Business processing method and apparatus

Abstract

Embodiments of the present specification provide a business processing method and device, wherein the business processing method is applied to a business platform, and includes: determining a business provider participating in a target business; reading business information and attribute information of the business provider, and constructing a channel contract associated with the target business according to the business information and the attribute information; detecting a business participation credential of the business provider by using the channel contract; updating the business participation credential according to a detection result, and sending the updated business participation credential to a business participant of the target business.

Description

Technical Field

[0001] The embodiments in this specification relate to the field of data processing technology, and in particular to business processing methods and apparatus. Background Technology

[0002] With the development of internet technology, more and more businesses are moving online to provide users with more convenient services. However, existing international acquiring businesses, due to system imperfections or a haphazard development process, often have rather crude and disorganized product logic. This necessitates a learning curve for maintenance personnel, potentially leading to resource losses. In this process, provider attribute information is a crucial parameter used to verify order accuracy after order generation. However, different business lines use different channels with varying business models, potentially leading to the arbitrary distribution of provider attribute information. This can cause unnecessary trouble for users due to chargebacks, highlighting the urgent need for an effective solution to these problems. Summary of the Invention

[0003] In view of the above, embodiments of this specification provide a business processing method. One or more embodiments of this specification also relate to a business processing apparatus, a business processing system, a computing device, a computer-readable storage medium, and a computer program, to address the technical deficiencies existing in the prior art.

[0004] According to a first aspect of the embodiments of this specification, a business processing method is provided, applied to a business platform, including:

[0005] Identify the business providers involved in the target business;

[0006] Read the business information and attribute information of the business provider, and construct a channel contract associated with the target business based on the business information and attribute information;

[0007] The business participation credentials of the business provider are detected using the channel contract.

[0008] The business participation certificate is updated based on the test results, and the updated business participation certificate is sent to the business participants of the target business.

[0009] In one optional embodiment, the service identifier information corresponding to the service provider is read as the attribute information of the service provider; the service scope information and service mode information corresponding to the service provider are read as the service information of the service provider; wherein, the service identifier information is used to locate the service provider, the service scope information is used to determine the service scope of the service provider, and the service mode information is used to verify the service mode.

[0010] In one optional embodiment, the initial channel contract associated with the target business is loaded; the initial channel contract is updated based on the business identification information, the business scope information, and the business model information to obtain the channel contract.

[0011] In one optional embodiment, a preset credential detection strategy is extracted from the channel contract; the business participation credential of the business provider is loaded according to the attribute information; and the business participation credential is detected using the credential detection strategy.

[0012] In one optional embodiment, if the detection result is that the detection passed, detection pass information is added to the business participation certificate, and the business participation certificate with the detection pass information added is used as the updated business participation certificate; if the detection result is that the detection failed, certificate error information is determined, and the update strategy corresponding to the certificate error information is loaded, and the business participation certificate is updated based on the update strategy.

[0013] In one optional embodiment, the business user, the business provider, and the business object are determined based on the business participation order; the object resource information associated with the business object is loaded, and credential registration information is determined based on the business user, the business provider, and the business object; the business participation credential is created based on the credential registration information and the object resource information.

[0014] In one optional embodiment, if the service provider is associated with a resource space or an indirect resource management platform, the channel contract is parsed; the credential structure verification logic corresponding to the service provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential structure verification logic.

[0015] In one optional embodiment, when the business provider is associated with a direct resource management platform, the channel contract is parsed; the credential verification logic corresponding to the business provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential verification logic.

[0016] According to a second aspect of the embodiments of this specification, a business processing apparatus is provided, applied to a business platform, comprising:

[0017] The determination module is configured to identify the business providers participating in the target business.

[0018] The reading module is configured to read the business information and attribute information of the business provider, and construct a channel contract associated with the target business based on the business information and attribute information;

[0019] The detection module is configured to detect the business participation credentials of the business provider using the channel contract;

[0020] The update module is configured to update the business participation certificate based on the detection results and send the updated business participation certificate to the business participants of the target business.

[0021] According to a third aspect of the embodiments of this specification, a business processing system is provided, including a business platform and a resource exchange platform, comprising:

[0022] The business platform is used to identify business providers participating in the target business; read the business information and attribute information of the business providers, and construct a channel contract associated with the target business based on the business information and attribute information; use the channel contract to detect the business participation credentials of the business providers; update the business participation credentials based on the detection results, and send the updated business participation credentials to the resource exchange platform.

[0023] The resource exchange platform is used to generate a resource exchange order based on the business participation certificate and send the resource exchange order to the business users participating in the target business.

[0024] According to a fourth aspect of the embodiments of this specification, a computing device is provided, comprising:

[0025] Memory and processor;

[0026] The memory is used to store computer-executable instructions, and the processor is used to implement the steps of any of the above-described business processing methods when executing the computer-executable instructions.

[0027] According to a fifth aspect of the embodiments of this specification, a computer-readable storage medium is provided that stores computer-executable instructions, which, when executed by a processor, implement the steps of the above-described business processing method.

[0028] According to a sixth aspect of the embodiments of this specification, a computer program is provided, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of the above-described business processing method.

[0029] The business processing method provided in this embodiment aims to reduce the operation and maintenance costs of the business platform and unify the verification logic, thereby facilitating the smooth transfer of order resources for downstream businesses. After identifying the business provider participating in the target business, it reads the business information and attribute information of the business provider, then constructs a channel contract associated with the target business based on this information. The channel contract is then used to verify the business provider's business participation credentials. Based on the verification results, the business participation credentials are updated and sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operation and maintenance costs for all participants in the target business, and increasing the success rate of downstream business order resource transfer, thus providing users with more convenient services. Attached Figure Description

[0030] Figure 1 This is a schematic diagram of a business processing method provided in one embodiment of this specification;

[0031] Figure 2 This is a flowchart illustrating a business processing method provided in one embodiment of this specification;

[0032] Figure 3 This is a schematic diagram of the structure of a service processing device provided in one embodiment of this specification;

[0033] Figure 4 This is a schematic diagram of the structure of a business processing system provided in one embodiment of this specification;

[0034] Figure 5 This is a flowchart illustrating the processing procedure of a business processing method provided in one embodiment of this specification.

