Business processing method and related equipment

Abstract

The embodiment of the present application provides a business processing method and related equipment, which includes: obtaining N business data generated by business transactions in a first business scenario within a preset time period, where the first business scenario supports a first payment method; obtaining the type of payment object in the N business data, where the type of payment object indicates that the payment object has permission to use the first payment method; based on the type of payment object in the N business data, selecting P target business data from the N business data; based on the payment method in the P target business data, performing statistical analysis on the P target business data to determine business indicators for the first business scenario, where the business indicators for the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. The business indicators can be analyzed in combination with the actual situation of the business scenario, thereby accurately quantifying the usage of the payment method in the specific business scenario.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a business processing method, a business processing apparatus, a computer device, a computer-readable storage medium, and a computer program product. Background Art

[0002] With the increasing diversity of internet services, payment methods are also becoming increasingly diverse. For example, payment methods can include QR code scanning, facial recognition, palm recognition, and fingerprint payment. These diverse payment methods provide a convenient payment experience for business transactions. Faced with a multitude of payment methods, how to more accurately measure their usage to better provide business services has become a critical technical issue. Currently, the measurement of payment method usage mainly relies on metrics related to business transaction orders, such as payment amount and average order value. This approach is relatively simple, the quantification of indicators is superficial, and it cannot accurately reflect the actual usage of payment methods. Summary of the Invention

[0003] The embodiments of the present application provide a business processing method and related equipment, which can analyze business indicators in combination with the actual situation of the business scenario, thereby accurately quantifying the usage of payment methods in specific business scenarios.

[0004] On the one hand, an embodiment of the present application provides a service processing method, which includes:

[0005] Obtain N business data generated by business transactions in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of the payment object and the payment method used in the business transaction; N is an integer;

[0006] Obtaining the types of payment objects in N business data; the types of payment objects include a first type, and the payment objects of the first type have permission to use the first payment method;

[0007] Based on the types of payment objects in the N business data, P target business data are selected from the N business data; the payment objects represented by the payment object identifiers contained in the P target business data are all payment objects of the first type; P is an integer and P is less than or equal to N;

[0008] Based on the payment methods in the P target business data, statistical analysis is performed on the P target business data to determine business indicators for the first business scenario; the business indicators for the first business scenario are used to quantify the usage of the first payment method within a preset time period in the first business scenario.

[0009] Accordingly, an embodiment of the present application provides a service processing device, which includes:

[0010] An acquisition unit, configured to acquire N business data generated by a business transaction in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of a payment object and a payment method used in the business transaction; and N is an integer;

[0011] The acquiring unit is further configured to acquire the type of the payment object in the N business data; the type of the payment object includes a first type, and the payment object of the first type has permission to use the first payment method;

[0012] a processing unit configured to select P target business data from the N business data based on the types of payment objects in the N business data; the payment objects indicated by the payment object identifiers included in the P target business data are all payment objects of the first type; and P is an integer and is less than or equal to N;

[0013] The processing unit is also used to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario; the business indicators of the first business scenario are used to quantify the usage of the first payment method within a preset time period in the first business scenario.

[0014] In one implementation, the business indicator of the first business scenario includes at least one of the following: available utilization rate, usage frequency, retention rate, and priority utilization rate; wherein,

[0015] The available utilization rate is used to quantify the usage ratio of the first payment method in the first business scenario within a preset time period;

[0016] The usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0017] The retention rate is used to quantify the retention of payment recipients who use the first payment method within a preset time period in the first business scenario;

[0018] The priority usage rate is used to quantify the situation in which the first payment method is preferentially used within a preset time period in the first business scenario.

[0019] In one implementation, the business indicator of the first business scenario includes an available usage rate; the available usage rate is used to quantify the proportion of the first payment method used in the first business scenario within a preset time period;

[0020] The processing unit is configured to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically to execute the following steps:

[0021] Count the total number of first payment methods included in P target business data;

[0022] Count the total number of all payment methods included in the P target business data; where all payment methods include the first payment method and other payment methods except the first payment method;

[0023] Calculate the ratio between the total number of first payment methods included in the P target business data and the total number of all payment methods included in the P target business data;

[0024] The quantity ratio is determined as the availability rate.

[0025] In one implementation, the business indicator of the first business scenario includes usage frequency; the usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0026] The processing unit is configured to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically to execute the following steps:

[0027] Count the total number of first payment methods included in P target business data;

[0028] Calculate the frequency ratio between the total number of the first payment method in the P target business data and the length of the preset time period;

[0029] Determine the frequency ratio as the frequency of use.

[0030] In one implementation, the business indicator of the first business scenario includes a retention rate; the preset time period includes M periods, where M is a positive integer; the retention rate is used to quantify the retention of payment recipients who use the first payment method within the preset time period in the first business scenario;

[0031] The processing unit is configured to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically to execute the following steps:

[0032] Count the number of payment recipients who use the first payment method in each period in the P target business data;

[0033] The retention rate is calculated based on the number of payment recipients using the first payment method in each period.

[0034] In one implementation, a piece of business data includes one or more payment methods; when the business data includes multiple payment methods, the business data also includes the execution order of the various payment methods; the business indicator of the first business scenario includes a priority usage rate; the priority usage rate is used to quantify the priority usage of the first payment method within a preset time period in the first business scenario;

[0035] The processing unit is configured to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically to execute the following steps:

[0036] Counting a first number of target business data including multiple payment methods in P target business data;

[0037] Counting a second number of target business data that includes a first payment method and has the first payment method as the first execution order in the target business data including multiple payment methods;

[0038] calculating a ratio between the second amount and the first amount;

[0039] A ratio between the second amount and the first amount is determined as the priority usage rate.

[0040] In one implementation, a piece of business data includes one or more payment methods; the business data also includes payment results of various payment methods; the processing unit is further configured to perform the following steps:

[0041] Obtain payment results of the first payment method in the target business data including the first payment method in P target business data;

[0042] If the payment result of the first payment method indicates payment failure, obtain the failure reason;

[0043] Optimize the first business scenario based on the cause of failure.

[0044] In one implementation, the first payment method includes a palm-swipe payment method; a palm-swipe device is provided in the first business scenario;

[0045] The processing unit is configured to perform the following steps when optimizing the first business scenario according to the failure cause:

[0046] If the failure reason indicates a device failure, the palm-swiping device in the first service scenario is repaired, or the palm-swiping device in the first service scenario is replaced;

[0047] If the failure reason indicates that the palm image accuracy is insufficient, adjust the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario; or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device.

[0048] In one implementation, any one of the N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data includes a first payment method; and a first business device corresponding to the first payment method is provided in the first business scenario;

[0049] The acquisition unit, when acquiring the i-th business data, is specifically used to perform the following steps:

[0050] Receive the i-th service data reported by the first service device according to the negotiated data reporting format.

[0051] In one implementation, a first service device corresponding to a first payment method is deployed in a first service scenario; N service data are obtained by the first service device through reporting according to a reporting strategy; the reporting strategy includes at least one of the following:

[0052] Report each business transaction when it generates corresponding business data;

[0053] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0054] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0055] When the amount of business data generated within a preset time period reaches the reporting threshold, a report is triggered, and the reporting threshold is less than or equal to N;

[0056] Report upon receiving a reporting instruction;

[0057] Periodically reporting the N business data within a preset time period;

[0058] The data is encapsulated and reported according to the data reporting format.

[0059] In one implementation, any one of N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data does not include the first payment method, but includes the second payment method; the second payment method is any payment method different from the first payment method; a second business device corresponding to the second payment method is also provided in the first business scenario; wherein,

[0060] A two-way protocol is followed between the first business device and the second business device; when a business transaction based on the second payment method is performed on the second business device to generate the i-th business data, the second business device transmits the i-th business data to the first business device based on the two-way protocol, so that the first business device reports the i-th business data.

[0061] In one implementation, a bidirectional protocol SDK (Software Development Kit) is integrated into both the first service device and the second service device. A process for transmitting i-th service data between the first service device and the second service device based on the bidirectional protocol is specifically configured to perform the following steps: the second service device, based on the integrated bidirectional protocol SDK, transmits the i-th service data generated by the service layer of the second service device to the underlying transmission interface of the second service device, and transmits the i-th service data to the first service device via the underlying transmission interface of the second service device.

[0062] The bottom layer transmission interface of the first service device receives the i-th service data transmitted by the bottom layer transmission interface of the second service device, and passes the i-th service data to the bidirectional protocol SDK integrated in the first service device to provide it to the service layer of the first service device for use;

[0063] The bottom layer transmission interface includes at least one of the following: a USB (Universal Serial Bus) interface, a serial port, and a wireless communication interface.

[0064] Accordingly, an embodiment of the present application provides a computer device, comprising:

[0065] a processor suitable for implementing a computer program;

[0066] The computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor and executing the above-mentioned business processing method.

[0067] Accordingly, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program. The computer program is executed by a processor of a computer device to perform the above-mentioned business processing method.

[0068] Accordingly, an embodiment of the present application provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it performs the above-mentioned business processing method.

