confusion about rebates. This embodiment improves the accuracy of rebates on annuity service platforms by abstracting and classifying the service items of different platforms.

[0080] In this embodiment, the rebate ratio for the same service item is considered to be the same. In some embodiments, in order to flexibly determine the rebate ratio and the service recipients, in the process of determining the rebate ratio, the same type of service item can be determined with different rebate ratios according to the cumulative consumption level and split into different service recipients.

[0081] Step S302: The annuity service platform abstracts all service items on the third-party platform and other third-party platforms into several service objects based on the service content.

[0082] It is understandable that those skilled in the art can categorize service items based on similar service content in practical applications. For example, third-party platform 1 includes in-home teeth cleaning services, and third-party platform 2 includes in-home acupuncture services. Similar items on third-party platforms can be abstracted as medical and nursing in-home service recipients.

[0083] Step S303: The annuity service platform classifies the various service recipients based on the rebate ratio to obtain classification information.

[0084] Step S304: The annuity service platform synchronizes the classification information to the third-party platform. After receiving the confirmation result of the classification information from the third-party platform, it generates preset rebate mapping information based on the classification information.

[0085] In this embodiment, by grouping service recipients with the same rebate ratio together and generating preset rebate mapping information based on the classification information, the annuity service platform can quickly find the rebate ratio of the corresponding service recipient for transaction orders from different third-party platforms when confirming rebates, and accurately confirm the rebate information.

[0086] Please refer to Figure 4 , Figure 4 This is a flowchart illustrating another method for determining rebates based on an annuity account, provided in this application embodiment. In this embodiment, after confirming the rebate information, rights are verified according to the transaction order, and the corresponding rebate information is stored simultaneously. Rebates and orders are processed at the same level, effectively avoiding confusion between orders and rebates. Specifically, based on the above embodiment, in addition to steps S201-S203, after the annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information in step S202, step S401 is also included.

[0087] Step S401: In response to the accurate verification result of the first rebate information, the annuity service platform verifies the health service rights corresponding to the annuity account based on the transaction order and stores the first rebate information.

[0088] In this embodiment, after the first rebate information is verified, the annuity service platform cancels the benefit usage record and records the corresponding information. At the same time, the total rebate amount (first rebate information) is stored in the benefit usage record level, rather than in the non-service recipient's usage record (order), at the same level as the order level, to effectively avoid confusion between rebate information and order amount.

[0089] To facilitate understanding of the embodiments of this application, in conjunction with Figure 5 As shown, the process includes the following:

[0090] S1. Customers (target users) purchase health services through a third-party platform via their user terminals and incur health service fees.

[0091] S2. The third-party platform verifies whether the deduction needs to be made from the annuity account. If the deduction does not need to be made from the annuity account, the third-party platform will handle it itself.

[0092] S3. If deductions are required from the annuity account, the amount to be paid from the annuity account and the corresponding order will be sent to the annuity business core platform to request the annuity business core platform to deduct the payment (execute the transaction). After successful deduction, the third-party transaction is successful and a transaction order is generated.

[0093] S4. The third-party platform will synchronize the transaction order and its determined total rebate (first rebate information) to the annuity service platform;

[0094] S5. The annuity service platform will recalculate the rebate based on the service recipients and consumption amounts included in the order and execute a verification process. If the total rebate determined by the annuity service platform (second rebate information) is inconsistent with the total rebate determined by the third-party platform, it will be returned to the third-party platform for recalculation.

[0095] S6. If the total rebate amount matches the verification, the annuity service platform will cancel the rights and benefits usage record and record the corresponding rebate information. The total rebate amount will be recorded at the rights and benefits usage record level, at the same level as the order level, rather than in the service item usage record.

[0096] In one exemplary embodiment, when a consumer uses their annuity account from an insurance institution to pay for health services on a third-party platform, the amount paid using the annuity account requires the third-party platform to provide a rebate to the insurance institution. The rebate percentages for various services offered by the third-party platform and the insurance institution are as follows:

[0097] Home-based medical care services – 1% commission;

[0098] Telephone doctor service – 2% commission;

[0099] Video doctor service – 1.5% commission;

[0100] Online marketplace services for physical goods (annual cumulative total within 50 million RMB) – 2% rebate rate;

[0101] Online marketplace services for physical goods (annual cumulative sales of 50 million or more) – 4% rebate.

[0102] Specialty drug services – 0% rebate.

[0103] Scenario 1: When a consumer places a single order of 1000 yuan, and all 1000 yuan is deducted from the universal account, the third-party platform needs to give a rebate to the insurance institution according to the agreement for the 1000 yuan paid from the annuity account. Specifically, the consumption for home medical care services, video doctor services, and online shopping mall services for physical goods (within an annual cumulative limit of 50 million yuan) are 300 yuan, 200 yuan, and 500 yuan respectively.

