Method and device for issuing cost reduction money

Abstract

The invention discloses an immediate reduction money issuing method and device, relates to the technical field of financial information, and mainly aims to solve the problem that in the prior art, an immediate reduction money may continue to be issued to a user not conforming to a condition due to the fact that a user conforming to the condition cannot be accurately positioned according to a preset white list method, and resource waste is caused. According to the main technical scheme, the method comprises the steps of detecting whether an interaction instruction for a user account of an immediate deduction money activity page is received or not; if so, acquiring authorization response information of the user account according to a preset method; according to the authorization response information, judging whether a user account accords with a deduction money receiving condition or not; and if yes, issuing the deduction money to the user account through a deduction money issuing rule. The method is used for issuing the vertical reduced money.

Description

Technical Field

[0001] The present invention relates to the field of financial information technology, and in particular to a method and device for issuing instant discounts. Background Art

[0002] The rapid development of the mobile internet has made online platforms, such as mobile banking and WeChat mini-programs, the primary channel for users to access financial services. Consequently, businesses can attract target users by offering instant discounts on online platforms to those who meet specific criteria. For example, when a user who meets a spending limit makes a payment on an online platform, the system might prompt, "Pay with bank card X and receive an instant discount of XX yuan."

[0003] Currently, the most common method for issuing instant discounts to target users is to pre-set a whitelist. This involves selecting eligible users from a user database and creating a whitelist. This preliminary whitelist is then reviewed to ensure that users meet relevant policy requirements. Once approved, the instant discount is issued to the target users on the whitelist.

[0004] However, the current pre-configured whitelist approach has significant drawbacks when dealing with a large user base. Due to limited system resources, the pre-configured whitelist cannot be updated in real time. As a result, as the user database is updated, newly eligible target users may not be added to the whitelist in a timely manner, while ineligible users may remain on the whitelist. This mechanism prevents companies from accurately targeting eligible target users, potentially leading to continued instant discounts for ineligible users, resulting in a waste of resources. Summary of the Invention

[0005] In view of the above problems, the present invention provides a method and device for issuing instant discounts, the main purpose of which is to solve the problem in the existing technology that the preset whitelist method cannot accurately locate eligible users, thereby continuing to issue instant discounts to unqualified users, resulting in a waste of resources.

[0006] In order to solve the above technical problems, the present invention proposes the following solutions:

[0007] In a first aspect, the present invention provides a method for issuing instant discounts, the method comprising:

[0008] Detect whether an interactive instruction for the user account on the instant discount activity page has been received;

[0009] If received, obtain the authorization response information of the user account according to the preset method;

[0010] Determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information;

[0011] If it meets the requirements, the instant discount will be issued to the user account according to the instant discount issuance rules.

[0012] In a second aspect, the present invention provides a device for issuing instant discounts, the device comprising:

[0013] A detection unit, configured to detect whether an interaction instruction for a user account on the instant discount activity page has been received;

[0014] an acquiring unit, configured to acquire authorization response information of the user account according to a preset method if the detection result of the detecting unit is received;

[0015] a determination unit, configured to determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information obtained by the obtaining unit;

[0016] The issuing unit is used to issue the instant discount to the user account according to the instant discount issuance rules if the judgment result of the judging unit is compliance.

[0017] In order to achieve the above-mentioned purpose, according to the third aspect of the present invention, a storage medium is provided, which includes a stored program, wherein when the program is running, the device where the storage medium is located is controlled to execute the instant discount issuance method of the above-mentioned first aspect.

[0018] In order to achieve the above-mentioned object, according to a fourth aspect of the present invention, a processor is provided, wherein the processor is used to run a program, wherein when the program is run, the method for issuing instant discounts according to the first aspect is executed.

[0019] By utilizing the above technical solution, the present invention provides a method and device for distributing instant discounts. The method features an instant discount activity page. As long as a user browses the instant discount activity page through their user account, the system can detect any interaction instructions from the user account with the instant discount activity page. Subsequently, the system can obtain authorization response information from the user account according to a preset method, and then determine whether the user account meets the instant discount eligibility requirements based on the authorization response information. If the eligibility requirements are met, the instant discount can be distributed to the user account according to the instant discount distribution rules. Compared to the prior art, the instant discount distribution method of the present invention does not rely on a preset whitelist. Instead, it uses real-time user account interaction data on the instant discount activity page and the instant discount eligibility requirements to accurately locate eligible target users in real time, thereby ensuring that every instant discount is distributed to fully eligible target users and maximizing resource utilization. This effectively avoids the problems encountered in the prior art due to delayed whitelist updates, such as newly eligible target users being unable to receive the instant discount in a timely manner, or ineligible users remaining on the whitelist and continuing to receive the instant discount, resulting in wasted resources.