[0035] Figure 6 This is a structural block diagram of a computing device provided in one embodiment of this specification. Detailed Implementation

[0036] Many specific details are set forth in the following description to provide a full understanding of this specification. However, this specification can be implemented in many other ways than those described herein, and those skilled in the art can make similar extensions without departing from the spirit of this specification. Therefore, this specification is not limited to the specific implementations disclosed below.

[0037] The terminology used in one or more embodiments of this specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of this specification. The singular forms “a,” “described,” and “the” as used in one or more embodiments of this specification and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items.

[0038] It should be understood that although the terms first, second, etc., may be used to describe various information in one or more embodiments of this specification, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, first may also be referred to as second without departing from the scope of one or more embodiments of this specification, and similarly, second may also be referred to as first. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to a determination."

[0039] First, the terms and concepts used in one or more embodiments of this specification will be explained.

[0040] Merchant Descriptor: A description of the merchant's name.

[0041] DBA: Doing Business As, is the part of the card deck used to identify the merchant's "brand" or business license name. Acquiring institutions typically obtain this information through the merchant's onboarding documents. Merchants usually set the DBA name to their own brand.

[0042] This specification provides a business processing method, and also relates to a business processing apparatus, a business processing system, a computing device, a computer-readable storage medium, and a computer program, which will be described in detail in the following embodiments.

[0043] In practical applications, the development of international acquiring services has brought more convenient services to users. The sources of merchants have diversified, including online acquiring, external acquiring, and wallet acquiring. Merchant tools have also become more intelligent, allowing operations to be performed through a portal. However, this has also brought some technical challenges. Because different business lines use different channels, and the business models under different channel scenarios vary, different business models also have different requirements for merchant names. This can lead to situations where merchant names are arbitrarily assigned, resulting in users discovering discrepancies when orders are transferred to them, leading to chargebacks. For example, a user might purchase game points on platform A, but the bill might show name B, with an amount of 19.99 USD. Upon checking, the user finds that the order name does not match the platform, resulting in a chargeback. Therefore, an effective solution is urgently needed to address these issues.

[0044] See Figure 1 The schematic diagram illustrates the business processing method provided in this embodiment. To reduce the operational costs of the business platform and unify verification logic, thereby facilitating the smooth transfer of order resources for downstream businesses, the method involves: after identifying the business provider participating in the target business, reading the business information and attribute information of the business provider, constructing a channel contract associated with the target business based on this information, and then using the channel contract to verify the business provider's business participation credentials. The verification results are used to update the business participation credentials, which are then sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operational costs for all participants in the target business, and increasing the success rate of downstream business order resource transfer, thus providing users with more convenient services.

[0045] Figure 2 A flowchart of a business processing method according to an embodiment of this specification is shown. The method is applied to a business platform and specifically includes the following steps.

[0046] Step S202: Identify the business providers involved in the target business.

[0047] Specifically, the business platform refers to a platform that provides the target business, including but not limited to product procurement platforms, short video browsing platforms, and text message browsing platforms. It's important to note that the business platform must at least provide resource transfer services, meaning that users can transfer their resources to the business provider by trading for goods. Correspondingly, the business provider refers to the party that provides users with purchasable goods, text, or short videos, such as a merchant. The target business refers to the business that the user participates in before the resource transfer with the business provider, which can provide users with product procurement services, short video browsing services, or text message browsing services, etc. This embodiment does not impose any limitations.

[0048] It should be noted that the business processing method provided in this embodiment is applied to international acquiring business. It verifies the name of the business provider in a complex acquiring context, thereby meeting the needs of downstream business.

[0049] Based on this, after a business user submits an order, due to the complexity of the business, it is necessary for multiple parties to jointly complete the transfer of resources. In this process, in order to reduce the operation and maintenance costs of each participant in the business and to verify the relevant attributes of the business provider, the business provider of the target business can be determined in advance on the business platform to facilitate subsequent verification and processing operations.

[0050] Furthermore, considering the strong concurrency capabilities of the business platform, in order to avoid confusion in the verification of each business provider, the business participation order implementation associated with the business user can be combined. In this embodiment, the specific implementation method is as follows:

[0051] In response to a business user's business participation request for the target business, a business participation order is determined; the business object is identified in the business participation order, and the business provider to which the business object belongs is determined.

[0052] Specifically, the "business user" refers to a user participating in the target business. For example, in a product procurement scenario, a business user is a user who purchases goods through a product procurement platform. Or, in a short video scenario, a business user is a user who watches videos through a short video playback app. Correspondingly, the "target business" refers to the business services that can be provided to business users, including but not limited to product procurement, short video playback, and text message browsing. Correspondingly, a business participation request refers to a request submitted by a business user when participating in the target business. This request can trigger subsequent business service operations. For example, in a product procurement scenario, a business participation request could be a purchase request submitted by a user when buying goods; or, in a video playback scenario, a business participation request could be a playback request submitted by a user when playing a video.

[0053] Accordingly, a business participation order specifically refers to an order generated in response to a business user's submitted business participation request. This order records information related to the target business being participated in, including but not limited to the business user's identity, resource consumption information, and object information. Similarly, a business object specifically refers to the object that the business user encounters when participating in the target business. For example, in a product procurement scenario, the business object could be the product selected by the user; in a short video playback scenario, the business object could be the video being played by the user.

