Guarantee-based service processing method and device

Abstract

The embodiment of the invention provides a guarantee-based service processing method and device, and the method comprises the steps: obtaining the user information of a user accessing a target service; if the user information does not meet the access condition of the target service, querying a guarantee relationship established between an associated user performing service guarantee on the user and the user; detecting whether a target guarantee relationship meeting the guarantee condition of the target service exists in the inquired guarantee relationships or not; and if yes, performing service processing of the user under the target service based on the target guarantee relationship.

Description

[0001] This application is a divisional application of the Chinese invention patent application with the application date of May 25, 2022, application number 202210577503.X, and name “Guarantee-based service processing method and device”. Technical Field

[0002] This document relates to the field of data processing technology, and in particular to a guarantee-based service processing method and device. Background Art

[0003] With the development of Internet technology and the popularization of mobile terminals, more and more services have begun to extend to online scenarios. For example, online processing methods such as credit lending and service reservations are becoming more frequent and convenient in online scenarios. As the application scope and application scenarios of online processing methods become more and more extensive, the diversified demands of all parties for online processing are also increasing, which poses a higher test for the providers of online services. Summary of the invention

[0004] One or more embodiments of the present specification provide a guarantee-based service processing method, including: obtaining user information of a user accessing a target service. If the user information does not meet the access conditions of the target service, querying the guarantee relationship established between the associated user who provides service guarantee to the user and the user. Detecting whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; if so, performing service processing for the user under the target service based on the target guarantee relationship.

[0005] One or more embodiments of the present specification provide a service processing device based on guarantee, including: a user information acquisition module, configured to obtain user information of users accessing a target service. A guarantee relationship query module, configured to query the guarantee relationship established between the associated user who provides service guarantee to the user and the user if the user information does not meet the access conditions of the target service. A detection module, configured to detect whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; if so, run a service processing module. The service processing module is configured to perform service processing for the user under the target service based on the target guarantee relationship.

[0006] One or more embodiments of the present specification provide a guarantee-based service processing device, including: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: obtains user information of a user accessing a target service. If the user information does not meet the access conditions of the target service, query the guarantee relationship established between the associated user who provides service guarantee to the user and the user. Detect whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; if so, perform service processing for the user under the target service based on the target guarantee relationship.

[0007] One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: obtaining user information of a user accessing a target service. If the user information does not meet the access conditions of the target service, querying the guarantee relationship established between the user and an associated user who provides service guarantee to the user. Checking whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; if so, performing service processing for the user under the target service based on the target guarantee relationship. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A process flow chart of a guarantee-based service processing method provided for one or more embodiments of this specification; Figure 2 A processing flow chart of a guarantee-based service processing method applied to a credit service scenario provided in one or more embodiments of this specification; Figure 3 A schematic diagram of a contract performance scenario of a credit loan service provided for one or more embodiments of this specification; Figure 4 A schematic diagram of a default scenario of a credit loan service provided for one or more embodiments of this specification; Figure 5 A process flow chart of another guarantee-based service processing method provided for one or more embodiments of the present specification; Figure 6 A schematic diagram of a guarantee-based service processing device provided for one or more embodiments of this specification; Figure 7 A schematic diagram of the structure of a guarantee-based service processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0009] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0010] This specification provides an embodiment of a service processing method based on guarantee: Reference Figure 1 The present embodiment provides a guarantee-based service processing method, which specifically includes steps S102 to S108.

[0011] Step S102: obtaining user information of a user accessing the target service.

[0012] The guarantee-based service processing method provided in the present application guarantees the user's use of the target service based on the guarantee relationship established between the associated user who provides service guarantee to the user and the user, when the user uses the target service but does not meet the access conditions of the target service. Moreover, by detecting whether the associated user who has established a guarantee relationship with the user meets the access conditions of the target service, the user's use of the target service is guaranteed based on the target guarantee relationship established between the associated user who meets the access conditions of the target service and the user, thereby "sharing" the associated user's ability to use the target service with the user through the service guarantee between the user and the associated user, lowering the user's usage threshold for using the target service. At the same time, by using the associated user who meets the access conditions of the target service as the guarantor to guarantee the user who does not meet the access conditions of the target service, the risk of lowering the usage threshold of the target service under the guarantee system is reduced, which helps to ensure the safe use of the target service.