[0020] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present invention. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:

[0022] Figure 1 A flow chart of a method for issuing instant discounts provided by an embodiment of the present invention is shown;

[0023] Figure 2 A flow chart of another method for issuing instant discounts provided by an embodiment of the present invention is shown;

[0024] Figure 3 The following is a block diagram showing the composition of a device for issuing instant discounts provided by an embodiment of the present invention;

[0025] Figure 4 A block diagram showing the composition of another instant discount payment device provided by an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0026] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0027] The current pre-configured whitelist strategy faces a challenge: limited system resources prevent the pre-configured whitelist from being updated in real time. As the user database continues to update, newly eligible target users may not be added to the whitelist in a timely manner. Meanwhile, some users who no longer meet the requirements may remain on the whitelist. This situation can prevent companies from accurately identifying eligible target users, leading to the mistaken issuance of instant discounts to inappropriate users, resulting in unnecessary resource waste. To address this issue, the inventors have proposed a new instant discount distribution method that eliminates the whitelist mechanism and instead employs real-time dynamic positioning technology to precisely locate eligible target users. Specifically, a page for instant discount activity is constructed as a user interaction portal. Once a user accesses this page through their account, the system automatically triggers the user authorization process to honor and obtain the user's explicit authorization response. This authorization response is then used to screen eligible target users. This real-time positioning and screening mechanism fundamentally eliminates the lag and inaccuracy inherent in traditional whitelist mechanisms, ensuring that instant discounts are accurately distributed to truly eligible users, effectively avoiding resource misallocation and waste.

[0028] The execution body of the above-mentioned instant discount payment method is the instant discount payment system, which includes three parts: the front-end instant discount activity page, the background server supporting the instant discount activity page, and the instant discount payment module called by the background server.

[0029] The front-end instant discount activity page can be embedded in mobile banking or other financial applications. After the user logs in to the corresponding financial app account, if they browse or click on the instant discount activity page, the back-end server can detect these interactive instructions.

[0030] After detecting an interaction with a user account on the instant discount promotion page, the backend server can perform a series of operations, including obtaining user authorization to obtain an authorization response from the user account. Based on this authorization response, the backend server can then determine whether the user account meets the requirements for receiving the instant discount. For users who meet the requirements, the backend server can perform a series of pre-processing tasks before issuing the instant discount, such as confirming the rules for receiving the instant discount.

[0031] After completing the pre-processing, the backend server can call the instant discount payment module to actually issue the discount. For users who do not meet the eligibility requirements, the backend server will send a notification message to the account that browsed the discount activity page, informing them that they cannot receive the discount. In other words, the instant discount payment module only performs the actual payment of the discount. The instant discount payment module can be a WeChat mini-program.

[0032] It's important to understand that while the instant discount promotion pages may be deployed on multiple platforms, the backend servers supporting these promotion pages are independent systems. They are not dependent on the specific platform on which the promotion pages are deployed and may be located in a completely different physical location or server. This design ensures the independence and stability of the backend servers, providing consistent support and services regardless of where the promotion pages are deployed.

[0033] The specific execution steps of the instant discount payment method proposed in the embodiment of the present invention are as follows: Figure 1 Shown, including:

[0034] 101. Detect whether an interactive instruction for the user account of the instant discount activity page is received.

[0035] The preceding steps have already introduced the pre-configured instant discount activity page in this embodiment of the present invention. It's important to emphasize that to increase the visibility of the instant discount activity page, it needs to be deployed on multiple platforms. To this end, a variety of strategies can be adopted during the deployment process, and the appropriate method can be selected based on specific needs.

[0036] For example, you can adopt a component-based development strategy. This approach breaks down a page into several independent components, each responsible for a specific functional area of ​​the page. This design allows these components to be reused across different applications, improving development efficiency and page maintainability.

[0037] In addition, using cloud service platforms is also an effective means of multi-platform deployment. This platform allows the same code or page to run on different operating systems and devices, greatly simplifying the complexity of cross-platform development.

[0038] In addition, the use of cloud functions is also a way to achieve cross-platform logic sharing. Through cloud functions, developers can share the same business logic on multiple platforms without having to consider the underlying architecture differences between these platforms.