[0054] Therefore, in order to accurately identify the service provider, a service participation order can be determined in response to the service participation request submitted by the service user for the target service; then, the service object can be identified in the service participation order, and the service provider to which the service object belongs can be identified, so as to facilitate subsequent use.

[0055] In summary, by combining business participation with order confirmation to determine the business provider, the accuracy of the business provider selection can be verified, thus facilitating subsequent use.

[0056] Step S204: Read the business information and attribute information of the business provider, and construct a channel contract associated with the target business based on the business information and attribute information.

[0057] Specifically, after identifying the business provider, in order to accurately detect the business participation credentials of the business provider, the business information and attribute information of the business provider can be read, and a channel contract associated with the target business can be constructed based on the business information and attribute information to facilitate verification using the channel contract.

[0058] Specifically, the business information refers to information describing the business services provided by the business provider. This information can be used to locate the business service provider and determine the type and scope of the business services offered. Correspondingly, the attribute information refers to the basic attribute information of the business provider itself. This information is used to ensure that the channel contract is associated with the business provider when constructing the channel contract, facilitating subsequent verification using the channel contract.

[0059] Furthermore, in determining business information and attribute information, in order to locate the specific business provider and further verify the accuracy of the model, business identification information, business scope information, and business model information can be combined. In this embodiment, the specific implementation method is as follows:

[0060] Read the business identification information corresponding to the business provider as the attribute information of the business provider; read the business scope information and business mode information corresponding to the business provider as the business information of the business provider; wherein, the business identification information is used to locate the business provider, the business scope information is used to determine the business scope of the business provider, and the business mode information is used to verify the business mode.

[0061] Specifically, the business identification information refers to the unique identity information of the corresponding business provider. Correspondingly, the business scope information describes the scope of business services provided by the business provider and can be used to verify the reasonableness of the business scope; similarly, the business model information describes the business service model of the business provider and can be used to verify the business model.

[0062] Based on this, the business identification information corresponding to the business provider can be read as the attribute information of the business provider; and the business scope information and business mode information corresponding to the business provider can be read as the business information of the business provider; wherein, the business identification information can be used to locate the business provider, the business scope information can be used to determine the business scope of the business provider, and the business mode information can be used to verify the business mode.

[0063] For example, in international business scenarios, business identification information is the merchant ID or merchant identifier, which can locate a specific merchant. Business scope information is the merchant's service scope information, which can specify whether it is internal or external business of the group. Business model information is the merchant's business model, which can further verify the correctness of the model. It is convenient to combine business identification information, business scope information and business model information to verify the merchant name in the future. In this way, users can ensure that the payment merchant is the merchant corresponding to their shopping needs when paying for an order.

[0064] In summary, by combining business identification information, business model information, and business scope information to determine business information and attribute information, it is easier to use them in the future to construct channel contracts that match the current business scenario.

[0065] Furthermore, when constructing channel contracts, in order to verify business participation credentials from multiple dimensions, the above information can be combined. In this embodiment, the specific implementation method is as follows:

[0066] Load the initial channel contract associated with the target business; update the initial channel contract based on the business identification information, the business scope information, and the business model information to obtain the channel contract.

[0067] Specifically, the initial channel contract refers to the channel contract that has been set up for the target business. This channel contract can be directly used for the verification of business participation credentials, but the accuracy of subsequent verification is higher when combined with business identification information, business scope information and business model information.

[0068] Based on this, the initial channel contract associated with the target business can be loaded first; then the initial channel contract can be updated based on the business identification information, business scope information and business model information to obtain the channel contract.

[0069] For example, in international business scenarios, the channel contracts in the financial exchange field of payment platforms already have the logical conditions to determine the correct and reasonable merchant bill names. On this basis, in order to further improve the accuracy of verification, the read business identification information, business scope information and business model information can be updated into the existing channel contracts to obtain the channel contracts corresponding to the current scenario for subsequent use.

[0070] In practical applications, when integrating business identification information, business scope information, and business model information into a pre-set initial channel contract, the parameters can be assigned according to the set execution logic. This enables the channel contract to run and be used after the business identification information, business scope information, and business model information are written into it. The set execution logic can be set according to actual needs, and this embodiment does not impose any limitations on it.

[0071] In summary, since the initial channel contract of the business platform in actual international business applications already has the logical conditions to determine the correct and reasonable merchant billing name, adding the corresponding attribute information on this basis can enable the construction of a channel contract for the current business scenario.

[0072] Step S206: Use the channel contract to detect the business participation credentials of the business provider.

[0073] Specifically, after the channel contract is constructed, in order to check the business participation credentials before the user transfers resources and avoid the order being unable to be completed, the channel contract can be used to perform preliminary checks on the business participation credentials, so as to perform preliminary checks on behalf of the user before the resource transfer.

[0074] Specifically, the business participation credential refers to a resource transfer credential containing the name of the business provider. Business users can use the business participation credential to verify whether the recipient of the resource transfer is the business provider, thereby achieving identity verification during resource transfer. Based on this, after obtaining the channel contract, to avoid the problem of business users refusing to transfer resources, the channel contract can be used to check the business provider's business participation credential for subsequent use.

[0075] In practice, different business scenarios involve different business services, business scopes, and business models. Therefore, when using channel contracts to detect business participation credentials, different detection dimensions can be selected according to actual needs to ensure that business participation credentials can be fully detected in the current business scenario, thereby saving users the detection operation before resource transfer and improving the success rate of resource transfer.

[0076] To achieve accurate detection of business participation credentials, the business participation credentials can be identified first before implementation. In this embodiment, the specific implementation method is as follows:

[0077] The business user, the business provider, and the business object are determined based on the business participation order; the object resource information associated with the business object is loaded; and the credential registration information is determined based on the business user, the business provider, and the business object; the business participation credential is created based on the credential registration information and the object resource information.