[0013] The target service in this embodiment refers to the online service or data service currently accessed by the user. Specifically, the target service may be a credit-related credit service, such as a credit loan service, a credit-based item loan and return service without collateral, a credit lease, a credit-based preferential first-enjoy service (enjoy the preferential treatment first, settle the fee after the rights expire), etc.; the target service may also be a reservation service or an appointment service, such as an accommodation reservation service or a ticket reservation service, etc. Optionally, the target service is provided by the first application installed on the user terminal of the user, that is, the target service is a service in the first application currently accessed by the user.

[0014] In actual applications, taking credit services as an example, a certain "service threshold" is often set. The "service threshold" can be based on the user's credit meeting certain conditions, such as the user's credit rating is higher than a specific credit rating threshold, or the user has not committed any credit default behavior in the past specific time period. Only users who meet the "service threshold" are allowed to use the credit service; therefore, in the process of the user accessing the target service, the user's user information needs to be obtained to provide a data basis for the subsequent detection of whether the user meets the access conditions of the target service based on the user information.

[0015] In specific implementation, in the process of obtaining the user information of the user, all user information generated by the user in the first application can be obtained; in addition, in order to improve the acquisition efficiency, the user information of the user under the service type, the user information of the user under the access condition detection type, or the user information under the data type required for access condition detection can also be obtained according to the service type of the target service, the detection type of the access condition of the target service, or the data type required for access condition detection. For example, in the case of detecting a user's access request to a credit service, the user's credit information is queried as the user information based on the user identifier carried in the access request.

[0016] Step S104: if the user information does not meet the access conditions of the target service, query the guarantee relationship established between the associated user who guarantees the service to the user and the user.

[0017] The access condition refers to the service usage condition set for users accessing the target service, and only users who meet the access condition are allowed to use the target service. Optionally, in the case where the target service is provided by a first application installed on the user terminal of the user, the access condition includes: the application level determined based on the user's usage record of the first application meets the application access level of the target service, or the credit level of the user maintained by the first application meets the credit access level of the target service.

[0018] Specifically, in the case where the access condition is that the application level determined according to the user's usage record of the first application meets the application access level of the target service, the user information may be the application level of the user. If the application level of the user meets the application access level of the target service, it indicates that the user meets the access condition of the target service; conversely, if the application level of the user does not meet the application access level of the target service, it indicates that the user does not meet the access condition of the target service. Similarly, when the access condition is that the credit level of the user maintained by the first application meets the credit access level of the target service, the user information may be the credit level of the user in the first application. If the user's credit level meets the credit access level of the target service, it indicates that the user meets the access condition of the target service; conversely, if the user's credit level does not meet the credit access level of the target service, it indicates that the user does not meet the access condition of the target service.

[0019] In this embodiment, if the user information of the user does not meet the access conditions of the target service, it means that the user cannot use the target service. In this case, in order to improve the user's service experience, the associated user's ability to use the target service is "shared" with the user through service guarantees between the user and associated users, thereby lowering the user's usage threshold when using the target service.

[0020] The service guarantee refers to a guarantee provided by one user to another user. The purpose of the guarantee is to enable the other user to use a certain service, so it is called a "service guarantee"; the guarantee relationship refers to a guarantee record or guarantee certificate established by one user to provide a service guarantee to another user, and the other user has an association with one user. The guarantee record or guarantee certificate records relevant data of the service guarantee provided by one user to the other user, such as the user ID of one user, the user ID of the other user, the guarantee service category of the guaranteed service, and / or the amount of the guaranteed subject matter.

[0021] Guarantee service category refers to the service category of specific services guaranteed by another user to one user. For example, the service categories of services guaranteed by user A's associated user B to user A include: credit services, preferential first-enjoy services and reservation services. Guarantee subject amount refers to the amount of the guarantee subject (guarantee object) guaranteed by another user to one user. The guarantee object can be resources, assets or items (digital items or virtual items). For example, the service category of service guaranteed by user A's associated user B to user A is loan service, and the guarantee subject amount of the loan guarantee provided by associated user B to user A is RMB 3,000.