[0039] To sum up, in the embodiments of the present invention, component-based development, cloud service platform, cloud function and other methods can be used to achieve multi-platform deployment of the instant discount activity page while maintaining consistency of user experience and development efficiency.

[0040] After the deployment of the instant discount activity page is completed, when the user logs in to the financial application platform account or mobile banking account through his terminal device and actively clicks on the instant discount activity page embedded in the platform, the background response mechanism will be triggered, that is, the background server of the instant discount issuance system will detect the user's interaction instructions for the instant discount activity page and execute step 102; on the contrary, if the background server does not detect the user's interaction instructions for the instant discount activity page, it can continue to detect.

[0041] 102. Obtain authorization response information of the user account according to a preset method.

[0042] In this step, in order to protect user privacy and improve user satisfaction, after the user explicitly authorizes, the authorization response information of the user account can be obtained to determine whether the user account meets the conditions for receiving the instant discount.

[0043] It's important to note that the authorization response only contains necessary authentication data and does not include sensitive information such as the user's phone number or personal identity. Furthermore, when the authorization response is retrieved from the user's financial platform account, it is encrypted. Therefore, decryption is required to obtain the specific authorization response information.

[0044] It should be noted that the instant discount activity page of this embodiment is deployed on multiple financial platforms, and the user account information on different financial platforms may vary, such as account opening time and location. Therefore, the decrypted authorization response information may vary depending on the specific situation of each platform.

[0045] To ensure transparency in the user authorization process and protect user rights, a clear and understandable method should be used to obtain authorization responses. This can occur when the backend server detects user interaction with the instant discount promotion page and sends an authorization prompt to the user. This prompt should clearly explain what account information the system will collect after the user authorizes the user. Furthermore, a link to the privacy policy can be placed prominently on the instant discount promotion page, allowing users to easily read and understand how their personal data will be processed. Users can only authorize the system to access their account information after carefully reading and agreeing to the privacy policy. In short, regardless of the method used, transparency in the user authorization process should be ensured so that users fully understand their rights and the use of their data. This will help build and maintain user trust and promote a healthy data usage environment.

[0046] 103. Determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information.

[0047] In this step, various methods can be used to determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information. If the conditions are met, step 104 can be executed; otherwise, no subsequent steps are required and the user can be directly notified that the discount cannot be received.

[0048] It's important to note that claim conditions typically correspond to various metrics. For example, if the authorization response includes metrics like account opening time and location, claim conditions might include whether the account opening time falls within a specified time period and whether the account opening location is located at a specified location.

[0049] Therefore, the first approach is to ensure that each indicator in the authorization response meets the corresponding redemption conditions. Only when all relevant conditions are met will the user's account be considered eligible for the instant discount.

[0050] The second method is to set a core claim condition with a higher weight in the claim conditions. Even if the user's authorization response information does not meet the corresponding claim conditions, as long as the core claim condition and the corresponding core indicator data are met, the user's account will be considered eligible for the instant discount.

[0051] In actual operation, the applicable method can be selected according to specific needs, and this embodiment does not make specific limitations. For example, assuming that the main goal of a company is to attract users in a specific area to enhance offline traffic, then the second method can be given priority. In this case, the account opening location in the authorization response information can be used as a key indicator, and the account opening location in the designated area can be set as a crucial core collection condition. As long as the account opening location of the user account meets this core condition, it can be determined that the user account meets the qualifications for receiving the instant discount, even if it does not fully meet the other collection conditions. This approach can ensure that the company attracts users in the target area and effectively achieves the goal of offline drainage. In addition, the collection conditions in the embodiment of the present invention can be adjusted according to actual conditions.

[0052] 104. If the conditions are met, the instant discount will be issued to the user’s account according to the instant discount issuance rules.

[0053] When a user's account meets the requirements for receiving the instant discount, the backend server can determine a series of rules for the instant discount. For example, it can determine whether the instant discount amount needs to be adjusted, and if multiple user accounts meet the requirements at the same time, whether the instant discounts should be paid out simultaneously or sequentially. Once the rules are determined, the backend server can call the instant discount payment module to distribute the instant discount to the user's account according to the rules.