[0069] In an embodiment of the present application, N business data generated by business transactions in a first business scenario within a preset time period can be obtained, the first business scenario supports a first payment method, and the business data includes an identifier of the payment object and the payment method used for the business transaction. Since the N business data are generated in the first business scenario, the N business data can intuitively reflect the actual business transaction situation in the first business scenario. Based on the N business data, the business indicators are determined, which can enable the business indicators obtained by the present application to more accurately reflect the actual business transaction situation in the first business scenario. In addition, the embodiment of the present application can also obtain the type of payment object in the N business data, the type of payment object includes a first type, and the payment object of the first type has the right to use the first payment method; based on the type of payment object in the N business data, P target business data are selected from the N business data, and the payment objects represented by the identifiers of the payment objects contained in the P target business data are all payment objects of the first type. Based on the payment methods in the P target business data, the P target business data are statistically analyzed to determine the business indicators of the first business scenario, and the business indicators of the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. Since the P business data are obtained by screening the N business data based on the first type of payment object in the first business scenario, the P business data can intuitively reflect the actual payment situation of the payment object with the right to use the first payment method in the business transaction process. Based on these P business data as the analysis basis of the business indicators, the business indicators obtained by this application can more accurately reflect the actual use of the first payment method by the first type of payment object in the first business scenario. As can be seen from the above, the embodiment of the present application will analyze the business indicators in the specific business scenario in combination with the actual situation (including actual business transaction situation and actual payment situation) of the specific business scenario (such as the first business scenario), which enables the business indicators to accurately quantify the use of the specific payment method (such as the first payment method) in the specific business scenario, thereby helping to provide better business services. BRIEF DESCRIPTION OF THE DRAWINGS

[0070] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0071] Figure 1 This is an architectural diagram of a business processing system provided by an exemplary embodiment of the present application;

[0072] Figure 2This is a flowchart of a business processing method provided by an exemplary embodiment of the present application;

[0073] Figure 3 This is a flowchart of another business processing method provided by an exemplary embodiment of the present application;

[0074] Figure 4 is a schematic diagram of a two-way communication provided by an exemplary embodiment of the present application;

[0075] Figure 5a This is a schematic diagram of a request to send in a two-way communication provided by an exemplary embodiment of the present application;

[0076] Figure 5b is a schematic diagram of receiving a response in a two-way communication provided by an exemplary embodiment of the present application;

[0077] Figure 6 This is a flowchart of a service data reporting process provided by an exemplary embodiment of the present application;

[0078] Figure 7 This is a flowchart of another business data reporting process disclosed in an exemplary embodiment of the present application;

[0079] Figure 8 It is a structural diagram of a business processing device disclosed in an exemplary embodiment of the present application;

[0080] Figure 9 It is a structural diagram of a computer device disclosed in an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0081] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.

[0082] In order to more clearly understand the technical solutions provided by the embodiments of the present application, some key terms involved in the embodiments of the present application are first introduced here:

[0083] 1. Payment Methods

[0084] A payment method refers to the method used to pay for a business transaction order during the business transaction process. Payment methods may include, but are not limited to, code scanning payment, palm swipe payment, fingerprint payment, and face recognition payment. Code scanning payment refers to payment methods made by scanning a payment code, which may include, but is not limited to, a one-dimensional barcode, a two-dimensional graphic code, and so on. Palm swipe payment is a biometric payment method that uses fingerprint recognition to scan and identify the texture and pattern of the palm to enable payment. Fingerprint payment utilizes biometric fingerprint recognition to enable payment by capturing and identifying the fingerprint of the payment recipient. Face recognition payment is a new payment method implemented using technologies such as artificial intelligence, machine vision, 3D sensing, and big data, which enables payment by capturing and identifying the face. Subsequent embodiments of this application involve a first payment method and other payment methods. The first payment method refers to any payment method for which usage statistics are required, and the first payment method is any of the aforementioned payment methods. Other payment methods refer to some or all payment methods other than the first payment method. For illustration, in the subsequent embodiments of this application, the first payment method is described as the palm payment method. Other payment methods may be one or more of the code scanning payment method, the face recognition payment method, and the fingerprint payment method.

[0085] 2. Business Scenario

[0086] A business scenario refers to a scenario for performing Internet business. Business scenarios may include, but are not limited to: offline shopping scenarios, Internet shopping scenarios, e-commerce scenarios, blockchain transaction scenarios, and the like. It is particularly important to point out that the embodiments of the present application may classify business scenarios according to the supported payment methods. Schematically, business scenarios may include scenarios that support a first payment method, or scenarios that do not support the first payment method. The subsequent embodiments of the present application involve a first business scenario, which refers to any business scenario that supports the first payment method. For example, if the first payment method is a palm-swipe payment method, then the first business scenario refers to an offline shopping scenario, an Internet shopping scenario, an e-commerce scenario, a blockchain transaction scenario, and the like that support a palm-swipe payment method.

[0087] 3. Two-way communication

[0088] Bidirectional communication refers to the two-way data transmission and exchange between two devices. The two devices in bidirectional communication follow a bidirectional protocol. The so-called bidirectional protocol refers to a communication protocol reached through negotiation between the two parties in bidirectional communication. The bidirectional protocol may include but is not limited to: TCP (Transmission Control Protocol) protocol, UDP (User Datagram Protocol) protocol, or a customized protocol based on the TCP protocol or UDP protocol, or other communication protocols. During the bidirectional communication process based on the bidirectional protocol, information can be transmitted back and forth between the sender and the receiver, and the receiver can also reply to the information, thus forming an interactive communication mode.

[0089] 4. Cloud Technology

[0090] Cloud technology refers to a managed technology that unifies hardware, software, and network resources within a wide or local area network (WAN) to enable data computing, storage, processing, and sharing. Cloud technology encompasses network, information technology, integration, management platform, and application technologies used in the cloud computing business model. It can form resource pools for on-demand, flexible, and convenient use. Cloud computing technology will become a crucial support. Cloud storage is a new concept that extends and develops from the concept of cloud computing. A distributed cloud storage system (hereafter referred to as a storage system) uses clustering, grid technology, and distributed storage file systems to bring together a large number of diverse storage devices (also known as storage nodes) across a network through application software or application interfaces to work collaboratively, providing data storage and service access. A database, in short, can be thought of as an electronic filing cabinet—a place where electronic files are stored, where users can add, query, update, and delete data. A "database" is a collection of data stored in a specific manner, shared by multiple users, with minimal redundancy, and independent of applications.

[0091] 5. Blockchain Technology

[0092] Blockchain is a new application model for computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Essentially, a blockchain is a decentralized database, a series of data blocks linked using cryptographic methods. Each block contains information about a batch of online transactions, which is used to verify the validity of this information (to prevent counterfeiting) and generate the next block.

[0093] An embodiment of the present application provides a business processing solution, comprising: ① obtaining N business data generated by business transactions conducted in a first business scenario within a preset time period, wherein the first business scenario supports a first payment method, and the business data includes an identifier of a payment object and the payment method used in the business transaction. Since the N business data are generated in the first business scenario, the N business data can intuitively reflect the actual business transaction status in the first business scenario. Determining business indicators based on the N business data enables the business indicators obtained in this application to more accurately reflect the actual business transaction status in the first business scenario. ② obtaining the type of payment object in the N business data, wherein the type of payment object includes a first type, and the payment object of the first type has permission to use the first payment method. ③ based on the type of payment object in the N business data, selecting P target business data from the N business data, wherein the payment objects represented by the payment object identifiers contained in the P target business data are all payment objects of the first type. ④ based on the payment methods in the P target business data, performing statistical analysis on the P target business data to determine business indicators for the first business scenario, wherein the business indicators for the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. Since the P business data are obtained by screening the N business data based on the first type of payment object in the first business scenario, the P business data can intuitively reflect the actual payment situation of the payment object with the right to use the first payment method in the business transaction process. Based on these P business data as the analysis basis of the business indicators, the business indicators obtained by this application can more accurately reflect the actual use of the first payment method by the first type of payment object in the first business scenario. As can be seen from the above, the embodiment of the present application will analyze the business indicators in the specific business scenario in combination with the actual situation (including actual business transaction situation and actual payment situation) of the specific business scenario (such as the first business scenario), which enables the business indicators to accurately quantify the use of the specific payment method (such as the first payment method) in the specific business scenario, thereby helping to provide better business services.

[0094] In one implementation, the business processing method provided in the embodiments of the present application can be implemented based on cloud technology. Specifically, it can involve one or more of cloud storage, cloud database, and big data in cloud technology. For example, the data required to execute the business processing method (e.g., N business data generated by business transactions in the first business scenario, the type of payment object in the N business data, etc.) can be obtained from the cloud database. For another example, business indicators can be written to the cloud database via cloud storage.

[0095] In one implementation, the business processing method provided in the embodiments of the present application can be implemented based on blockchain technology. For example, the data required to execute the business processing method can be stored in the form of blocks on the blockchain; the data generated by executing the business processing method (such as business indicators of the first business scenario) can be stored in the form of blocks on the blockchain; and the computer device executing the business processing method can be a node device in the blockchain network.

[0096] The business processing system proposed in the embodiment of the present application will be introduced in detail below.

[0097] See Figure 1 , is a schematic diagram of the architecture of a business processing system disclosed in an embodiment of the present application, wherein the business processing system may include a computer device 103 and multiple business devices (such as Figure 1 The first business device 101, the second business device 102 and the third business device shown in the figure) each business device supports different payment methods respectively, and this application does not limit the number and type of business devices. Business devices are mainly used for business transactions. The first business device 101 and the second business device 102 can refer to any two business devices that support different payment methods. For example, the first business device 101 can be a palm-swiping device for supporting palm-swiping payment; the second business device 102 can be a face-swiping device for supporting face-swiping payment; and so on. In one embodiment, the first business device 101 and the second business device 102 can both be terminal devices with processing functions for corresponding payment methods, including but not limited to: smart phones, tablet computers, smart wearable devices, smart voice interaction devices, smart home appliances, personal computers, vehicle-mounted terminals, smart cameras, virtual reality devices (such as AR (Augmented Reality) devices), and other devices, and this application does not limit this.

[0098] In one embodiment, the processing function of the corresponding payment method in the business device can be implemented by hardware or software. For example, the first business device is a palm-swipe device, which includes a sensor for supporting palm-swipe payment; or the first business device is provided with an application that supports palm-swipe payment. The application may include but is not limited to: plug-ins, applets (an application that can be run without installation), APPs (Applications), etc. It should be understood that the first business device 101 and the second business device 102 can be any two business devices, and the business processing system can also include more business devices, such as a third business device that supports scan code payment, a fourth business device that supports fingerprint payment, etc. This application does not limit the number and type of business devices. The computer device 103 can be a server. The server can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and basic cloud computing services such as big data and artificial intelligence platforms. This embodiment of the application does not limit this. The first service device 101 , the second service device 102 and the computer device 103 may establish a direct communication connection through wired communication, or may establish an indirect communication connection through wireless communication, which is not limited in this embodiment of the present application.