[0022] In order to improve the security of users in the process of using services in a guaranteed manner, and to promote the improvement of service fulfillment rate, optionally, the guarantee service category recorded in the association relationship is determined according to the intimacy between the associated user and the user; and / or, the amount of the guarantee subject recorded in the association relationship is determined according to the intimacy between the associated user and the user. The intimacy between the associated user and the user can be determined by inputting the user information of the associated user and the user information of the user into the intimacy algorithm, or by inputting the user behavior information or feature data of the associated user and the user behavior information or feature data of the user into the intimacy algorithm.

[0023] It should be noted that after the guarantee relationship in which the associated user guarantees the service of the user is established, the service rights of all services for which the associated user meets the access conditions can be opened to the user based on the guarantee relationship, or the associated user can select some services among the services that meet the access conditions to be opened to the user; in addition, the associated user can also customize the services open to the user among the services that meet the access conditions.

[0024] In an optional implementation manner provided in this embodiment, the guarantee relationship is established in the following manner: sending a guarantee invitation message to a second associated user selected by the user from the associated user set according to the guarantee invitation instruction submitted by the second associated user; According to a confirmation instruction submitted by the second associated user in response to the guarantee invitation message, a guarantee relationship is established in which the second associated user provides a service guarantee to the user.

[0025] Specifically, in the process of establishing the guarantee relationship in which the second associated user provides the service guarantee to the user, in order to avoid invalid repeated guarantees, in an optional implementation manner provided in this embodiment, the guarantee relationship in which the second associated user provides the service guarantee to the user is established in the following manner: Reading the historical guarantee service category recorded in the historical guarantee relationship in which the second associated user provides service guarantee to the user, and determining the guarantee service category according to the intimacy between the second associated user and the user; The historical guarantee service category and the guarantee service category are de-duplicated and merged to serve as the guarantee service category for the second associated user to provide a service guarantee to the user.

[0026] In addition, in the process of establishing the guarantee relationship in which the second associated user provides the service guarantee to the user, in order to avoid invalid repeated guarantees, in another optional implementation manner provided by this embodiment, the guarantee relationship in which the second associated user provides the service guarantee to the user is established in the following manner: Reading the historical guarantee subject amount recorded in the historical guarantee relationship in which the second associated user provides service guarantee to the user, and determining the guarantee subject amount according to the intimacy between the second guarantee user and the user; If the historical guarantee target amount is less than the guarantee target amount, the guarantee target amount is used to update the historical guarantee target amount.

[0027] In this embodiment, the associated user of the user provides a service guarantee to the user, and on this basis, a guarantee relationship is established in which the associated user provides a service guarantee to the user. Under the premise that the guarantee relationship is established, the user can use the target service under the service guarantee of the associated user without meeting the access conditions of the target service. The associated user refers to a user who has a specific association relationship with the user, such as a relative user who has a kinship relationship with the user, or a social user who has a social relationship with the user. In addition, if the user information meets the access conditions of the target service, the service processing of the user can be performed under the target service.

[0028] During the specific execution process, if the user information does not meet the access conditions of the target service, the guarantee relationship established between the associated user who guarantees the service to the user and the user is queried. If the guarantee relationship is found, it indicates that there is an associated user who guarantees the service to the user, and the following step S106 is executed; if the guarantee relationship is not found, it indicates that there is no associated user who guarantees the service to the user. In this case, in order to ensure the user's success rate in using the service, in an optional implementation manner provided in this embodiment, it is queried in the user's associated user set whether there is a first associated user who meets the access conditions; the associated user set includes the associated user; if so, a guarantee invitation message for guaranteeing the target service is sent to the first associated user; according to the confirmation instruction submitted by the first associated user in response to the guarantee invitation message, a first guarantee relationship in which the first associated user guarantees the target service to the user is established, and based on the first guarantee relationship, the user's service processing is performed under the target service.

[0029] Step S106, detecting whether there is a target guarantee relationship that meets the guarantee condition of the target service among the queried guarantee relationships.