[0078] Specifically, object resource information refers to the resources consumed when a business object is transferred. This object resource information can be descriptive information about computer resources consumed, information about funds consumed during a commodity transaction, or information about bandwidth consumed during short video playback, etc. Correspondingly, voucher registration information refers to order voucher-related information used to record resource transfers between business users, business providers, and business objects.

[0079] Based on this, in order to perform accurate detection, the business user, business provider, and business object can be determined according to the business participation order; then, the object resource information associated with the business object is loaded, and the credential registration information is determined according to the business user, business provider, and business object; finally, a business participation credential is created based on the credential registration information and object resource information to facilitate detection through the channel contract.

[0080] For example, a user in country C purchases game points for a game in country M through platform A. This payment process requires the use of country M's currency, which differs from that of country C. The amount is 19.99. Upon purchase, the user will be required to transfer 19.99 to the merchant providing the game points, in country M's currency. To ensure order security and facilitate payment completion, a payment voucher can be created based on the purchased item (game points), platform A's information, and the user's information. This voucher, combined with the payment amount, creates a purchase receipt for the game points, allowing for subsequent verification using the channel contract and saving the user the trouble of checking the receipt during payment.

[0081] In summary, by combining credential registration information and object resource information to construct business participation credentials, it is possible to include the information that business users need to verify in the credentials, thereby facilitating identity verification for business users.

[0082] Furthermore, when verifying business participation credentials, considering that different business providers may correspond to different business participation credentials, and different business participation credentials require different credential detection strategies to complete the detection, it is necessary to select a credential detection strategy corresponding to the current scenario to implement the detection. In this embodiment, the specific implementation method is as follows:

[0083] Extract a preset credential detection strategy from the channel contract; load the business participation credential of the business provider based on the attribute information; and use the credential detection strategy to detect the business participation credential.

[0084] Specifically, the voucher detection strategy refers to the strategy used to detect different types of business participation vouchers. In actual implementation, different voucher detection strategies can be set according to actual needs to detect any type of business participation voucher; this embodiment does not impose any limitations.

[0085] Therefore, in order to achieve accuracy during the detection process, a targeted approach can be adopted, namely, extracting a preset credential detection strategy from the channel contract; loading the business participation credentials of the business provider based on attribute information; and then using the credential detection strategy to detect the business participation credentials.

[0086] Furthermore, different credential verification strategies can be implemented in the following ways:

[0087] (1) In the case of the business provider's associated resource space or indirect resource management platform, the channel contract is parsed; the credential structure verification logic corresponding to the business provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential structure verification logic.

[0088] Based on this, when the business provider is associated with a resource space or indirect resource management platform, it indicates that the business provider may be a wallet or a secondary agent. Therefore, the channel contract can be parsed. The parsing results determine the corresponding credential structure verification logic for the business provider, and then the credential detection strategy is determined based on this logic. Specifically, the credential structure verification logic is used to detect the name structure of the business provider in the business participation credential.

[0089] For example, if the service provider is SDWO, then the corresponding verification logic is XXXXX(SDWO NAME)*XXXX(MERCHANT NAME). Then, determine the corresponding APAYHK*AEXPRESS for the service provider, and then check the APAYHK*AEXPRESS for the service provider based on the verification logic. If it passes, it means that the merchant name in the subsequent payment order is consistent with the merchant providing the goods, which makes it convenient for users to make payments.

[0090] For example, if the service provider is PF, then its corresponding validation logic can be selected as XXXXX(PFNAME)*XXXX(MERCHANT NAME). Then, the service provider's corresponding YM*AEXPRESS is determined, which means YM is PF and AEXPRESS is the merchant. At this time, the validation logic can be used to check the service provider's corresponding YM*AEXPRESS. If it passes, it means that the merchant name in the subsequent payment order is consistent with the merchant providing the goods, which makes it convenient for users to make payments.

[0091] (2) In the case where the business provider is associated with a direct resource management platform, the channel contract is parsed; the credential process verification logic corresponding to the business provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential process verification logic.

[0092] Based on this, when the business provider is associated with a direct resource management platform, it indicates that the business provider may be a specific merchant, payment platform, or acquiring institution. Therefore, the channel contract can be parsed. The parsing results determine the corresponding voucher process verification logic for the business provider, and the voucher detection strategy is determined based on this logic. This allows for the use of the voucher process verification logic to detect the name structure of the business provider in the business participation voucher.

[0093] For example, if the service provider is AMEX, the corresponding verification logic is as follows: 1. In AMEX's acquiring GFSG file, pre-set multiple MIDs for merchants, acquiring institutions, and different regions. Each identity, in each region, will be displayed in the user's bill. 2. When the transaction is sent to the financial department, verification is performed based on the merchant's acquiring region and PID to configure the appropriate MID for the merchant region, which is then uploaded to AMEX. The rule is XXXXXX (MERCHANTNAME) SINGAPORE, determining the corresponding ASINGAPORE and AEU for the service provider. Then, based on the above rules, the corresponding A SINGAPORE and A EU for the service provider can be checked. If it passes, it means that the merchant name in the subsequent payment order matches the merchant providing the goods, facilitating user payment.

[0094] In summary, by employing different verification methods, checks can be performed and appropriate replacements made before transactions are sent to acquiring institutions, thereby reducing operational costs and increasing the flexibility of international acquiring business.

[0095] Step S208: Update the business participation certificate according to the detection result, and send the updated business participation certificate to the business participants of the target business.

[0096] Specifically, after the business participation credentials are tested using the channel contract, they can be updated based on the test results to obtain business participation credentials that meet the usage requirements. The updated business participation credentials can then be sent to the business participants of the target business.