[0099] In an embodiment of the present application, in combination with the business processing system, a business processing method may include: a first business device 101 transmits data with other business devices (including a second business device 102, or a third business device and a fourth business device, etc.) through a communication protocol, obtains business data generated by business transactions in a first business scenario, and reports the obtained business data to a computer device 103. The computer device 103 obtains N business data generated by business transactions in the first business scenario within a preset time period, the first business scenario supports a first payment method, and the business data includes an identifier of a payment object and a payment method used in the business transaction; then, the type of the payment object in the N business data is obtained, the type of the payment object includes a first type, and the payment object of the first type has permission to use the first payment method; and based on the type of the payment object in the N business data, P target business data are selected from the N business data, and the payment objects represented by the identifiers of the payment objects contained in the P target business data are all payment objects of the first type, thereby achieving screening of the N business data. Finally, based on the payment methods in the P target business data, the P target business data are statistically analyzed to determine a business indicator for the first business scenario. The business indicator for the first business scenario is used to quantify the usage of the first payment method within a preset time period in the first business scenario. The business processing method provided in the embodiments of the present application can analyze business indicators based on the actual conditions of the business scenario, thereby accurately quantifying the usage of payment methods in specific business scenarios.

[0100] In one implementation, the above-mentioned business processing system can be combined with an actual application scenario. Assume that in an actual application scenario, the first business device 101 is a palm-swiping device, the second business device 102 is a code scanning device, and the computer device 103 is a server. Correspondingly, the first business scenario refers to a business scenario that supports palm-swiping payment, the first payment method is the palm-swiping payment method, and the business indicators of the first business scenario are used to quantify the usage of the palm-swiping payment method within a preset time period in a business scenario that supports palm-swiping devices. Then, in combination with the business processing system, the business processing method of the present application may include: when the palm-swiping device or the code scanning device detects a business transaction and generates business data, the palm-swiping device reports the corresponding business data to the server. When business indicator statistics need to be performed, the server obtains N business data generated by business transactions in business scenarios that support palm-swipe payment within a preset time period. Each business data includes the identifier of the payment object and the payment method used for the business transaction. The server then obtains the type of payment object in the N business data. The type of payment object includes a first type. The first type of payment object has the right to use the palm-swipe payment method. Based on the type of payment object in the N business data, the server selects P target business data from the N business data. The P target business data all contain the first type of payment object, thereby achieving the screening of the N business data. Finally, based on the payment methods in the P target business data, the server performs statistical analysis on the P target business data to determine the business indicators of the first business scenario. The business indicators of the first business scenario are used to quantify the usage of the palm-swipe payment method within a preset time period in business scenarios that support palm-swipe payment.

[0101] In addition to counting the business indicators of the palm-swipe payment method, the first payment method can also be other payment methods, such as face-scanning payment, fingerprint payment, QR code scanning payment, etc., that is, the business indicators of other payment methods can also be counted. This application does not limit the first business scenario and the business indicators of the first business scenario, and can be applied to the statistics of business indicators of multiple payment methods. For operation and maintenance personnel, they can better understand the popularity of different payment methods and adopt corresponding strategies to better meet the needs of the public.

[0102] It should be noted that in this application, the relevant data involved in the business processing process, such as business data, type of payment object, payment method and other data. When the above embodiments of this application are applied to specific products or technologies, user permission or consent must be obtained, and the relevant data collection, use and processing processes must comply with relevant national and regional laws, regulations and standards, and comply with the principles of legality, legitimacy and necessity, and do not involve obtaining data types prohibited or restricted by laws and regulations. In some optional embodiments, the relevant data involved in the embodiments of this application are obtained after the object has been individually authorized. In addition, when obtaining the individual authorization of the object, the purpose of the relevant data involved is indicated to the object.

[0103] The business processing method proposed in the embodiment of the present application will be introduced in detail below.

[0104] See Figure 2 , is a flowchart of a business processing method disclosed in an embodiment of the present application. The business processing method can be executed by a computer device. Accordingly, the business processing method may include but is not limited to the following steps S201-S204:

[0105] S201, obtaining N business data generated by business transactions in a first business scenario within a preset time period, where the first business scenario supports a first payment method, and the business data includes an identifier of a payment object and a payment method used in the business transaction, where N is an integer.

[0106] The first business scenario refers to a business scenario that supports the first payment method. In this case, business equipment that supports the first payment method should be laid out in the first business scenario. Here, the first payment method can be any payment method that requires quantified usage. Taking the first payment method as palm-swipe payment as an example, palm-swipe equipment should be laid out in the first business scenario. In one embodiment, the first business scenario can also support other payment methods. In this case, business equipment that supports the other payment methods should be laid out in the first business scenario. For example: if the first business scenario supports fingerprint payment, then the first business scenario is laid out with fingerprint equipment; for another example: if the first business scenario supports face payment, then the first business scenario is laid out with face payment equipment; for another example: if the first business scenario supports code scanning payment, then the first business scenario is laid out with code scanning equipment, and so on.

[0107] A business transaction refers to any payment-related transaction that occurs during a business process, for example, a business transaction may be a transaction resulting from the purchase of a product or service. A business transaction may generate one or more transaction data. Each piece of business data may include the identifier of the payment object and the payment method used for the business transaction. The payment object refers to any object that pays for an order for a business transaction, for example, the payment object refers to a user who pays for a transaction order for the purchase of a product. The payment method used for a business transaction refers to the payment method used when the payment object pays for an order for a business transaction; for example, if the payment object uses a palm-swipe payment method to pay for a transaction order for the purchase of a product, the payment method used for the business transaction included in the business data is a palm-swipe payment method. It should be understood that each piece of business data may also include other information, such as payment results, payment time, etc., and the embodiments of the present application do not limit this.

[0108] The preset time period can be flexibly set as needed. For example, the preset time period can be a period, such as a week, a day, or a month. The computer device can then retrieve business data for the first business scenario within each preset time period for analysis. For example, the preset time period can also be a specific time period, such as 10:00-14:00 on XX / XX / XX. The computer device can then retrieve business data within the specific time period for analysis. In one embodiment, the computer device can retrieve the N business data upon a request. The request can be sent by a business party. For example, a business party (which can be the operator of a business device, such as a palm-swipe device) wants to know the usage of a first payment method in a first business scenario. The business party can then send a request to the computer device, triggering the computer device to retrieve the N business data to continue the subsequent analysis process. In another embodiment, the computer device can retrieve the N business data upon a trigger of pre-configured information. For example, the business party can preset some pre-configured information in the computer device. The pre-configured information can include information required for statistical analysis of the usage of the first payment method in the first business scenario, such as the preset time period, the category of the first payment method, the start time of the statistical analysis, and so on. Furthermore, the computer device may acquire the N service data in an active or passive manner. The active manner refers to the computer device actively obtaining the service data from the service device. The passive manner refers to the computer device passively receiving the service data reported by the service device. This application is not limited to this.

[0109] S202, obtaining the types of payment objects in N business data, where the types of payment objects include a first type, and the payment objects of the first type have permission to use the first payment method.

[0110] The type of payment object can be queried from the database based on the identifier of the payment object contained in each business data. The database here can be a business background database or a cloud database, etc. The database stores the mapping relationship between the identifier and type of the payment object, and the type of the payment object can be obtained based on the mapping relationship. In the embodiment of the present application, the payment object can be classified into a first type of payment object and a second type of payment object according to whether it has the right to use the first payment method, wherein the first type of payment object refers to the payment object that has the right to use the first payment method. The second type of payment object refers to the payment object that does not have the right to use the first payment method. The usage permission here can be generally understood as the activation status of a certain type of payment method. For example, when the first payment method is a palm-swipe payment method, the first type of payment object refers to the payment object that has activated the palm-swipe payment method. It should also be noted that the usage permission of the payment object involved here is obtained after the payment object has authorized it separately. In addition, when the payment object authorizes it separately, the purpose of the usage permission involved has been indicated to the payment object.

[0111] S203, based on the type of payment objects in the N business data, select P target business data from the N business data, the payment objects represented by the payment object identifiers contained in the P target business data are all first type payment objects, P is an integer and P is less than or equal to N.

[0112] S204: Based on the payment methods in the P target business data, statistical analysis is performed on the P target business data to determine business indicators for the first business scenario. The business indicators for the first business scenario are used to quantify usage of the first payment method within a preset time period in the first business scenario.

[0113] In the embodiment of the present application, step S201 obtains N business data under the first business scenario as the original basis for business indicator analysis. The purpose of this is to associate business indicators with specific business scenarios and focus on the usage of specific payment methods under specific business scenarios. Step S203 filters the N business data based on the type of payment object, retaining P target business data as the basis for statistical analysis of business indicators. The purpose of this is to filter out object factors that affect business indicators, that is, to filter out business data related to the second type of payment object that does not have the right to use the first payment method, and only focus on the usage of the first payment method by the first type of payment object. Through the design of the above two steps, the business indicators obtained by statistical analysis can be more accurately quantified. The usage of specific payment methods in specific business scenarios is conducive to assisting in providing better business services.

[0114] In an embodiment of the present application, a computer device can obtain N business data generated by business transactions in a first business scenario within a preset time period, the first business scenario supports a first payment method, and the business data includes an identifier of a payment object and the payment method used for the business transaction. Since the N business data are generated in the first business scenario, the N business data can intuitively reflect the actual business transaction situation in the first business scenario. Based on the N business data, the business indicators are determined, which can enable the business indicators obtained by the present application to more accurately reflect the actual business transaction situation in the first business scenario. In addition, the embodiment of the present application can also obtain the type of payment object in the N business data, the type of payment object includes a first type, and the payment object of the first type has the right to use the first payment method; based on the type of payment object in the N business data, P target business data are selected from the N business data, and the payment objects represented by the identifiers of the payment objects contained in the P target business data are all payment objects of the first type. Based on the payment methods in the P target business data, the P target business data are statistically analyzed to determine the business indicators of the first business scenario, and the business indicators of the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. Since the P business data are obtained by screening the N business data based on the first type of payment object in the first business scenario, the P business data can intuitively reflect the actual payment situation of the payment object with the right to use the first payment method in the business transaction process. Based on these P business data as the analysis basis of the business indicators, the business indicators obtained by this application can more accurately reflect the actual use of the first payment method by the first type of payment object in the first business scenario. As can be seen from the above, the embodiment of the present application will analyze the business indicators in the specific business scenario in combination with the actual situation (including actual business transaction situation and actual payment situation) of the specific business scenario (such as the first business scenario), which enables the business indicators to accurately quantify the use of the specific payment method (such as the first payment method) in the specific business scenario, thereby helping to provide better business services.