[0104] Total rebate amount = 300 * 1% + 200 * 1.5% + 500 * 2% = 16 yuan.

[0105] Scenario 2: When a consumer places an order of 1000 yuan, 600 yuan of which is deducted from their annuity account, the third party needs to give a rebate to the insurance institution for the 600 yuan paid from the annuity account, as agreed. Specifically, the consumption amounts for home healthcare services, video doctor services, and online shopping mall services for physical goods (within an annual cumulative limit of 50 million yuan) are 300 yuan, 200 yuan, and 500 yuan respectively.

[0106] Total rebate amount = sum(spending amount of each item * rebate percentage of each item) * spending amount of the order account / total spending amount of the order = sum(300*1% + 200*1.5% + 500*2%) * 600 / 1000 = 9.6 yuan.

[0107] This application also provides a rebate determination device based on an annuity account, such as... Figure 6 As shown, it includes a receiving module 61, a return verification module 62, and a return module 63, wherein,

[0108] The receiving module 61 is configured to receive transaction orders made by a target user on a third-party platform based on an annuity account. The transaction order carries one or more service objects ordered by the target user and first rebate information determined for the service objects.

[0109] The rebate verification module 62 is configured to verify whether the first rebate information is accurate based on preset rebate mapping information, wherein the preset rebate mapping information is determined in advance by the annuity service platform and the third-party platform;

[0110] The return module 63 is configured to return the first rebate information to the third-party platform in response to a verification result indicating that the first rebate information is incorrect, so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

[0111] In one implementation, the annuity service platform is a health management platform used to manage the health service rights of a user's annuity account. The health service rights include the rights information of the health service platform with payment permissions for the user's annuity account. The third-party platform is a health service platform, and the service recipients are health service recipients, including health products and / or health services.

[0112] In one implementation, the return verification module 62 includes:

[0113] The determining unit is configured to determine the second rebate information of the transaction order based on preset rebate mapping information, and to verify whether the first rebate information and the second rebate information are the same;

[0114] The determination unit is configured to determine that the first rebate information has failed in response to a verification result that the first rebate information and the second rebate information are different.

[0115] In one implementation, the preset rebate mapping information includes the rebate ratio of all service objects. The determining unit is specifically configured to determine the rebate ratio of each service object in the transaction order based on the preset rebate mapping information, and obtain the second rebate information of the transaction order based on the rebate ratio.

[0116] In one embodiment, the device further includes:

[0117] The rebate percentage acquisition module is configured to acquire all service items and corresponding rebate percentages of the target user's annuity account on the third-party platform and other third-party platforms.

[0118] The classification module is configured to abstract all service items into several service objects based on all service items and corresponding rebate ratios on the third-party platform and other third-party platforms, and classify the several service objects based on the rebate ratios to obtain classification information;

[0119] The mapping information generation module is configured to synchronize the classification information to the third-party platform, and after receiving the confirmation result of the classification information from the third-party platform, generate preset return point mapping information based on the classification information.

[0120] In one embodiment, the device further includes:

[0121] The reimbursement storage module is configured to respond to the accurate verification result of the first rebate information, and the annuity service platform reimburses the health service rights corresponding to the annuity account based on the transaction order and stores the first rebate information.

[0122] In one implementation, the method for generating transaction orders for the target user's consumption on a third-party platform based on their annuity account includes: the third-party platform reporting the purchase order for the target user's consumption on the third-party platform based on their annuity account to the annuity business core platform; the annuity business core platform verifying the purchase order and executing the transaction based on the verification result; and the third-party platform generating the transaction order based on the transaction execution result of the annuity business core platform.

[0123] This application also provides an electronic device, such as... Figure 7 As shown, it includes: a memory 71 and a processor 72;

[0124] The memory 71 stores computer-executed instructions;

[0125] The processor 72 executes the computer execution instructions stored in the memory 71, causing the electronic device to execute the rebate determination method based on the annuity account.

[0126] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the aforementioned method for determining rebates based on annuity accounts.

[0127] Those skilled in the art will understand that all or some of the steps, systems, and apparatuses disclosed above, and their functional modules / units, can be implemented as software, firmware, hardware, or suitable combinations thereof. In hardware implementations, the division between functional modules / units mentioned above does not necessarily correspond to the division of physical components; for example, a physical component may have multiple functions, or a function or step may be performed collaboratively by several physical components. Some or all physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application-specific integrated circuit (ASIC). Such software can be distributed on a computer-readable medium, which may include computer storage media (or non-transitory media) and communication media (or transient media).