[0054] Based on the above Figure 1As can be seen from the implementation method, the present invention provides a method for distributing instant discounts, which features an instant discount activity page. As long as a user browses the instant discount activity page through their user account, the system can detect any interaction instructions from the user account with the instant discount activity page. Next, the system can obtain authorization response information from the user account according to a preset method, and then determine whether the user account meets the instant discount eligibility requirements based on the authorization response information. If the eligibility requirements are met, the instant discount can be distributed to the user account according to the instant discount distribution rules. Compared to the prior art, the instant discount distribution method of the present invention does not rely on a preset whitelist. Instead, it uses real-time user account interaction data with the instant discount activity page and the instant discount eligibility requirements to accurately locate eligible target users in real time, thereby ensuring that every instant discount is distributed to fully eligible target users and maximizing resource utilization. This effectively avoids problems in the prior art caused by delayed whitelist updates, such as newly eligible target users being unable to receive the instant discount in a timely manner, or ineligible users remaining on the whitelist and continuing to receive the instant discount, resulting in wasted resources.

[0055] Furthermore, as a Figure 1 The embodiment shown in the figure is refined and expanded. The embodiment of the present invention also provides another method for issuing instant discounts, such as Figure 2 As shown, the specific steps are as follows:

[0056] 201. Detect whether an interaction instruction for a user account on the instant discount activity page is received.

[0057] Among them, the implementation method of step 201 is the same as that of step 101, and can achieve the same technical effect and solve the same technical problem, so it will not be repeated here.

[0058] 202. Obtain authorization response information of the user account according to a preset method.

[0059] In this embodiment, before the instant discount activity page is deployed, relevant parameters of the instant discount activity, such as activity time, number of redemption times, and redemption conditions, can be set.

[0060] Then, when it detects an interaction between the user account and the instant discount activity page, the backend server will prioritize using a preset communication protocol to send an information authorization request to the user account. This request clearly indicates the authorization response information corresponding to the pre-set redemption conditions that must be received after successful authorization, allowing the user to decide whether to authorize the instant discount based on this request. If the user clicks Confirm Authorization, the backend server will receive the user account's confirmation authorization instruction and subsequently obtain the authorization response information corresponding to the instant discount redemption conditions.

[0061] A user account may contain a lot of information, and this embodiment aims to extract some information corresponding to the conditions for claiming from this information, namely the authorization response information. Therefore, measures need to be taken to ensure that the authorization response information is accurately obtained from the user account information. The following are specific measures:

[0062] A dynamic authorization mechanism is introduced to ensure that users can clearly understand and independently control their data access rights. When initiating an authorization request, a detailed and understandable list of authorization information is presented to the user in the information authorization request (the list may include mandatory items corresponding to the conditions for receiving the information, and the mandatory items can be marked next to them as mandatory options for receiving the instant discount). This list details the encrypted information items that the backend server will be able to access if the authorization is successful. To enhance transparency, these information items can be presented in the form of an intuitive checklist, with a checkbox next to each information item.

[0063] The user can then express their consent to authorize which information items by checking the corresponding checkboxes. This process not only gives the user a high degree of control but also ensures the user's active participation and informed consent during the authorization process.

[0064] Once the user completes the checkbox and submits the request, the selection is immediately transmitted to the backend server for processing. The backend server receives a confirmation authorization instruction from the user account, which clearly contains the authorization information expressed by the user through the checkbox list, that is, which information items the user has explicitly authorized to access.

[0065] As explained above, the user is clearly informed in the authorization request which items must be checked to receive the instant discount. If the backend server detects that the user has not checked these required items in the authorization request, it can directly return a notification to the user stating that they do not meet the requirements, along with a detailed explanation of the reasons.

[0066] If the returned authorization information indicates that the user has successfully checked all required options for receiving the instant discount, the backend server can use this authorization information to initiate a request to the financial platform to obtain the authorization response information corresponding to the encrypted information authorized by the user. In other words, the authorization response information received by the backend server of the instant discount payment system from the financial platform is encrypted and needs to be decrypted to obtain the clear authorization response information.

[0067] Through the above-mentioned dynamic authorization mechanism, not only the user's control over the flow of personal data is improved, but also the security and compliance of the data authorization process are strengthened.

[0068] The preset communication protocol may be HTTP (Hypertext Transfer Protocol), which is commonly used in scenarios such as authorization, authentication, and API calls in Web applications. Other communication protocols may also be flexibly selected based on specific application scenarios, security requirements, compatibility, and performance.

[0069] 203. Determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information.