[0115] The following is a detailed description of the execution process of S204 mentioned in the above embodiment.

[0116] In this embodiment of the present application, the business indicators of the first business scenario may include at least one of the following: available utilization rate, usage frequency, retention rate, and priority utilization rate. The determination process of each business indicator is as follows:

[0117] (1) Available application rate.

[0118] The available utilization rate is used to quantify the usage ratio of the first payment method within a preset time period in the first business scenario. When the business indicator of the first business scenario is the available utilization rate, the execution process of S204 may include: ① Counting the total number of the first payment method from P target business data, recorded as M1. ② Counting the total number of all payment methods contained in the P target business data, recorded as M2. All payment methods here include the first payment method and other payment methods except the first payment method. ③ Calculating the quantity ratio between the total number of the first payment method contained in the P target business data and the total number of all payment methods contained in the P target business data. ④ Determine the quantity ratio as the available utilization rate. That is: the calculation formula of the available utilization rate can be found in the following formula 1.1:

[0119]

[0120] Taking the first payment method, palm payment, as an example, let M1 = 80, i.e., the total number of palm payment methods included in the P target business data is 80; let M2 = 100, i.e., the total number of all payment methods included in the P target business data is 100; then, the available utilization rate = 80 / 100 = 0.8. This example shows that in the first business scenario (i.e., the business scenario that supports palm payment), the first type of payment recipients (i.e., those who have activated palm payment) have a usage rate of 0.8 of palm payment.

[0121] (2) Frequency of use.

[0122] The usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario. When the business indicator of the first business scenario is the usage frequency, the execution process of S204 may include: ① Counting the total number of first payment methods included in the P target business data, recorded as M1. ② The duration of the preset time period is recorded as T, and calculating the frequency ratio between the total number of first payment methods in the P target business data and the duration of the preset time period. ③ Determining the frequency ratio as the usage frequency. That is, the calculation formula for the usage frequency can be found in the following formula 1.2:

[0123]

[0124] Usage frequency represents the number of times the first payment method is used per unit time within a preset time period. The unit time is a unit of duration T, which can be 1 minute, 1 hour, 1 day, and so on. Assuming the first payment method is palm payment, let M1 = 80, i.e., the total number of palm payment methods included in the P target business data is 80; let T = 5 days; then, usage frequency = 80 / 5 = 16 times / day. This example shows that in the first business scenario (i.e., a business scenario that supports palm payment), the first type of payment recipient (i.e., a payment recipient that has activated palm payment) uses palm payment 16 times per day, i.e., there are 16 palm payment usage records per day. Based on Equation 1.2, the usage frequency of any payment method within the preset time period can be calculated. If the first payment method is face payment, the usage frequency reflects the frequency of face payment usage within the preset time period; if the first payment method is fingerprint payment, the usage frequency reflects the frequency of fingerprint payment usage within the preset time period.

[0125] (3) Retention rate.

[0126] The retention rate is used to quantify the retention of payment recipients who use the first payment method within a preset time period in a first business scenario. The retention rate is a measure of loyalty. When a new product is launched, if users frequently use it and continue to use it frequently in subsequent cycles, it indicates a high user retention rate, meaning that the user truly loves the product. When the business indicator for the first business scenario is the retention rate, the execution process of S204 may include: ① Divide the preset time period into M cycles, where M is a positive integer and includes at least one cycle. A cycle can be an hour, a day, or a week. ② Count the number of payment recipients who use the first payment method in each cycle of the P target business data, denoted as x1, x2, ..., xm; where x1 represents the number of payment recipients who use the first payment method in the first cycle of the preset time period, x2 represents the number of payment recipients who use the first payment method in the first cycle of the preset time period, and so on. ③ Calculate the retention rate based on the number of payment recipients who use the first payment method in each cycle. The calculation formula for retention rate can be found in the following formula 1.3:

[0127]

[0128] Where xi is the number of payees using the first payment method in the i-th cycle, and x1 is the number of payees using the first payment method in the first cycle. Therefore, Equation 1.3 calculates the retention rate of the first payment method in the i-th cycle. Assuming the first payment method is palm-swipe payment, let x1 = 1000, meaning the number of payees using palm-swipe payment in the first cycle is 1000; x2 = 800, meaning the number of payees using palm-swipe payment in the second cycle is 800; then, the retention rate for the second cycle = 800 / 1000 = 0.8. This example shows that in the first business scenario (i.e., a business scenario that supports palm-swipe payment), the retention rate of the first type of payee (i.e., payees who have activated palm-swipe payment) for palm-swipe payment in the second cycle is 0.8. Based on formula 1.3, the retention rate of any period within a preset time period can be calculated, thereby timely understanding the loss of payment recipients who use the first payment method, so as to better adjust the strategy, retain existing payment recipients or attract new payment recipients.

[0129] (4) Priority utilization rate.

[0130] The priority usage rate is used to quantify the situation in which the first payment method is used first within a preset time period in the first business scenario. A business data may include one or more payment methods. When the business data only includes one payment method, the execution order of this payment method is first, and in this case there is no need to calculate the priority usage rate. When the business data contains multiple payment methods, the business data also contains the execution order of various payment methods; therefore, when the business indicator of the first business scenario is the priority usage rate, the execution process of S204 may include: ① Count the first number of target business data containing multiple payment methods in P target business data, recorded as Y1, Y1 is less than or equal to P. ② Count the second number of target business data containing the first payment method and the execution order of the first payment method is the first order in the target business data containing multiple payment methods, recorded as Y2, Y2 is less than or equal to Y1. ③ Calculate the ratio between the second number Y1 and the first number Y2. ④ Determine the ratio between the second number and the first number as the priority usage rate. That is: the calculation formula of the priority usage rate can be found in the following formula 1.4:

[0131]

[0132] Assuming the first payment method is the palm-swipe payment method, let Y1 = 100, i.e., the first number of target business data containing multiple payment methods among the P target business data is 100; Y2 = 50, i.e., the second number of target business data containing multiple payment methods that include the first payment method and whose execution order is the first is 50 among the 100 target business data containing multiple payment methods; then, the priority usage rate = 50 / 100 = 0.5. This example shows that in the first business scenario (i.e., the business scenario that supports the palm-swipe payment method), the probability that the first type of payment recipient (i.e., the payment recipient that has activated the palm-swipe payment method) will prioritize the first payment method is 50%.

[0133] When the business data includes multiple payment methods, the execution order of the various payment methods can be expressed in a table. For example, when a business data includes three payment methods, namely the first payment method, the second payment method, and the third payment method, the execution order of the three payment methods can be expressed in Table 1:

[0134] Table 1

[0135] Payment Methods First payment method Second payment method Third payment method Execution order 1 2 3

[0136] It can be seen from Table 1 that the business data includes three payment methods, and the execution order of the first payment method ranks first, and the business data is counted in the second quantity. Similarly, for Table 1, if the execution order of the first payment method is not ranked first, then the business data will not be counted in the second quantity. This table can be stored in the server (directly obtained) or in any database (obtained by table lookup). Alternatively, in the first business scenario, the business data may include a sequence identifier, which is mainly used to indicate the execution order of the first payment method. If a business data containing multiple payment methods includes a sequence indication identifier of 1 (indicating that the execution order is 1, i.e., first), then the business data will be counted in the second quantity.

[0137] In the embodiments of this application, the specific process of determining different business indicators in the first business scenario is mainly described. The determined business indicators may include, but are not limited to, available utilization rate, usage frequency, retention rate, and priority utilization rate. Through these different business indicators, the different usage of the first payment method in the first business scenario can be understood. Furthermore, based on this method, we can also analyze the various business indicators of different payment methods, thereby understanding the different usage of various payment methods in real time.

[0138] See Figure 3, is a flowchart of another business processing method disclosed in an embodiment of the present application. The business processing method can be executed by a computer device. Accordingly, the business processing method may include but is not limited to the following steps S301-S307:

[0139] S301, obtaining N business data generated by business transactions in a first business scenario within a preset time period, where the first business scenario supports a first payment method, and the business data includes an identifier of a payment object and a payment method used in the business transaction, where N is an integer.

[0140] S302, obtaining the types of payment objects in N business data, where the types of payment objects include a first type, and the payment objects of the first type have permission to use the first payment method.

[0141] S303, based on the type of payment objects in the N business data, select P target business data from the N business data, the payment objects represented by the payment object identifiers contained in the P target business data are all first type payment objects, P is an integer and P is less than or equal to N.

[0142] S304: Based on the payment methods in the P target business data, statistical analysis is performed on the P target business data to determine business indicators for the first business scenario. The business indicators for the first business scenario are used to quantify usage of the first payment method within a preset time period in the first business scenario.

[0143] The implementation process of the above S301-S304 can be found in Figure 2 The description of the implementation process of S201-S204 in the illustrated embodiment is omitted here.

[0144] S305: Obtain payment results of the first payment method in the P target business data including the first payment method.

[0145] S306: If the payment result of the first payment method indicates payment failure, obtain the reason for the failure.

[0146] The payment result of the first payment method may include payment success or payment failure. If the payment result of the first payment method indicates payment failure, the reason for the failure is obtained. Illustratively, the reason for the failure may be included in the payment result of the first payment method and represented by different identifiers. For example, a numerical value may be used, where "failure" indicates one type of failure reason, and "error" indicates another type of failure reason. In one embodiment, the failure reason may include, but is not limited to, a failure of the service equipment, the payment recipient's usage reasons, and payment environment reasons. A failure of the service equipment may include, for example, a mechanical failure of the service equipment that prevents it from operating properly, or improperly configured functional parameters of the service equipment that prevents it from operating properly. A payment reason for the payment recipient's usage may include, for example, a payment failure caused by the payment recipient's subjective change of payment method. For example, a payment recipient using a palm swipe payment method may cancel the palm swipe payment process before payment is successful and switch to a code scan payment method, resulting in a failure of the palm swipe payment method. Environmental reasons may include, for example, poor ambient lighting. For example, if the first payment method is a palm swipe payment method, and the palm image accuracy is insufficient due to low ambient light, the payment fails.