[0128] As is known to those skilled in the art, the term computer storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information (such as computer-readable instructions, data structures, program modules or other data). Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, digital versatile disc (DVD) or other optical disc storage, magnetic cartridges, magnetic tape, disk storage or other magnetic storage devices, or any other medium that can be used to store desired information and is accessible to a computer.

[0129] Furthermore, as is known to those skilled in the art, communication media typically contain computer-readable instructions, data structures, program modules, or other data in modulated data signals such as carrier waves or other transmission mechanisms, and may include any information delivery medium.

[0130] In the description of the embodiments of this application, the term "and / or" merely indicates a relationship describing the associated objects, meaning that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone. Additionally, the term "at least one" indicates any combination of at least two of a plurality of options, for example, including at least one of A, B, and C, which can represent any one or more elements selected from a set including communication between A, B, and C. Furthermore, the term "multiple" means two or more, unless otherwise precisely specified.

[0131] In the description of the embodiments of this application, the terms "first," "second," "third," "fourth," etc. (if present) are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0132] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A method for determining rebates based on an annuity account, characterized in that, include: The annuity service platform receives transaction orders from target users who make consumption on third-party platforms based on their annuity accounts. The transaction orders carry one or more service objects ordered by the target user and first rebate information determined for the service objects. The annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, which is determined in advance by the annuity service platform and the third-party platform. In response to the verification result that the first rebate information is incorrect, the annuity service platform returns the first rebate information to the third-party platform so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

2. The method according to claim 1, characterized in that, The annuity service platform is a health management platform used to manage the health service rights of users' annuity accounts. The health service rights include the rights information of the health service platform with payment permissions for users' annuity accounts. The third-party platform is a health service platform, and the service recipients are health service recipients, including health products and / or health services.

3. The method according to claim 1 or 2, characterized in that, The annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, including: The annuity service platform determines the second rebate information of the transaction order based on preset rebate mapping information, and verifies whether the first rebate information and the second rebate information are the same; In response to the verification result that the first rebate information and the second rebate information are different, the annuity service platform determines that the first rebate information has failed.

4. The method according to claim 3, characterized in that, The preset rebate mapping information includes the rebate percentage for all service recipients. The annuity service platform determines the second rebate information for the transaction order based on preset rebate mapping information, including: The annuity service platform determines the rebate ratio for each service recipient in the transaction order based on the preset rebate mapping information, and obtains the second rebate information of the transaction order based on the rebate ratio.

5. The method according to claim 1, characterized in that, Before the annuity service platform receives transaction orders from the target user for consumption on a third-party platform based on their annuity account, it also includes: The annuity service platform obtains all service items and corresponding rebate ratios of the target user's annuity account on the third-party platform and other third-party platforms; The annuity service platform abstracts all service items on the third-party platform and other third-party platforms into several service objects according to the service content, and classifies the several service objects based on the rebate ratio to obtain classification information; The annuity service platform synchronizes the classification information to the third-party platform. After receiving the confirmation result of the classification information from the third-party platform, it generates preset rebate mapping information based on the classification information.

6. The method according to claim 1, characterized in that, After the annuity service platform verifies the accuracy of the first rebate information based on preset rebate mapping information, it further includes: In response to the accurate verification result of the first rebate information, the annuity service platform verifies the health service rights corresponding to the annuity account based on the transaction order and stores the first rebate information.

7. The method according to claim 1, characterized in that, The methods for generating transaction orders for the target user's consumption on a third-party platform based on their annuity account include: The third-party platform will report the purchase orders made by the target user based on the annuity account on the third-party platform to the annuity business core platform; The annuity business core platform verifies the order and executes the transaction based on the verification result. The third-party platform generates the transaction order based on the transaction execution result of the annuity business core platform.

8. A rebate determination device based on an annuity account, characterized in that, include: The receiving module is configured to receive transaction orders from a target user on a third-party platform based on their annuity account. The transaction order carries one or more service objects ordered by the target user and first rebate information determined for the service objects. The rebate verification module is configured to verify whether the first rebate information is accurate based on preset rebate mapping information, wherein the preset rebate mapping information is determined in advance by the annuity service platform and the third-party platform; The return module is configured to, in response to a verification result indicating that the first rebate information is incorrect, return the first rebate information to the third-party platform, so that the third-party platform can re-determine the first rebate information of the transaction order and generate a new transaction order.

9. An electronic device, characterized in that, include: Memory and processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory, causing the electronic device to perform the return determination method based on an annuity account as described in any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the rebate determination method based on an annuity account as described in any one of claims 1-7.

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