[0097] Furthermore, when updating business participation credentials, in order to ensure that the correct business participation credentials are fed back to the business participants, thereby reducing the occurrence of business users refusing to transfer resources, the update can be completed in conjunction with detection information. In this embodiment, the specific implementation method is as follows:

[0098] If the test result is that the test is passed, add the test pass information to the business participation certificate, and use the business participation certificate with the test pass information added as the updated business participation certificate;

[0099] If the detection result is that the detection fails, the voucher error information is determined, the update strategy corresponding to the voucher error information is loaded, and the business participation voucher is updated based on the update strategy.

[0100] Therefore, if the test result is "test passed," it indicates there are no problems. In this case, "test passed" information can be added to the business participation certificate, and the business participation certificate with the added "test passed" information can be used as the updated business participation certificate; this can then be sent to the business participant. If the test result is "test failed," it indicates there are problems. In this case, the certificate error information can be identified, and the update strategy corresponding to the certificate error information can be loaded. Based on the update strategy, the business participation certificate can be updated, and the updated result can be sent to the business participant.

[0101] In summary, updating business participation credentials can reduce subsequent institutional maintenance costs and increase the flexibility of international business. It also unifies processing logic, helps improve the overall transaction processing success rate, and reduces the need for unnecessary and redundant MID issuance.

[0102] The business processing method provided in this embodiment aims to reduce the operation and maintenance costs of the business platform and unify the verification logic, thereby facilitating the smooth transfer of order resources for downstream businesses. After identifying the business provider participating in the target business, it reads the business information and attribute information of the business provider, then constructs a channel contract associated with the target business based on this information. The channel contract is then used to verify the business provider's business participation credentials. Based on the verification results, the business participation credentials are updated and sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operation and maintenance costs for all participants in the target business, and increasing the success rate of downstream business order resource transfer, thus providing users with more convenient services.

[0103] Corresponding to the above method embodiments, this specification also provides embodiments of a business processing apparatus. Figure 3 A schematic diagram of a service processing apparatus according to one embodiment of this specification is shown. Figure 3 As shown, the device is applied to a business platform and includes:

[0104] Module 302 is configured to determine the service providers participating in the target service.

[0105] The reading module 304 is configured to read the business information and attribute information of the business provider, and construct a channel contract associated with the target business based on the business information and attribute information;

[0106] The detection module 306 is configured to detect the business participation credentials of the business provider using the channel contract;

[0107] The update module 308 is configured to update the business participation certificate based on the detection result and send the updated business participation certificate to the business participants of the target business.

[0108] In an optional embodiment, the determining module 302 is further configured to:

[0109] In response to a business user's business participation request for the target business, a business participation order is determined; the business object is identified in the business participation order, and the business provider to which the business object belongs is determined.

[0110] In an optional embodiment, the reading module 304 is further configured to:

[0111] Read the business identification information corresponding to the business provider as the attribute information of the business provider; read the business scope information and business mode information corresponding to the business provider as the business information of the business provider; wherein, the business identification information is used to locate the business provider, the business scope information is used to determine the business scope of the business provider, and the business mode information is used to verify the business mode.

[0112] In an optional embodiment, the reading module 304 is further configured to:

[0113] Load the initial channel contract associated with the target business; update the initial channel contract based on the business identification information, the business scope information, and the business model information to obtain the channel contract.

[0114] In an optional embodiment, the detection module 306 is further configured to:

[0115] Extract a preset credential detection strategy from the channel contract; load the business participation credential of the business provider based on the attribute information; and use the credential detection strategy to detect the business participation credential.

[0116] In an optional embodiment, the update module 308 is further configured to:

[0117] If the test result is "test passed", the test pass information is added to the business participation certificate, and the business participation certificate with the test pass information is used as the updated business participation certificate; if the test result is "test failed", the certificate error information is determined, the update strategy corresponding to the certificate error information is loaded, and the business participation certificate is updated based on the update strategy.

[0118] In an optional embodiment, the determination of the service participation credential includes:

[0119] The business user, the business provider, and the business object are determined based on the business participation order; the object resource information associated with the business object is loaded; and the credential registration information is determined based on the business user, the business provider, and the business object; the business participation credential is created based on the credential registration information and the object resource information.

[0120] In an optional embodiment, the detection module 306 is further configured to:

[0121] In the case of the business provider's associated resource space or indirect resource management platform, the channel contract is parsed; based on the parsing result, the credential structure verification logic corresponding to the business provider is determined, and the credential detection strategy is determined based on the credential structure verification logic.

[0122] In an optional embodiment, the detection module 306 is further configured to:

[0123] When the business provider is associated with a direct resource management platform, the channel contract is parsed; based on the parsing results, the credential verification logic corresponding to the business provider is determined, and the credential detection strategy is determined based on the credential verification logic.

[0124] In summary, to reduce the operational costs of the business platform and unify the verification logic to facilitate smooth order resource transfer for downstream businesses, after identifying the business providers participating in the target business, the business information and attribute information of the business providers can be read. Then, a channel contract associated with the target business can be constructed based on this information. The channel contract is then used to verify the business provider's participation credentials. Based on the verification results, the participation credentials are updated and sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operational costs for all participants in the target business, and increasing the success rate of order resource transfer for downstream businesses, thus providing users with more convenient services.

[0125] The above is an illustrative scheme of a business processing apparatus according to this embodiment. It should be noted that the technical solution of this business processing apparatus and the technical solution of the business processing method described above belong to the same concept. For details not described in detail in the technical solution of the business processing apparatus, please refer to the description of the technical solution of the business processing method described above.