[0147] S307: Optimize the first business scenario according to the failure cause.

[0148] Different optimization solutions can be adopted for different failure reasons. For example, taking the first payment method as the palm payment method, the optimization process may include the following methods:

[0149] (1) If the failure reason indicates a device failure, the palm-swiping device in the first business scenario may be repaired, or the palm-swiping device in the first business scenario may be replaced.

[0150] In one implementation, the fault repair process includes manual repair, and a fault repair prompt message can be output to prompt the repair personnel to perform the fault repair process in a timely manner. In another implementation, the fault repair process can include machine repair, such as system update, or change the corresponding parameters of the palm-swiping device, etc. The replacement process can be to replace the original palm-swiping device with a new one. The replacement process can be manual replacement or automatic replacement. For example, in the first business scenario, multiple palm-swiping devices are connected to each other. When a problem occurs with the main palm-swiping device, it is automatically replaced with a backup palm-swiping device.

[0151] (2) If the failure reason indicates that the palm image accuracy is insufficient, adjust the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario; or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device.

[0152] When performing palm swiping payment, it is necessary to obtain the palm image of the payment object for payment processing. The palm image may include any one or more of a palm print image and a palm vein image. When the palm image accuracy is insufficient, the palm swiping payment method will fail. If the reason for failure indicates that the palm image accuracy is insufficient, the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario can be adjusted. For the payment object, it can be to change the angle of the palm or the distance from the palm swiping device. For the palm swiping device, it can be to automatically adjust the focal length of the palm image acquisition device (such as a camera); or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device. Environmental attributes include environmental brightness, exposure, etc. When the environment in which the palm device is located is harsh, the environment can be improved artificially, or the device itself adjusts the environmental parameters.

[0153] It is understood that the palm-swipe payment method mentioned above is merely an example. The first payment method may also be a QR code scan payment method, a facial recognition payment method, etc. Different first payment methods may result in different reasons for payment failure and, accordingly, different optimization measures, which are not listed here.

[0154] In the embodiment of the present application, not only can the business indicators of the first payment method in the first business scenario be determined, but also, based on the business data, when payment with the first payment method fails, the first business scenario can be optimized based on the reason for the failure. Therefore, the embodiment of the present application can not only analyze the business indicators in combination with the actual situation of the business scenario, thereby accurately quantifying the usage of the payment method in the specific business scenario, but also improve the probability of successful payment with the first payment method in the first business scenario, thereby improving the payment experience, and further helping to increase the usage rate of the first payment method in the first business scenario.

[0155] Figure 2 or Figure 3 In the illustrated embodiment, the computer device needs to obtain N business data generated by a business transaction in a first business scenario. In one embodiment, the computer device can passively receive the business data reported by the business device. For example, if the first payment method is a palm-swipe payment method, and any one of the N business data is represented as the i-th business data, then the i-th business data is reported to the computer device by the palm-swipe device.

[0156] In a first business scenario, when a first business device corresponding to the first payment method is deployed, the N business data may be obtained by reporting by the first business device according to different reporting strategies; the reporting strategies may include at least one of the following:

[0157] (1) Report each business transaction when it generates corresponding business data.

[0158] This reporting strategy can be understood as real-time reporting, that is, reporting once each business data is generated. This reporting strategy reports the business data in the order in which it is generated, thus ensuring the timely reporting of business data.

[0159] (2) When the deadline of the preset time period is reached, N business data are reported in batches.

[0160] This reporting strategy reports N business data items generated during the preset time period in batches at the end of the preset time period. For example, if the preset time period is 10:00-14:00 on XX / XX / XX, the first business device must report N business data items generated during this time period at 14:00 on XX / XX / XX.

[0161] (3) When the deadline of the preset time period is reached, N business data are reported in batches.

[0162] This reporting strategy means that when the deadline of the preset time period is reached, N business data generated within the preset time period will be reported in batches. For example: the preset time period is 10:00-14:00 on XX / XX / XX, then the first business device needs to report N business data generated within the time period of 10:00-14:00 on XX / XX / XX in batches at 14:00 on XX / XX / XX. The number of business data in each batch can be the same or different. At the same time, the payment objects included in each batch of business data can be the same or different. For example, within the preset time period, assuming there are a total of 100 business data, the first business device can report them in 5 times, reporting 20 each time; or it can report them in 3 times, reporting 20 in the first time, 30 in the second time, and 50 in the third time.

[0163] (4) When the amount of business data generated within a preset time period reaches a reporting threshold, a report is triggered, and the reporting threshold is less than or equal to N.

[0164] This reporting strategy can be understood as cumulative reporting. Specifically, the first service device reports service data when the amount of service data generated reaches the reporting threshold within a preset time period. For example, if the preset time period is 10:00 AM to 2:00 PM on XX / XX / XX, the first service device will report service data every time it accumulates a certain amount of service data, such as 2, starting at 2:00 PM on XX / XX / XX. Even if the accumulated amount at 2:00 PM on XX / XX / XX is less than 2, but the reporting threshold has already been reached, the service device will still report service data.

[0165] (5) Report upon receiving a reporting instruction.

[0166] This reporting strategy means that upon receiving a reporting instruction, the first service device reports N service data items generated within a preset time period. This reporting instruction can be sent by the computer device in real time or on a scheduled basis. Real time means that the service data is sent only when it is needed, while scheduled means that the computer device has a timer that sends the reporting instruction at intervals.

[0167] (6) Periodically report N business data within a preset time period.

[0168] This reporting strategy means that within a preset time period, the first business device reports the N business network data generated according to the set period. For example: the preset time period is 10:00-14:00 on XX / XX / XX, then the first business device reports the business data on a periodic basis starting from 14:00 on XX / XX / XX. For example, reporting once per minute, once per hour, once per day, once per week, and so on. Alternatively, within the preset time period, the reporting time can be set arbitrarily, for example, reporting once every hour from 10:00-12:00 on XX / XX / XX, and once every minute from 12:00-14:00 on XX / XX / XX. It can also be simply understood that the reporting time interval is small during peak usage periods and large during non-peak usage periods, so that transmission resources can be saved.

[0169] (7) Encapsulate and report the data according to the data reporting format.

[0170] This reporting strategy means that the N business data generated must be encapsulated according to the data reporting format before being reported. For example, the data reporting format can be seen in Table 2 below:

[0171] Table 2

[0172] Field Name Field Details Payment voucher Payment code (such as one-dimensional barcode, two-dimensional graphic code, etc.) Payment Object Identification of the payment object Payment results Single payment result, payment successful or payment failed Payment Methods Palm payment, other payment methods (such as QR code payment, facial recognition payment) Whether to activate the first payment method Yes or No

[0173] In the embodiments of the present application, the service equipment uses a flexible reporting strategy to report service data, which can be applied to a wider range of application scenarios. The service equipment can obtain data on demand, which can improve service processing efficiency to a certain extent. At the same time, using a flexible reporting strategy to report service data can also save data transmission resources to a certain extent.

[0174] It should be noted that among the N business data, there may be business data that does not include the first payment method, but includes the second payment method; the second payment method is business data of any payment method different from the first payment method. For such business data, it is usually generated on a second business device that supports the second payment method. The second business device refers to any business device other than the first business device deployed in the first business scenario. In this case, the first business device needs to obtain such business data from the second business device before it can be reported. In an embodiment of the present application, let any business data among the N business data be represented as the i-th business data, i is a positive integer and i is less than or equal to N; the i-th business data does not include the first payment method, but includes the second payment method. A two-way protocol is followed between the first business device and the second business device. When a business transaction based on the second payment method is performed on the second business device to generate the i-th business data, the second business device transmits the i-th business data to the first business device based on the two-way protocol, so that the first business device reports the i-th business data.

[0175] In one embodiment, a two-way protocol SDK (Software Development Kit) is integrated in both the first business device and the second business device. The process of transmitting the i-th business data between the first business device and the second business device based on the two-way protocol can be as follows: the second business device, based on its integrated two-way protocol SDK, transmits the i-th business data generated by the business layer of the second business device to the underlying transmission interface of the second business device, and transmits the i-th business data to the first business device through the underlying transmission interface of the second business device; the underlying transmission interface of the first business device receives the i-th business data transmitted by the underlying transmission interface of the second business device, and passes the i-th business data to the two-way protocol SDK integrated in the first business device to provide it to the business layer of the first business device for use; wherein the underlying transmission interface includes at least one of the following: USB interface, serial port, wireless communication interface; the wireless communication interface includes WiFi (also known as mobile hotspot) or Bluetooth.

[0176] Among them, such as Figure 4 As shown, it is a schematic diagram of a two-way communication provided by an exemplary embodiment of the present application. Taking the first business device as a palm-swipe device (embedded with a palm-swipe payment application) and the second business device as a cash register device (embedded with cash register software and applications that can be used for cash register) as an example, a two-way protocol SDK can be integrated in each of the palm-swipe device and the cash register, and the connection is made through the above-mentioned underlying transmission interface to realize data transmission between the devices. Figure 4 The underlying transport interface shown is a USB connection.

[0177] Furthermore, in the two-way communication process, the request sending process is as follows Figure 5a As shown in the figure, the business layer on the sending side assembles the data to be sent into a request packet, sends it to the request queue, and sends it through the transport layer. After receiving the request packet, the transport layer processes the packet, assembles the request packet into a response packet, and sends it to the waiting response queue. The process of receiving the response is as follows Figure 5b As shown, the receiving side business layer registers a detection event in the detection management module. Once the data arrives at the receiving queue, it will notify all detectors that a new request has arrived. After receiving the detection event, the business layer processes the request packet to complete a data transmission.

[0178] The following analysis uses a specific business scenario to illustrate the process of determining and reporting business data. In this scenario, the first business device is a palm-swipe device, the first payment method is palm-swipe payment, the second business device is a barcode scanning device, the second payment method is barcode scanning payment, and the barcode scanning device is connected to the merchant's cash register, which determines the payment result.