[0070] In this step, if step 202 successfully obtains the decrypted authorization response information corresponding to the redemption conditions, this step preferably matches each indicator data in the authorization response information with the corresponding redemption conditions in the instant discount redemption conditions. Only when each indicator data successfully matches the corresponding redemption condition can the user account be determined to meet the redemption conditions and step 204 is executed. If any one indicator data does not match successfully, the user account is considered to be ineligible for redemption and a redemption failure notification is sent to the user account. In this way, the company can ensure that marketing resources and rewards are effectively allocated to target users who truly meet the conditions, thereby improving the return on investment of marketing activities.

[0071] The authorization response includes the login scope and account opening time. The redemption conditions include the account login scope being within the target scope and the account opening time being within a specified time period. For example, if the authorization response contains a login scope of City A and an account opening time of January 1, 2024, and the redemption conditions require the account login scope to be City B and the account opening time to be between January 2, 2024 and February 2, 2024, the user account will be deemed ineligible for redemption.

[0072] In addition, the login range can be reflected in the form of login coordinates. Of course, the collection conditions and corresponding authorization response information can be increased or decreased according to actual needs.

[0073] 204. If the conditions are met, the transaction records of the user account within the specified period are obtained using a preset interface, where the transaction records include the transaction frequency of the user account.

[0074] 205. Obtain an instant discount amount for the user's account based on the transaction frequency.

[0075] 206. Instant discount will be issued to the user account according to the amount of instant discount.

[0076] In steps 204 through 206, the backend server initiates a request to the financial platform's interface endpoint (pre-set interface) using a pre-agreed communication protocol. This request includes necessary parameters and is primarily intended to obtain the user's account transaction history for a specified period. This transaction history includes the transaction frequency. Upon receiving the request, the financial platform processes it and returns the corresponding transaction history to the backend server of the instant discount payment system.

[0077] After receiving the transaction records, the backend server will calculate the instant discount amount for the user's account based on the transaction frequency. Once the calculation is complete, the backend server will call the instant discount payment module to pay the user's account according to the calculated instant discount amount.

[0078] It is worth noting that obtaining transaction records over an extended period may result in a large amount of data and increased difficulty in analysis. Therefore, in this embodiment, the designated period should be appropriately shortened to facilitate more efficient data processing and analysis. Specifically, the designated period can be the seven business days closest to the current time, or the most recent month. This period selection can provide sufficient transaction information for analysis while avoiding processing difficulties caused by excessive data volumes, thereby ensuring the accuracy and efficiency of the instant discount payment system.

[0079] Furthermore, the financial platforms mentioned in the embodiments of the present invention for obtaining user authorization response information and user account transaction records refer to the specific financial institution service platform that the user logged into. Given that there may be multiple user accounts, and each user may log into a different financial platform, the backend server may communicate with multiple financial platforms. The financial platforms here encompass various mobile banking applications and other types of financial service applications.

[0080] In step 205, the specific steps for obtaining the instant discount amount of the user account based on the transaction frequency may be:

[0081] First, determine whether the transaction frequency of the user account exceeds the preset frequency threshold. If not, calculate the first product value between the transaction frequency and the preset additional instant discount amount coefficient, and then determine the first sum of the first product value and the basic instant discount amount as the instant discount amount of the user account. The formula is:

[0082] (Transaction frequency × preset additional instant discount amount coefficient) + basic instant discount amount =

[0083] Instant discount amount (Formula 1)

[0084] For example, the basic instant discount amount is 5 yuan, the transaction frequency is 20 times, and the preset additional instant discount amount coefficient is 0.05. The final instant discount amount is: 5 + (20 × 0.05) = 6

[0085] The base instant discount amount is a fixed, pre-set value that applies to all user accounts. However, based on the aforementioned formula and the varying transaction frequencies of each user account, the final instant discount amount will vary from account to account. This mechanism fully demonstrates the flexibility and fairness of the instant discount program, allowing each user's participation experience to more closely reflect their actual spending habits, thereby stimulating greater participation and satisfaction.

[0086] Additionally, the preset bonus instant discount factor is used to calculate the additional bonus based on a user's trading frequency. Specifically, this factor is multiplied by the user's trading frequency to represent the additional bonus the user receives based on their trading activity.