[0126] Corresponding to the above method embodiments, this specification also provides embodiments of the business unit system. Figure 4 A schematic diagram of the structure of a business processing system provided in one embodiment of this specification is shown. Figure 4 As shown, the business processing system 400 includes a business platform 410 and a resource exchange platform 420, including:

[0127] The business platform 410 is used to determine the business providers participating in the target business; read the business information and attribute information of the business providers, and construct a channel contract associated with the target business based on the business information and attribute information; use the channel contract to detect the business participation credentials of the business providers; update the business participation credentials based on the detection results, and send the updated business participation credentials to the resource exchange platform.

[0128] The resource exchange platform 420 is used to generate a resource exchange order based on the business participation certificate and send the resource exchange order to the business users participating in the target business.

[0129] In an optional embodiment, the business platform 410 is configured to, in response to a business participation request submitted by a business user for the target business, determine a business participation order; determine a business object in the business participation order; and determine the business provider to which the business object belongs.

[0130] In an optional embodiment, the service platform 410 is configured to read the service identification information corresponding to the service provider as the attribute information of the service provider; and read the service scope information and service mode information corresponding to the service provider as the service information of the service provider; wherein, the service identification information is used to locate the service provider, the service scope information is used to determine the service scope of the service provider, and the service mode information is used to verify the service mode.

[0131] In an optional embodiment, the business platform 410 is used to load the initial channel contract associated with the target business; and update the initial channel contract based on the business identification information, the business scope information, and the business model information to obtain the channel contract.

[0132] In one optional embodiment, the business platform 410 is configured to extract a preset credential detection strategy from the channel contract; load the business participation credential of the business provider according to the attribute information; and detect the business participation credential using the credential detection strategy.

[0133] In an optional embodiment, the service platform 410 is configured to add detection pass information to the service participation certificate when the detection result is a successful detection, and use the service participation certificate with the detection pass information added as the updated service participation certificate; when the detection result is a failed detection, determine the certificate error information, load the update strategy corresponding to the certificate error information, and update the service participation certificate based on the update strategy.

[0134] In an optional embodiment, the business platform 410 is configured to determine the business user, the business provider, and the business object based on the business participation order; load the object resource information associated with the business object; and determine credential registration information based on the business user, the business provider, and the business object; and create the business participation credential based on the credential registration information and the object resource information.

[0135] In an optional embodiment, the business platform 410 is configured to parse the channel contract when the business provider is associated with a resource space or an indirect resource management platform; determine the credential structure verification logic corresponding to the business provider based on the parsing result; and determine the credential detection strategy based on the credential structure verification logic.

[0136] In an optional embodiment, the business platform 410 is configured to parse the channel contract when the business provider is associated with a direct resource management platform; determine the credential process verification logic corresponding to the business provider based on the parsing result; and determine the credential detection strategy based on the credential process verification logic.

[0137] In summary, to reduce the operational costs of the business platform and unify the verification logic to facilitate smooth order resource transfer for downstream businesses, after identifying the business providers participating in the target business, the business information and attribute information of the business providers can be read. Then, a channel contract associated with the target business can be constructed based on this information. The channel contract is then used to verify the business provider's participation credentials. Based on the verification results, the participation credentials are updated and sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operational costs for all participants in the target business, and increasing the success rate of order resource transfer for downstream businesses, thus providing users with more convenient services.

[0138] The above is an illustrative scheme of a business office system according to this embodiment. It should be noted that the technical solution of this business office system and the technical solution of the business office method described above belong to the same concept. For details not described in detail in the technical solution of the business office system, please refer to the description of the technical solution of the business office method described above.

[0139] The following is in conjunction with the appendix Figure 5 Taking the application of the business processing method provided in this specification in a merchant name verification scenario as an example, the business processing method will be further explained. Figure 5 This specification illustrates a process flowchart of a business processing method according to an embodiment, which specifically includes the following steps.

[0140] Step S502: In response to the business user's business participation request for the target business, determine the business participation order.

[0141] Step S504: Identify the business object in the business participation order and determine the business provider to which the business object belongs.

[0142] Step S506: Read the service identifier information corresponding to the service provider as the attribute information of the service provider.

[0143] Step S508: Read the business scope information and business model information corresponding to the business provider, and use them as the business information of the business provider.

[0144] Step S510: Load the initial channel contract associated with the target business.

[0145] Step S512: Update the initial channel contract based on attribute information, business scope information, and business model information to obtain the channel contract.

[0146] Step S514: Extract the preset credential detection strategy from the channel contract.

[0147] Step S516: Load the business participation credentials of the business provider based on the attribute information.

[0148] Step S518: Use the voucher detection strategy to detect the vouchers used in the business.

[0149] Step S520: Update the business participation certificate according to the detection results, and send the updated business participation certificate to the business participants of the target business.

[0150] For example, if the service provider is SDWO, then the corresponding verification logic is XXXXX(SDWO NAME)*XXXX(MERCHANT NAME). Then, determine the corresponding APAYHK*AEXPRESS for the service provider, and then check the APAYHK*AEXPRESS for the service provider based on the verification logic. If it passes, it means that the merchant name in the subsequent payment order is consistent with the merchant providing the goods, which makes it convenient for users to make payments.

[0151] Alternatively, if the service provider is PF, then its corresponding validation logic can be set to XXXXX(PFNAME)*XXXX(MERCHANT NAME). Then, the service provider's corresponding YM*AEXPRESS is determined, where YM is PF and AEXPRESS is the merchant. At this point, the validation logic can be used to check the service provider's corresponding YM*AEXPRESS. If it passes, it means that the merchant name in the subsequent payment order is consistent with the merchant providing the goods, making it convenient for users to make payments.