[0179] Based on this, when the payment object uses the palm payment method to pay, the corresponding business data reporting process is as follows: Figure 6 As shown, the following steps are included:

[0180] ① The palm-swiping device collects the palm information of the payment object and obtains the palm image of the payment object; the palm-swiping device sends the palm image of the payment object to the payment backend system (this payment backend system is the payment backend system associated with the palm-swiping device), and the payment backend system identifies the identity information of the payment object and the payment voucher corresponding to the identity through the palm image of the payment object, and returns one or both of the identity information and payment voucher of the payment object to the palm-swiping device.

[0181] ② After the palm-swiping device receives one or both of the payment object's identity information and payment voucher, it sends them to the merchant's cash register through a two-way protocol. The merchant's cash register completes the payment based on the payment object's identity information or payment voucher, and returns the payment result to the palm-swiping device through a two-way protocol.

[0182] ③ After receiving the payment result, the palm-swipe device reports the business data to the computer device. The business data includes payment voucher, payment object, payment method, payment result, and activation status of palm-swipe payment (including activation or non-activation). In this application, both failed and successful payment business data can be reported to the computer device to better understand the use of palm-swipe payment. Among them, the computer device can be deployed in the payment data system, and the business data can be reported to the payment data system first, and then the computer device can obtain the business data from the payment data system.

[0183] When the payment object uses the QR code scanning payment method, the corresponding business data reporting process is as follows Figure 7As shown, the following steps are included:

[0184] ① The code scanning device obtains the payment voucher provided by the payment object and uploads the payment voucher to the merchant's cash register. The merchant's cash register completes the code scanning payment based on the payment voucher and returns the payment voucher and payment result of the payment object to the palm scanning device through a two-way protocol.

[0185] ②If the payment is successful, the palm-swiping device will upload the payment voucher to the payment backend system through a two-way protocol.

[0186] ③ The payment backend system uses the payment voucher to query the identity information of the payee, and based on the identity information of the payee, determines whether the payee has activated the palm-swipe payment service; and at the same time, reports the business data to the computer device. Similarly, the business data includes the payment voucher, the payee, the payment method, the payment result, and the activation status of the palm-swipe payment service (including activation or non-activation). The computer device can be deployed in the payment data system, and the business data can be reported to the payment data system first, and then the computer device can obtain the business data from the payment data system.

[0187] Through the above embodiments and related examples, the service processing method provided in the embodiments of the present application can achieve the following effects:

[0188] 1. It can accurately measure the usage of the first payment method (such as palm payment) in the first business scenario, which is specifically reflected through various business indicators. These business indicators can more accurately reflect the proportion of payment recipients who actually adopt palm payment, frequency of use, retention rate, and priority usage rate.

[0189] 2. Whether it is merchants or operation and maintenance personnel, they can more accurately grasp the needs and preferences of payment recipients for the first payment method based on these business indicators, so as to better provide payment services and improve the payment experience.

[0190] 3. Due to the adoption of a new two-way protocol in the process of collecting business data, business data can be obtained more accurately, thereby improving the accuracy and reliability of payment data analysis. At the same time, the accuracy and reliability of business data analysis are improved.

[0191] The above describes in detail the method of the embodiment of the present application. In order to facilitate better implementation of the above scheme of the embodiment of the present application, the device of the embodiment of the present application is provided below accordingly.

[0192] See Figure 8 , Figure 8 This is a structural diagram of a business processing device provided in an embodiment of the present application. The business processing device can be set in the computer device provided in an embodiment of the present application. Figure 8The service processing device shown may be a computer program (including program code) running on a computer device, and the service processing device may be used to execute Figure 2 or Figure 3 Some or all of the steps in the method embodiment shown. Figure 8 , the service processing device may include the following units:

[0193] An acquisition unit 801 is configured to acquire N business data generated by a business transaction in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of a payment object and a payment method used in the business transaction; and N is an integer.

[0194] The acquisition unit 801 is further configured to acquire the type of the payment object in the N business data; the type of the payment object includes a first type, and the payment object of the first type has permission to use the first payment method;

[0195] Processing unit 802 is configured to select P target business data from the N business data based on the types of payment objects in the N business data; the P target business data all include a payment object of the first type; P is an integer and is less than or equal to N;

[0196] The processing unit 802 is also used to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario; the business indicators of the first business scenario are used to quantify the usage of the first payment method within a preset time period in the first business scenario.

[0197] In one implementation, the business indicator of the first business scenario includes at least one of the following: available utilization rate, usage frequency, retention rate, and priority utilization rate; wherein,

[0198] The available utilization rate is used to quantify the usage ratio of the first payment method in the first business scenario within a preset time period;

[0199] The usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0200] The retention rate is used to quantify the retention of payment recipients who use the first payment method within a preset time period in the first business scenario;

[0201] The priority usage rate is used to quantify the situation in which the first payment method is preferentially used within a preset time period in the first business scenario.

[0202] In one implementation, the business indicator of the first business scenario includes an available usage rate; the available usage rate is used to quantify the proportion of the first payment method used in the first business scenario within a preset time period;

[0203] The processing unit 802 performs statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for executing the following steps:

[0204] Count the total number of first payment methods included in P target business data;

[0205] Count the total number of all payment methods included in the P target business data; where all payment methods include the first payment method and other payment methods except the first payment method;

[0206] Calculate the ratio between the total number of first payment methods included in the P target business data and the total number of all payment methods included in the P target business data;

[0207] The quantity ratio is determined as the availability rate.

[0208] In one implementation, the business indicator of the first business scenario includes usage frequency; the usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0209] The processing unit 802 performs statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for executing the following steps:

[0210] Count the total number of first payment methods included in P target business data;

[0211] Calculate the frequency ratio between the total number of the first payment method in the P target business data and the length of the preset time period;

[0212] Determine the frequency ratio as the frequency of use.

[0213] In one implementation, the business indicator of the first business scenario includes a retention rate; the preset time period includes M periods, where M is a positive integer; the retention rate is used to quantify the retention of payment recipients who use the first payment method within the preset time period in the first business scenario;

[0214] The processing unit 802 performs statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for executing the following steps:

[0215] Count the number of payment recipients who use the first payment method in each period in the P target business data;

[0216] The retention rate is calculated based on the number of payment recipients using the first payment method in each period.

[0217] In one implementation, a piece of business data includes one or more payment methods; when the business data includes multiple payment methods, the business data also includes the execution order of the various payment methods; the business indicator of the first business scenario includes a priority usage rate; the priority usage rate is used to quantify the priority usage of the first payment method within a preset time period in the first business scenario;

[0218] The processing unit 802 performs statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for executing the following steps:

[0219] Counting a first number of target business data including multiple payment methods in P target business data;

[0220] Counting a second number of target business data that includes a first payment method and has the first payment method as the first execution order in the target business data including multiple payment methods;

[0221] calculating a ratio between the second amount and the first amount;

[0222] A ratio between the second amount and the first amount is determined as the priority usage rate.

[0223] In one implementation, a piece of business data includes one or more payment methods; the business data also includes payment results of various payment methods; the processing unit 802 is further configured to perform the following steps:

[0224] Obtain payment results of the first payment method in the target business data including the first payment method in P target business data;

[0225] If the payment result of the first payment method indicates payment failure, obtain the failure reason;

[0226] Optimize the first business scenario based on the cause of failure.

[0227] In one implementation, the first payment method includes a palm-swipe payment method; a palm-swipe device is provided in the first business scenario;

[0228] The processing unit 802 is configured to perform the following steps when optimizing the first service scenario according to the failure cause:

[0229] If the failure reason indicates a device failure, the palm-swiping device in the first service scenario is repaired, or the palm-swiping device in the first service scenario is replaced;

[0230] If the failure reason indicates that the palm image accuracy is insufficient, adjust the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario; or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device.

[0231] In one implementation, any one of the N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data includes a first payment method; and a first business device corresponding to the first payment method is provided in the first business scenario;

[0232] The acquiring unit 801 is configured to execute the following steps when acquiring the i-th business data:

[0233] Receive the i-th service data reported by the first service device according to the negotiated data reporting format.

[0234] In one implementation, a first service device corresponding to a first payment method is deployed in a first service scenario; N service data are obtained by the first service device through reporting according to a reporting strategy; the reporting strategy includes at least one of the following:

[0235] Report each business transaction when it generates corresponding business data;

[0236] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0237] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0238] When the amount of business data generated within a preset time period reaches the reporting threshold, a report is triggered, and the reporting threshold is less than or equal to N;

[0239] Report upon receiving a reporting instruction;

[0240] Periodically reporting the N business data within a preset time period;

[0241] The data is encapsulated and reported according to the data reporting format.

[0242] In one implementation, any one of N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data does not include the first payment method, but includes the second payment method; the second payment method is any payment method different from the first payment method; a second business device corresponding to the second payment method is also provided in the first business scenario; wherein,

[0243] A two-way protocol is followed between the first business device and the second business device; when a business transaction based on the second payment method is performed on the second business device to generate the i-th business data, the second business device transmits the i-th business data to the first business device based on the two-way protocol, so that the first business device reports the i-th business data.

[0244] In one implementation, a bidirectional protocol SDK is integrated into both the first service device and the second service device. A process for transmitting i-th service data between the first service device and the second service device based on the bidirectional protocol is specifically configured to perform the following steps: the second service device, based on the bidirectional protocol SDK integrated therein, transmits the i-th service data generated by the service layer of the second service device to the underlying transmission interface of the second service device, and transmits the i-th service data to the first service device via the underlying transmission interface of the second service device;

[0245] The bottom layer transmission interface of the first service device receives the i-th service data transmitted by the bottom layer transmission interface of the second service device, and passes the i-th service data to the bidirectional protocol SDK integrated in the first service device to provide it to the service layer of the first service device for use;

[0246] Among them, the underlying transmission interface includes at least one of the following: USB interface, serial port, and wireless communication interface.

[0247] According to another embodiment of the present application, Figure 8 The various units in the business processing device shown can be individually or all combined into one or several other units to form, or one (or some) of the units can be further divided into multiple functionally smaller units to form, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. The above-mentioned units are divided based on logical functions. In actual applications, the functions of one unit can also be implemented by multiple units, or the functions of multiple units can be implemented by one unit. In other embodiments of the present application, the business processing device may also include other units. In actual applications, these functions can also be implemented with the assistance of other units, and can be implemented by the collaboration of multiple units.