[0087] To more effectively control costs, once a user's transaction frequency exceeds the preset frequency threshold, the calculation method of the instant discount will be adjusted to ensure cost controllability. The second product value between the preset frequency threshold and the preset additional instant discount amount coefficient will be calculated, and the second sum of the second product value and the basic instant discount amount will be used to determine the instant discount amount in the user's account. The formula is:

[0088] (Preset frequency threshold × Preset additional instant discount amount coefficient) + Basic instant discount amount = Instant discount amount (Formula 2)

[0089] When issuing the instant discount to the user account according to the instant discount amount in step 206, the backend server also needs to consider the following issues:

[0090] To efficiently utilize system resources, when issuing instant discounts to multiple user accounts simultaneously, the backend server can first sort these accounts. After sorting, the instant discount issuance module can be called sequentially according to the sort order to issue the corresponding instant discount amount to each user account. This not only conserves system resources but also improves resource utilization.

[0091] When sorting, you can first sort from large to small according to the instant discount amount corresponding to the user account to obtain the initial issuance priority to ensure that user accounts with large amounts are issued first.

[0092] Of course, there's a special case to consider: two or more parallel user accounts with identical instant discount amounts. In this case, these accounts will be tied in the initial payment priority. To address this situation, the initial payment priority needs to be further adjusted for the parallel user accounts to arrive at the final target payment priority. The backend server then calls the instant discount payment module sequentially according to the order of the target payment priority, issuing the corresponding instant discount amount to each user account.

[0093] When adjusting the initial payment priority, you can adjust the historical instant discount redemption records for all associated user accounts. After users use their instant discounts, the backend server will record the redemption records for their corresponding accounts. Therefore, during this step, the server will first check all associated user accounts based on their account information to see if they have corresponding historical redemption records.

[0094] If all parallel user accounts have no corresponding historical verification records, the backend server can randomly adjust the order between these accounts based on the preliminary issuance priority, thereby establishing the final target issuance priority.

[0095] If all parallel user accounts have corresponding historical redemption records, a ranking rule can be established from low to high based on the historical redemption frequency of these accounts. Based on this rule, the order between parallel user accounts can be adjusted based on the initial issuance priority to determine the desired target issuance priority. In other words, in this embodiment, the issuance of instant redemptions to old users who have received a high number of instant redemptions is delayed in order to prioritize new users who receive them less frequently. This approach aims to promote the activity of new users by adjusting the issuance priority.

[0096] For example, the known preliminary payment priority results are user account 1, user account 2, and two tied user accounts, A and B. Now it's known that user account A has a higher historical instant discount write-off frequency than user account B. Therefore, A can be ranked after B. Therefore, the final target payment priority is: user account 1, user account 2, user account B, and user account A.

[0097] Similarly, if there are existing user accounts with historical instant discount write-offs and new user accounts without such records, the new user accounts should be ranked before the existing ones. This arrangement is intended to provide more incentives for new users and also promote the growth of the enterprise's user base.

[0098] Furthermore, as a response to the above Figure 1In order to realize the method shown in the figure, the embodiment of the present invention also provides a device for issuing instant discounts, which is used to Figure 1 This device embodiment corresponds to the aforementioned method embodiment. For ease of reading, this device embodiment will not describe the details of the aforementioned method embodiment one by one, but it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment. Figure 3 As shown, the device includes:

[0099] The detection unit 301 is used to detect whether an interaction instruction for the user account of the instant discount activity page is received;

[0100] The acquiring unit 302 is configured to acquire authorization response information of the user account according to a preset method if the detection result of the detecting unit 301 is received;

[0101] A determination unit 303 is configured to determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information obtained by the obtaining unit 302;

[0102] The issuing unit 304 is configured to issue the instant discount to the user account according to the instant discount issuance rules if the judgment result of the judging unit 303 is compliance.

[0103] Furthermore, as a response to the above Figure 2 In addition to the implementation of the method shown in the figure, the embodiment of the present invention also provides another instant discount payment device for the above Figure 2 This device embodiment corresponds to the aforementioned method embodiment. For ease of reading, this device embodiment will not describe the details of the aforementioned method embodiment one by one, but it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment. Figure 4 As shown, the device includes:

[0104] The detection unit 301 is used to detect whether an interaction instruction for the user account of the instant discount activity page is received;

[0105] The acquiring unit 302 is configured to acquire authorization response information of the user account according to a preset method if the detection result of the detecting unit 301 is received;

[0106] A determination unit 303 is configured to determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information obtained by the obtaining unit 302;

[0107] The issuing unit 304 is configured to issue the instant discount to the user account according to the instant discount issuance rules if the judgment result of the judging unit 303 is compliance.