[0152] Alternatively, if the service provider is AMEX, then its corresponding verification logic is as follows: 1. In AMEX's acquiring GFSG file, pre-set multiple MIDs for merchants, acquiring institutions, and different regions. Each identity, in each region, will be displayed in the user's bill. 2. When the transaction is sent to the financial department, verification is performed based on the merchant's acquiring region and PID to configure the appropriate MID for the merchant region, and then uploaded to AMEX. The rule is XXXXXX (MERCHANT NAME) SINGAPORE. To determine the service provider's corresponding SINGAPORE, A EU, the above rule can be used to check the A SINGAPORE and A EU corresponding to the service provider. If it passes, it means that the merchant name in the subsequent payment order matches the merchant providing the goods, facilitating user payment.

[0153] In summary, to reduce the operational costs of the business platform and unify the verification logic to facilitate smooth order resource transfer for downstream businesses, after identifying the business providers participating in the target business, the business information and attribute information of the business providers can be read. Then, a channel contract associated with the target business can be constructed based on this information. The channel contract is then used to verify the business provider's participation credentials. Based on the verification results, the participation credentials are updated and sent to the business participants in the target business. This achieves verification before the business platform issues the credentials, enabling unified credential verification, saving operational costs for all participants in the target business, and increasing the success rate of order resource transfer for downstream businesses, thus providing users with more convenient services.

[0154] Figure 6 A structural block diagram of a computing device 600 according to one embodiment of this specification is shown. The components of the computing device 600 include, but are not limited to, a memory 610 and a processor 620. The processor 620 is connected to the memory 610 via a bus 630, and a database 650 is used to store data.

[0155] The computing device 600 also includes an access device 640, which enables the computing device 600 to communicate via one or more networks 660. Examples of these networks include Public Switched Telephone Network (PSTN), Local Area Network (LAN), Wide Area Network (WAN), Personal Area Network (PAN), or combinations of communication networks such as the Internet. The access device 640 may include one or more of any type of wired or wireless network interface (e.g., a network interface card (NIC)), such as an IEEE 802.11 Wireless Local Area Network (WLAN) wireless interface, a Wi-MAX (Worldwide Interoperability for Microwave Access) interface, an Ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a Bluetooth interface, a Near Field Communication (NFC) interface, and so on.

[0156] In one embodiment of this application, the aforementioned components of the computing device 600 and Figure 6 Other components, not shown, can also be connected to each other, for example, via a bus. It should be understood that... Figure 6 The block diagram of the computing device shown is for illustrative purposes only and is not intended to limit the scope of this application. Those skilled in the art can add or replace other components as needed.

[0157] The computing device 600 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (e.g., tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (e.g., smartphones), wearable computing devices (e.g., smartwatches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or personal computers (PCs). The computing device 600 can also be a mobile or stationary server.

[0158] The processor 620 is configured to execute the following computer-executable instructions, which, when executed by the processor, implement the following method:

[0159] Identify the business providers involved in the target business;

[0160] Read the business information and attribute information of the business provider, and construct a channel contract associated with the target business based on the business information and attribute information;

[0161] The business participation credentials of the business provider are detected using the channel contract.

[0162] The business participation certificate is updated based on the test results, and the updated business participation certificate is sent to the business participants of the target business.

[0163] In one optional embodiment, the service identifier information corresponding to the service provider is read as the attribute information of the service provider; the service scope information and service mode information corresponding to the service provider are read as the service information of the service provider; wherein, the service identifier information is used to locate the service provider, the service scope information is used to determine the service scope of the service provider, and the service mode information is used to verify the service mode.

[0164] In one optional embodiment, the initial channel contract associated with the target business is loaded; the initial channel contract is updated based on the business identification information, the business scope information, and the business model information to obtain the channel contract.

[0165] In one optional embodiment, a preset credential detection strategy is extracted from the channel contract; the business participation credential of the business provider is loaded according to the attribute information; and the business participation credential is detected using the credential detection strategy.

[0166] In one optional embodiment, if the detection result is that the detection passed, detection pass information is added to the business participation certificate, and the business participation certificate with the detection pass information added is used as the updated business participation certificate; if the detection result is that the detection failed, certificate error information is determined, and the update strategy corresponding to the certificate error information is loaded, and the business participation certificate is updated based on the update strategy.

[0167] In one optional embodiment, the business user, the business provider, and the business object are determined based on the business participation order; the object resource information associated with the business object is loaded, and credential registration information is determined based on the business user, the business provider, and the business object; the business participation credential is created based on the credential registration information and the object resource information.

[0168] In one optional embodiment, if the service provider is associated with a resource space or an indirect resource management platform, the channel contract is parsed; the credential structure verification logic corresponding to the service provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential structure verification logic.

[0169] In one optional embodiment, when the business provider is associated with a direct resource management platform, the channel contract is parsed; the credential verification logic corresponding to the business provider is determined based on the parsing result, and the credential detection strategy is determined based on the credential verification logic.

[0170] The above is an illustrative scheme of a computing device according to this embodiment. It should be noted that the technical solution of this computing device and the technical solution of the above-described business processing method belong to the same concept. For details not described in detail in the technical solution of the computing device, please refer to the description of the technical solution of the above-described business processing method.

[0171] An embodiment of this specification also provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of a business processing method.

[0172] The above is an illustrative scheme of a computer-readable storage medium according to this embodiment. It should be noted that the technical solution of this storage medium and the technical solution of the above-described business processing method belong to the same concept. For details not described in detail in the technical solution of the storage medium, please refer to the description of the technical solution of the above-described business processing method.

[0173] An embodiment of this specification also provides a computer program, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of a business processing method.

[0174] The above is an illustrative scheme of a computer program according to this embodiment. It should be noted that the technical solution of this computer program and the technical solution of the above-described business processing method belong to the same concept. For details not described in detail in the technical solution of the computer program, please refer to the description of the technical solution of the above-described business processing method.

[0175] 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.