[0248] According to another embodiment of the present application, the program can be executed by running on a general computing device such as a computer including a central processing unit (CPU), a random access memory (RAM), a read-only memory (ROM) and other processing elements and storage elements. Figure 2 or Figure 3 A computer program (including program code) for each step involved in part or all of the methods shown in the figure is used to construct a computer program (including program code) for each step involved in part or all of the methods shown in the figure. Figure 8The business processing device shown in and the business processing method of the embodiment of the present application are implemented. The computer program can be recorded on, for example, a computer-readable storage medium, and loaded into the above-mentioned computing device through the computer-readable storage medium and run therein.

[0249] In an embodiment of the present application, N business data generated by business transactions in a first business scenario within a preset time period can be obtained, the first business scenario supports a first payment method, and the business data includes an identifier of the payment object and the payment method used for the business transaction. Since the N business data are generated in the first business scenario, the N business data can intuitively reflect the actual business transaction situation in the first business scenario. Based on the N business data, the business indicators are determined, which can enable the business indicators obtained by the present application to more accurately reflect the actual business transaction situation in the first business scenario. In addition, the embodiment of the present application can also obtain the type of payment object in the N business data, the type of payment object includes a first type, and the payment object of the first type has the right to use the first payment method; based on the type of payment object in the N business data, P target business data are selected from the N business data, and the payment objects represented by the identifiers of the payment objects contained in the P target business data are all payment objects of the first type. Based on the payment methods in the P target business data, the P target business data are statistically analyzed to determine the business indicators of the first business scenario, and the business indicators of the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. Since the P business data are obtained by screening the N business data based on the first type of payment object in the first business scenario, the P business data can intuitively reflect the actual payment situation of the payment object with the right to use the first payment method in the business transaction process. Based on these P business data as the analysis basis of the business indicators, the business indicators obtained by this application can more accurately reflect the actual use of the first payment method by the first type of payment object in the first business scenario. As can be seen from the above, the embodiment of the present application will analyze the business indicators in the specific business scenario in combination with the actual situation (including actual business transaction situation and actual payment situation) of the specific business scenario (such as the first business scenario), which enables the business indicators to accurately quantify the use of the specific payment method (such as the first payment method) in the specific business scenario, thereby helping to provide better business services.

[0250] Based on the above method and device embodiments, the present application provides a computer device. Figure 9 , Figure 9 It is a structural diagram of a computer device provided in an embodiment of the present application. Figure 9The computer device shown includes at least a processor 901, an input interface 902, an output interface 903, and a computer-readable storage medium 904. The processor 901, the input interface 902, the output interface 903, and the computer-readable storage medium 904 may be connected via a bus or other means.

[0251] The computer-readable storage medium 904 can be stored in the memory of a computer device. The computer-readable storage medium 904 is used to store a computer program, which includes computer instructions. The processor 901 is used to execute the program instructions stored in the computer-readable storage medium 904. The processor 901 (or CPU (Central Processing Unit)) is the computing core and control core of the computer device. It is suitable for implementing one or more computer instructions, and is specifically suitable for loading and executing one or more computer instructions to implement a corresponding method flow or corresponding function.

[0252] The embodiment of the present application also provides a computer-readable storage medium (Memory), which is a memory device in a computer device for storing programs and data. It is understandable that the computer-readable storage medium here can include both built-in storage media in the computer device and, of course, extended storage media supported by the computer device. The computer-readable storage medium provides a storage space that stores the operating system of the computer device. In addition, one or more computer instructions suitable for being loaded and executed by the processor are also stored in the storage space. These computer instructions can be one or more computer programs (including program codes). It should be noted that the computer-readable storage medium here can be a high-speed RAM memory or a non-volatile memory (Non-Volatile Memory), such as at least one disk memory; optionally, it can also be at least one computer-readable storage medium located away from the aforementioned processor.

[0253] In some embodiments, the processor 901 may load and execute one or more computer instructions stored in the computer-readable storage medium 904 to implement the above-mentioned Figure 2 or Figure 3 In a specific implementation, the computer instructions in the computer-readable storage medium 904 are loaded by the processor 901 and execute the following steps:

[0254] Obtain N business data generated by business transactions in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of the payment object and the payment method used in the business transaction; N is an integer;

[0255] Obtaining the types of payment objects in N business data; the types of payment objects include a first type, and the payment objects of the first type have permission to use the first payment method;

[0256] Based on the types of payment objects in the N business data, P target business data are selected from the N business data; the P target business data all contain payment objects of the first type; P is an integer and P is less than or equal to N;

[0257] Based on the payment methods in the P target business data, statistical analysis is performed on the P target business data to determine business indicators for the first business scenario; the business indicators for the first business scenario are used to quantify the usage of the first payment method within a preset time period in the first business scenario.

[0258] In one implementation, the business indicator of the first business scenario includes at least one of the following: available utilization rate, usage frequency, retention rate, and priority utilization rate; wherein,

[0259] The available utilization rate is used to quantify the usage ratio of the first payment method in the first business scenario within a preset time period;

[0260] The usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0261] The retention rate is used to quantify the retention of payment recipients who use the first payment method within a preset time period in the first business scenario;

[0262] The priority usage rate is used to quantify the situation in which the first payment method is preferentially used within a preset time period in the first business scenario.

[0263] In one implementation, the business indicator of the first business scenario includes an available usage rate; the available usage rate is used to quantify the proportion of the first payment method used in the first business scenario within a preset time period;

[0264] The computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for performing the following steps:

[0265] Count the total number of first payment methods included in P target business data;

[0266] Count the total number of all payment methods included in the P target business data; where all payment methods include the first payment method and other payment methods except the first payment method;

[0267] Calculate the ratio between the total number of first payment methods included in the P target business data and the total number of all payment methods included in the P target business data;

[0268] The quantity ratio is determined as the availability rate.

[0269] In one implementation, the business indicator of the first business scenario includes usage frequency; the usage frequency is used to quantify the frequency of use of the first payment method within a preset time period in the first business scenario;

[0270] The computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for performing the following steps:

[0271] Count the total number of first payment methods included in P target business data;

[0272] Calculate the frequency ratio between the total number of the first payment method in the P target business data and the length of the preset time period;

[0273] Determine the frequency ratio as the frequency of use.

[0274] In one implementation, the business indicator of the first business scenario includes a retention rate; the preset time period includes M periods, where M is a positive integer; the retention rate is used to quantify the retention of payment recipients who use the first payment method within the preset time period in the first business scenario;

[0275] The computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for performing the following steps:

[0276] Count the number of payment recipients who use the first payment method in each period in the P target business data;

[0277] The retention rate is calculated based on the number of payment recipients using the first payment method in each period.

[0278] In one implementation, a piece of business data includes one or more payment methods; when the business data includes multiple payment methods, the business data also includes the execution order of the various payment methods; the business indicator of the first business scenario includes a priority usage rate; the priority usage rate is used to quantify the priority usage of the first payment method within a preset time period in the first business scenario;

[0279] The computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario, specifically for performing the following steps:

[0280] Counting a first number of target business data including multiple payment methods in P target business data;

[0281] Counting a second number of target business data that includes a first payment method and has the first payment method as the first execution order in the target business data including multiple payment methods;

[0282] calculating a ratio between the second amount and the first amount;

[0283] A ratio between the second amount and the first amount is determined as the priority usage rate.

[0284] In one implementation, a piece of business data includes one or more payment methods; the business data also includes payment results of various payment methods; the computer instructions in the computer-readable storage medium 904 are loaded by the processor 901 and are further used to perform the following steps:

[0285] Obtain payment results of the first payment method in the target business data including the first payment method in P target business data;

[0286] If the payment result of the first payment method indicates payment failure, obtain the failure reason;

[0287] Optimize the first business scenario based on the cause of failure.

[0288] In one implementation, the first payment method includes a palm-swipe payment method; a palm-swipe device is provided in the first business scenario;

[0289] When the computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to optimize the first business scenario according to the failure cause, the computer instructions are specifically used to perform the following steps:

[0290] If the failure reason indicates a device failure, the palm-swiping device in the first service scenario is repaired, or the palm-swiping device in the first service scenario is replaced;

[0291] If the failure reason indicates that the palm image accuracy is insufficient, adjust the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario; or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device.

[0292] In one implementation, any one of the N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data includes a first payment method; and a first business device corresponding to the first payment method is provided in the first business scenario;

[0293] When the computer instructions in the computer-readable storage medium 904 are loaded and executed by the processor 901 to obtain the i-th business data, the computer instructions are specifically used to perform the following steps:

[0294] Receive the i-th service data reported by the first service device according to the negotiated data reporting format.

[0295] In one implementation, a first service device corresponding to a first payment method is deployed in a first service scenario; N service data are obtained by the first service device through reporting according to a reporting strategy; the reporting strategy includes at least one of the following:

[0296] Report each business transaction when it generates corresponding business data;

[0297] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0298] When the deadline of the preset time period is reached, N business data will be reported in batches;

[0299] When the amount of business data generated within a preset time period reaches the reporting threshold, a report is triggered, and the reporting threshold is less than or equal to N;

[0300] Report upon receiving a reporting instruction;

[0301] Periodically reporting the N business data within a preset time period;

[0302] The data is encapsulated and reported according to the data reporting format.

[0303] In one implementation, any one of N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data does not include the first payment method, but includes the second payment method; the second payment method is any payment method different from the first payment method; a second business device corresponding to the second payment method is also provided in the first business scenario; wherein,

[0304] A two-way protocol is followed between the first business device and the second business device; when a business transaction based on the second payment method is performed on the second business device to generate the i-th business data, the second business device transmits the i-th business data to the first business device based on the two-way protocol, so that the first business device reports the i-th business data.

[0305] In one implementation, a bidirectional protocol SDK is integrated into both the first service device and the second service device. A process for transmitting i-th service data between the first service device and the second service device based on the bidirectional protocol is specifically configured to perform the following steps: the second service device, based on the bidirectional protocol SDK integrated therein, transmits the i-th service data generated by the service layer of the second service device to the underlying transmission interface of the second service device, and transmits the i-th service data to the first service device via the underlying transmission interface of the second service device;

[0306] The bottom layer transmission interface of the first service device receives the i-th service data transmitted by the bottom layer transmission interface of the second service device, and passes the i-th service data to the bidirectional protocol SDK integrated in the first service device to provide it to the service layer of the first service device for use;

[0307] Among them, the underlying transmission interface includes at least one of the following: USB interface, serial port, and wireless communication interface.