[0108] In an optional implementation, the issuing unit 304 includes:

[0109] Record acquisition module 3041, used to obtain the transaction records of the user account within a specified period using a preset interface, wherein the transaction records include the transaction frequency of the user account;

[0110] An amount determination module 3042 is configured to obtain an instant credit amount for a user's account based on the transaction frequency in the transaction records obtained by the record obtaining module 3041;

[0111] The amount disbursement module 3043 is configured to distribute the instant discount to the user account according to the instant discount amount determined by the amount determination module 3042 .

[0112] In an optional implementation, the amount determination module 3042 is specifically configured to:

[0113] Determining whether the transaction frequency of the user account exceeds a preset frequency threshold;

[0114] If not, calculating a first product value between the transaction frequency and a preset additional instant discount amount coefficient, and determining a first sum of the first product value and the basic instant discount amount as the instant discount amount of the user account;

[0115] If it exceeds, a second product value between the preset frequency threshold and the preset additional instant discount amount coefficient is calculated, and a second sum of the second product value and the basic instant discount amount is determined as the instant discount amount of the user account.

[0116] In an optional implementation, the amount disbursement module 3043 is specifically configured to:

[0117] If there are multiple user accounts, the accounts will be sorted according to the rule of the instant discount amount from large to small to obtain the initial priority of issuance;

[0118] If there are parallel user accounts in the initial issuance priority, the initial issuance priority is adjusted according to the historical instant discount write-offs of the parallel user accounts to obtain the target issuance priority;

[0119] Instant discounts corresponding to the instant discount amount are issued to each user account in the order of the target issuance priority.

[0120] In an optional implementation, when the amount disbursement module 3043 adjusts the initial disbursement priority according to the historical instant credit write-offs of the parallel user accounts to obtain the target disbursement priority, it is specifically configured to:

[0121] Determining whether there are historical instant credit write-offs in at least two user accounts corresponding to the parallel user account;

[0122] If neither exists, randomly adjusting the order of the at least two user accounts in the preliminary issuance priority to obtain a target issuance priority;

[0123] If both exist, the order of the at least two user accounts in the preliminary issuance priority is adjusted according to the rule of low to high frequency of historical instant discount cancellations corresponding to the at least two user accounts to obtain the target issuance priority.

[0124] In an optional implementation, the acquiring unit 302 includes:

[0125] The request sending module 3021 is used to send an information authorization request to the user account using a preset communication protocol, so that the user account can confirm whether to authorize the information to receive the instant discount;

[0126] The information acquisition module 3022 is configured to acquire the authorization response information of the user account if a confirmation authorization instruction of the user account returned by the request sending module 3021 is detected.

[0127] In an optional implementation, the judging unit 303 includes:

[0128] Data acquisition module 3031, used to obtain various indicator data in the authorization response information, including login scope and account opening time;

[0129] Condition determination module 3032, configured to determine whether the various indicator data acquired by data acquisition module 3031 meet the conditions for receiving the instant discount, wherein the conditions include the account login range being within the target range and the account opening time being within a specified time period;

[0130] The first determination module 3033 is configured to determine whether the user account meets the conditions for receiving the instant discount if the determination result of the condition determination module 3032 is yes;

[0131] The second determination module 3034 is configured to determine that the user account does not meet the conditions for receiving the instant discount if the determination result of the condition determination module 3032 is no, and send a notification of a failure to receive the discount to the user account.

[0132] Furthermore, an embodiment of the present invention further provides a storage medium for storing a computer program, wherein when the computer program is running, the device where the storage medium is located is controlled to execute the above Figure 1-2 The method of issuing instant discounts as described in the .

[0133] Furthermore, an embodiment of the present invention further provides a processor, which is used to run a program, wherein the program executes the above-mentioned Figure 1-2 The method of issuing instant discounts as described in the .

[0134] In the above embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0135] It is understood that the relevant features of the above methods and devices can be referenced to each other. In addition, the terms "first" and "second" in the above embodiments are used to distinguish between the embodiments, and do not represent the advantages and disadvantages of the embodiments.

[0136] Those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0137] The algorithm and display provided herein are not inherently related to any particular computer, virtual system or other device. Various general-purpose systems can also be used together with the teachings based on this. According to the above description, it is obvious that the structure required for constructing this type of system. In addition, the present invention is not directed to any specific programming language. It should be understood that various programming languages ​​can be utilized to realize the content of the present invention described herein, and the above description of specific languages ​​is for the purpose of disclosing the best mode of the present invention.