[0176] The computer instructions include computer program code, which may be in the form of source code, object code, executable file, or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording media, USB flash drive, portable hard drive, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electrical carrier signals, telecommunication signals, and software distribution media, etc. It should be noted that the content included in the computer-readable medium may be appropriately added to or subtracted according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media may not include electrical carrier signals and telecommunication signals.

[0177] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that the embodiments in this specification are not limited to the described order of actions, because according to the embodiments in this specification, some steps can be performed in other orders or simultaneously. Furthermore, those skilled in the art should also understand that the embodiments described in this specification are all preferred embodiments, and the actions and modules involved are not necessarily essential to the embodiments in this specification.

[0178] In the above embodiments, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions in other embodiments.

[0179] The preferred embodiments disclosed above are merely illustrative of this specification. The optional embodiments do not exhaustively describe all details, nor do they limit the invention to the specific implementations described. Clearly, many modifications and variations can be made based on the embodiments described herein. These embodiments are selected and specifically described in this specification to better explain the principles and practical applications of the embodiments, thereby enabling those skilled in the art to better understand and utilize this specification. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. A service processing method applied to a service platform, comprising: determining a service provider participating in a target service; reading service information and attribute information of the service provider, and constructing a channel contract associated with the target service according to the service information and the attribute information, wherein the channel contract carries a preset credential detection strategy; detecting a service participation credential of the service provider by using the preset credential detection strategy in the channel contract; updating the service participation credential according to a detection result, and sending the updated service participation credential to a service participant of the target service; wherein the constructing the channel contract associated with the target service according to the service information and the attribute information comprises: loading an initial channel contract associated with the target service; updating the initial channel contract based on the service information and the attribute information to obtain the channel contract; and the determination of the service participation credential comprises: determining a service user, the service provider and a service object according to a service participation order; loading object resource information associated with the service object, and determining credential registration information according to the service user, the service provider and the service object; and creating the service participation credential based on the credential registration information and the object resource information.

2. The method of claim 1, wherein the determining the service provider participating in the target service comprises: determining a service participation order in response to a service participation request submitted by a service user for the target service; and determining a service object in the service participation order, and determining a service provider to which the service object belongs.

3. The method of claim 1, wherein the reading the service information and the attribute information of the service provider comprises: reading business identification information corresponding to the service provider as attribute information of the service provider; and reading business range information and business mode information corresponding to the service provider as service information of the service provider; wherein the business identification information is used to locate the service provider, the business range information is used to determine a business range of the service provider, and the business mode information is used to verify a business mode.

4. The method of any one of claims 1-3, wherein the detecting the service participation credential of the service provider by using the channel contract comprises: extracting a preset credential detection strategy in the channel contract; loading the service participation credential of the service provider according to the attribute information; and detecting the service participation credential by using the credential detection strategy.

5. The method of claim 1, wherein the updating the service participation credential according to the detection result comprises: in a case where the detection result is a detection pass, adding detection pass information in the service participation credential, and taking the service participation credential with the added detection pass information as an updated service participation credential; and in a case where the detection result is a detection fail, determining credential error information, loading an update strategy corresponding to the credential error information, and updating the service participation credential based on the update strategy. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 6. The method of claim 4, wherein the extracting of the preset credential detection strategy in the channel contract comprises: parsing the channel contract in the case of the business provider associated resource space or indirect resource management platform; determining the credential structure verification logic corresponding to the business provider according to the parsing result, and determining the credential detection strategy according to the credential structure verification logic.

7. The method of claim 4, wherein the extracting of the preset credential detection strategy in the channel contract comprises: parsing the channel contract in the case of the business provider associated direct resource management platform; determining the credential flow verification logic corresponding to the business provider according to the parsing result, and determining the credential detection strategy according to the credential flow verification logic.

8. A business processing apparatus applied to a business platform, comprising: a determination module configured to determine a business provider participating in a target business; a reading module configured to read business information and attribute information of the business provider, and construct a channel contract associated with the target business according to the business information and the attribute information; loading an initial channel contract associated with the target business; updating the initial channel contract based on the business information and the attribute information to obtain the channel contract; a detection module configured to detect a business participation credential of the business provider by using the channel contract; extracting a preset credential detection strategy in the channel contract; loading the business participation credential of the business provider according to the attribute information; detecting the business participation credential by using the credential detection strategy, wherein the determination of the business participation credential comprises: determining a business user, the business provider and a business object according to a business participation order, loading object resource information associated with the business object, and determining credential registration information according to the business user, the business provider and the business object; creating the business participation credential based on the credential registration information and the object resource information; an updating module configured to update the business participation credential according to a detection result, and send the updated business participation credential to a business participant of the target business.

9. A business processing system comprising a business platform and a resource exchange platform, comprising: the business platform configured to determine a business provider participating in a target business; reading business information and attribute information of the business provider, loading an initial channel contract associated with the target business; updating the initial channel contract based on the business information and the attribute information to obtain a channel contract; determining a business user, the business provider and a business object according to a business participation order; loading object resource information associated with the business object, and determining credential registration information according to the business user, the business provider and the business object; create a business participation credential based on the credential registration information and the object resource information; extract a preset credential detection strategy in the channel contract; detect the business participation credential of the business provider by using the credential detection strategy; update the business participation credential according to a detection result, and send the updated business participation credential to the resource exchange platform; The resource exchange platform is configured to generate a resource exchange order according to the business participation credential, and send the resource exchange order to a business user participating in the target business. 10.A computing device, comprising: a memory and a processor; The memory is configured to store computer executable instructions, and the processor is configured to execute the computer executable instructions, and the computer executable instructions, when executed by the processor, implement the steps of the method in any one of claims 1 to 7. 11.A computer readable storage medium storing computer executable instructions, and the computer executable instructions, when executed by a processor, implement the steps of the method in any one of claims 1 to 7.

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