[0308] In an embodiment of the present application, N business data generated by business transactions in a first business scenario within a preset time period can be obtained, the first business scenario supports a first payment method, and the business data includes an identifier of the payment object and the payment method used for the business transaction. Since the N business data are generated in the first business scenario, the N business data can intuitively reflect the actual business transaction situation in the first business scenario. Based on the N business data, the business indicators are determined, which can enable the business indicators obtained by the present application to more accurately reflect the actual business transaction situation in the first business scenario. In addition, the embodiment of the present application can also obtain the type of payment object in the N business data, the type of payment object includes a first type, and the payment object of the first type has the right to use the first payment method; based on the type of payment object in the N business data, P target business data are selected from the N business data, and the payment objects represented by the identifiers of the payment objects contained in the P target business data are all payment objects of the first type. Based on the payment methods in the P target business data, the P target business data are statistically analyzed to determine the business indicators of the first business scenario, and the business indicators of the first business scenario are used to quantify the usage of the first payment method in the first business scenario within the preset time period. Since the P business data are obtained by screening the N business data based on the first type of payment object in the first business scenario, the P business data can intuitively reflect the actual payment situation of the payment object with the right to use the first payment method in the business transaction process. Based on these P business data as the analysis basis of the business indicators, the business indicators obtained by this application can more accurately reflect the actual use of the first payment method by the first type of payment object in the first business scenario. As can be seen from the above, the embodiment of the present application will analyze the business indicators in the specific business scenario in combination with the actual situation (including actual business transaction situation and actual payment situation) of the specific business scenario (such as the first business scenario), which enables the business indicators to accurately quantify the use of the specific payment method (such as the first payment method) in the specific business scenario, thereby helping to provide better business services.

[0309] According to one aspect of the present application, a computer program product or computer program is provided, comprising computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the service processing methods provided in the various optional embodiments described above.

[0310] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware through a computer program. The program can be stored in a computer-readable storage medium, and when executed, the program can include the processes in the above-described method embodiments. The storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0311] The above disclosure is merely a preferred embodiment of the present invention and certainly cannot be used to limit the scope of the present invention. Therefore, equivalent changes made according to the claims of the present invention are still within the scope of the present invention.

Claims

1. A business processing method, characterized in that: include: Obtaining N business data generated by business transactions in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of a payment object and a payment method used in the business transaction; N is an integer; Obtaining a type of payment object in the N business data; the type of the payment object includes a first type, and the payment object of the first type has permission to use the first payment method; Based on the types of payment objects in the N business data, P target business data are selected from the N business data; the payment objects represented by the payment object identifiers contained in the P target business data are all payment objects of the first type; P is an integer and P is less than or equal to N; Based on the payment methods in the P target business data, statistical analysis is performed on the P target business data to determine the business indicators of the first business scenario; the business indicators of the first business scenario are used to quantify the usage of the first payment method within the preset time period under the first business scenario.

2. The method according to claim 1, wherein The business indicator of the first business scenario includes at least one of the following: availability rate, usage frequency, retention rate and priority usage rate; The available utilization rate is used to quantify the usage ratio of the first payment method within the preset time period in the first business scenario; The usage frequency is used to quantify the frequency of use of the first payment method within the preset time period in the first business scenario; The retention rate is used to quantify the retention of payment recipients who use the first payment method within the preset time period in the first business scenario; The priority usage rate is used to quantify the situation in which the first payment method is preferentially used within the preset time period in the first business scenario.

3. The method according to claim 1 or 2, wherein: The business indicator of the first business scenario includes an available usage rate; the available usage rate is used to quantify the proportion of the first payment method used within the preset time period under the first business scenario; The performing statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario includes: Counting the total number of the first payment methods included in the P target business data; Counting the total number of all payment methods included in the P target business data; wherein all payment methods include the first payment method and other payment methods except the first payment method, and the total number of all payment methods refers to the sum of business data paid using various payment methods; Calculating a ratio between a total number of the first payment method included in the P target business data and a total number of all payment methods included in the P target business data; The quantity ratio is determined as the available utilization rate.

4. The method according to claim 1 or 2, wherein: The business indicator of the first business scenario includes a usage frequency; the usage frequency is used to quantify the frequency of use of the first payment method within the preset time period under the first business scenario; The performing statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario includes: Counting the total number of the first payment methods included in the P target business data; Calculating a frequency ratio between the total number of the first payment method in the P target business data and the length of the preset time period; The frequency ratio is determined as the usage frequency.

5. The method according to claim 1 or 2, wherein: The business indicator of the first business scenario includes a retention rate; the preset time period includes M periods, where M is a positive integer; the retention rate is used to quantify the retention of payment recipients who use the first payment method within the preset time period under the first business scenario; The performing statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario includes: Counting the number of payment recipients who use the first payment method in each of the P target business data; The retention rate is calculated based on the number of payment recipients using the first payment method in each of the periods.

6. The method according to claim 1 or 2, wherein: The business data includes one or more payment methods; when the business data includes multiple payment methods, the business data also includes the execution order of the various payment methods; the business indicator of the first business scenario includes a priority usage rate; the priority usage rate is used to quantify the priority usage of the first payment method within the preset time period in the first business scenario; The performing statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario includes: Counting a first number of the P target business data that include target business data of multiple payment methods; Counting a second number of target business data that includes a first payment method and has the first payment method as the first execution order in the target business data including multiple payment methods; calculating a ratio between the second amount and the first amount; A ratio between the second amount and the first amount is determined as the priority usage rate.

7. The method according to claim 1, wherein The business data includes one or more payment methods; the business data also includes payment results of various payment methods; the method further includes: Obtaining a payment result of the first payment method among the target business data including the first payment method in the P target business data; If the payment result of the first payment method indicates that the payment failed, obtaining the failure reason; The first business scenario is optimized according to the failure cause.

8. The method according to claim 7, wherein The first payment method includes a palm-swipe payment method; a palm-swipe device is provided in the first business scenario; The optimizing the first business scenario according to the failure cause includes: If the failure reason indicates a device failure, repairing the failure of the palm-swiping device in the first service scenario, or replacing the palm-swiping device in the first service scenario; If the failure reason indicates that the palm image accuracy is insufficient, adjust the palm image acquisition accuracy parameters of the palm swiping device in the first business scenario; or optimize the environmental attributes of the palm swiping device in the first business scenario to improve the palm image acquisition accuracy of the palm swiping device.

9. The method according to claim 1, wherein Any one of the N business data is represented as the i-th business data, where i is a positive integer and i is less than or equal to N; the i-th business data includes the first payment method; A first business device corresponding to a first payment method is provided in the first business scenario; The method of obtaining the i-th business data includes: Receive the i-th service data reported by the first service device according to the negotiated data reporting format.

10. The method according to claim 1, wherein a first service device corresponding to a first payment method is provided in the first service scenario; the N service data are obtained by reporting by the first service device according to a reporting strategy; the reporting strategy includes at least one of the following: Report each business transaction when it generates corresponding business data; When the deadline of the preset time period is reached, the N business data are reported in batches; When the end time of the preset time period is reached, the N business data are reported in batches; When the amount of service data generated within a preset time period reaches a reporting threshold, a report is triggered, and the reporting threshold is less than or equal to N; Report upon receiving a reporting instruction; Periodically reporting the N service data within the preset time period; The data is encapsulated and reported according to the data reporting format.

11. The method according to claim 10, wherein Any one of the N business data is represented as the i-th business data, where i is a positive integer and is less than or equal to N; the i-th business data does not include the first payment method, but includes a second payment method; the second payment method is any payment method different from the first payment method; the first business scenario also includes a second business device corresponding to the second payment method; wherein, A two-way protocol is followed between the first business device and the second business device; when a business transaction based on a second payment method is conducted on the second business device to generate the i-th business data, the second business device transmits the i-th business data to the first business device based on the two-way protocol, so that the first business device reports the i-th business data.

12. The method according to claim 11, wherein The first service device and the second service device are both integrated with a two-way protocol software development kit; The process of transmitting the i-th service data between the first service device and the second service device based on the bidirectional protocol includes: The second service device transmits the i-th service data generated by the service layer of the second service device to the underlying transmission interface of the second service device based on its integrated bidirectional protocol software development toolkit, and transmits the i-th service data to the first service device through the underlying transmission interface of the second service device; The underlying transmission interface of the first service device receives the i-th service data transmitted by the underlying transmission interface of the second service device, and passes the i-th service data to the bidirectional protocol software development toolkit integrated in the first service device to provide it to the service layer of the first service device for use; The underlying transmission interface includes at least one of the following: a universal serial bus interface, a serial port, and a wireless communication interface.

13. A business processing device, characterized in that: include: an acquisition unit, configured to acquire N business data generated by a business transaction in a first business scenario within a preset time period; the first business scenario supports a first payment method; the business data includes an identifier of a payment object and a payment method used in the business transaction; and N is an integer; The acquiring unit is further configured to acquire a type of payment object in the N business data; the type of payment object includes a first type, and the payment object of the first type has permission to use the first payment method; a processing unit configured to select P target business data from the N business data based on the types of payment objects in the N business data; the payment objects indicated by the payment object identifiers included in the P target business data are all payment objects of the first type; and P is an integer and is less than or equal to N; The processing unit is further used to perform statistical analysis on the P target business data based on the payment methods in the P target business data to determine the business indicators of the first business scenario; the business indicators of the first business scenario are used to quantify the usage of the first payment method within the preset time period under the first business scenario.

14. A computer device, characterized in that: The computer device comprises: a processor adapted to execute a computer program; A computer-readable storage medium storing a computer program, wherein the computer program, when executed by the processor, executes the service processing method according to any one of claims 1 to 12.

15. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the business processing method according to any one of claims 1 to 12 is executed.

16. A computer program product, characterized in that The computer program product includes a computer program, and when the computer program is executed by a processor, the service processing method according to any one of claims 1 to 12 is executed.

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