[0138] In addition, the memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0139] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0140] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the steps in the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0141] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0142] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0143] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0144] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0145] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0146] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0147] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0148] The above are merely embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.

Claims

1. A method for issuing instant discounts, characterized in that: The method comprises: Detect whether an interactive instruction for the user account on the instant discount activity page is received; If received, obtain the authorization response information of the user account according to the preset method; Determine whether the user account meets the conditions for receiving the instant discount according to the authorization response information; If it meets the requirements, the instant discount will be issued to the user account according to the instant discount issuance rules.

2. The method according to claim 1, characterized in that The instant discount is issued to the user account according to the instant discount issuance rules, including: Obtaining transaction records of a user account within a specified period using a preset interface, wherein the transaction records include the transaction frequency of the user account; Obtaining an instant discount amount for the user account based on the transaction frequency; The instant discount is issued to the user account according to the amount of the instant discount.

3. The method according to claim 2, characterized in that The instant discount amount of the user account is obtained based on the transaction frequency, including: Determining whether the transaction frequency of the user account exceeds a preset frequency threshold; If not, calculating a first product value between the transaction frequency and the preset additional instant discount amount coefficient, and determining a first sum value between the first product value and the basic instant discount amount as the instant discount amount of the user account; If exceeded, a second product value between the preset frequency threshold and the preset additional instant discount amount coefficient is calculated, and a second sum value between the second product value and the basic instant discount amount is determined as the instant discount amount of the user account.

4. The method according to claim 2, characterized in that: The instant discount is issued to the user account according to the instant discount amount, including: If there are multiple user accounts, the multiple user accounts are sorted according to the rule of the instant discount amount from large to small to obtain the initial issuance priority; If there are parallel user accounts in the preliminary issuance priority, the preliminary issuance priority is adjusted according to the historical instant deduction settlement of the parallel user accounts to obtain the target issuance priority; Instant discounts corresponding to the instant discount amount are issued to each user account in sequence according to the order of the target issuance priority.

5. The method according to claim 4, characterized in that The initial issuance priority is adjusted according to the historical instant deduction settlement status of the parallel user accounts to obtain the target issuance priority, including: Determine whether there are historical instant deduction write-offs in at least two user accounts corresponding to the parallel user accounts; If none of them exist, randomly adjusting the order of the at least two user accounts in the preliminary issuance priority to obtain a target issuance priority; If both exist, then according to the rule that the historical instant discount write-off frequency is from low to high in the historical instant discount write-off situations corresponding to the at least two user accounts respectively, the order of the at least two user accounts in the preliminary issuance priority is adjusted to obtain the target issuance priority.

6. The method according to claim 1, characterized in that Obtain the authorization response information of the user account according to the preset method, including: Using a preset communication protocol to send an information authorization request to the user account, so that the user account can confirm whether to authorize the information to receive the instant discount; If a confirmation authorization instruction of the user account is detected, the authorization response information of the user account is obtained.

7. The method according to claim 1, characterized in that Determine whether the user account meets the conditions for receiving the instant discount based on the authorization response information, including: Obtain various indicator data in the authorization response information, wherein the various indicator data include login scope and account opening time; Determine whether all indicator data meet the conditions for receiving the instant discount, which include that the account login range is within the target range and the account opening time is within the specified time period; If so, it is determined that the user account meets the conditions for receiving the instant discount; If not, it is determined that the user account does not meet the conditions for receiving the instant discount, and a notification of failed receipt is sent to the user account.

8. A device for disbursing instant discounts, characterized in that: The device comprises: A detection unit, used to detect whether an interaction instruction for a user account on the instant discount activity page is received; an acquiring unit, configured to acquire authorization response information of the user account according to a preset method if the detection result of the detecting unit is received; A determination unit, configured to determine whether the user account meets the conditions for receiving the instant discount according to the authorization response information obtained by the obtaining unit; The issuing unit is used to issue the instant discount to the user account according to the instant discount issuance rules if the judgment result of the judging unit is compliance.

9. A storage medium, characterized in that: The storage medium includes a stored program, wherein when the program is executed, the device where the storage medium is located is controlled to execute the method for issuing instant discounts as described in any one of claims 1 to 7.

10. A processor, characterized in that: The processor is used to run a program, wherein the program, when running, executes the method for issuing instant discounts as described in any one of claims 1 to claim 7.

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