[0030] Based on the guarantee relationship established between the associated user who provides service guarantee to the user and the user in the above step, in this step, for the guarantee relationship inquired, it is detected whether there is a target guarantee relationship that meets the guarantee conditions of the target service in the guarantee relationship inquired; If so, it indicates that among the associated users corresponding to the queried guarantee relationship, there is an associated user who meets the guarantee conditions of the target service. Here, the guarantee relationship between the associated user who meets the guarantee conditions of the target service and the user is the target guarantee relationship. The user can use the target service on the basis of the associated user providing service guarantee to the user. Then, the following step S108 is executed to perform service processing for the user under the target service based on the target guarantee relationship. If not, it indicates that among the associated users corresponding to the queried guarantee relationship, there is no associated user that meets the guarantee conditions of the target service, that is, based on the currently queried guarantee relationship, the user cannot use the target service, and an access failure reminder for the target service is generated. In addition, in order to improve the success rate of users being able to use the target service, if the query result after executing the step of detecting whether there is a target guarantee relationship that meets the guarantee conditions of the target service in the queried guarantee relationship is no, in an optional implementation provided by this embodiment, the associated users of the user are invited to provide the user with a service guarantee for the target service by means of a guarantee invitation, and a first guarantee relationship is established in which the associated users guarantee the target service to the user, which is specifically implemented as follows: querying whether there is a first associated user meeting the access condition in the associated user set of the user; the associated user set includes the associated user; If yes, sending a guarantee invitation message to the first associated user for providing a service guarantee for the target service; According to the confirmation instruction submitted by the first associated user in response to the guarantee invitation message, a first guarantee relationship is established in which the first associated user guarantees the target service to the user, and service processing of the user is performed under the target service based on the first guarantee relationship.

[0031] The guarantee conditions of the target service described in this embodiment refer to the limiting conditions of the target service on the associated users of the guarantor during the process of using the target service through service guarantee. Optionally, the guarantee conditions of the target service include at least one of the following: there is at least one associated user among the associated users whose user information meets the access conditions, the guarantee service category of the associated user for the service guarantee provided to the user includes the service category of the target service, and the guarantee amount of the associated user under the target service is greater than or equal to the application amount submitted by the user for the target service.

[0032] For example, when user A uses a credit service, his credit rating is lower than the credit entry rating of the credit service. After the guarantee relationship between the associated user who provides service guarantee to user A and user A is found, the guarantee relationship found specifically includes: guarantee relationship 1 established by associated user B providing service guarantee to user A, and guarantee relationship 2 established by associated user C providing service guarantee to user A; The guarantee condition of the current credit service is that there is at least one associated user among the associated users whose credit rating is not lower than the credit access rating of the credit service, and the guarantee service category for the associated user to provide service guarantee to user A includes the credit service category (the service category of the credit service); Then check whether the credit ratings of associated user B and associated user C are not lower than the credit entry rating of the credit service. If the credit rating of associated user B is higher than the credit entry rating of the credit service, further check whether the service category guaranteed by associated user B to user A includes the credit service category; If included, it indicates that guarantee relationship 1 in which associated user B provides service guarantee to user A meets the guarantee conditions of the credit service. It also indicates that the target guarantee relationship (guarantee relationship 1) that meets the guarantee conditions of the credit service exists in the queried guarantee relationship.

[0033] Step S108: performing service processing for the user under the target service based on the target guarantee relationship.

[0034] After the above steps detect the target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships, the user's service processing is performed under the target service based on the detected target guarantee relationship, so that the service capabilities of the target-associated user corresponding to the target guarantee relationship in the target service are provided to the user, so that the user can use the target service and perform service processing during use.

[0035] After the service processing is completed, a service order for the user under the target service is generated. The service order refers to a service order with guarantee attributes formed under the target service with the target-associated user corresponding to the target guarantee relationship as the guarantor and the user as the guaranteed party. The service order records the user IDs of the user and the target-associated user, and may also record a guarantee ID used to represent the guarantee attribute.

[0036] In an optional implementation provided by this embodiment, the service processing of the user under the target service based on the target guarantee relationship includes: opening the service rights of the target service to the user based on the target guarantee relationship; and performing the service processing of the user under the target service based on the service rights. In addition, in the process of establishing a target guarantee relationship in which the target-associated user provides service guarantees to the user, the service rights of all service categories recorded in the target guarantee relationship can be opened to the user based on the established target guarantee relationship. Here, in the case where the service categories recorded in the target guarantee relationship include the service categories of the target service, the service processing of the user under the target service can be performed based on the service rights of the target service.

[0037] In specific implementation, after completing the service processing of the user under the target service based on the target guarantee relationship, a service order for the user under the target service is generated, and based on the service order, the user's use of the target service is further detected. Specifically, by detecting the service order, the service use behavior of "sharing" service capabilities under the service guarantee system is constrained, thereby stimulating the enthusiasm for service sharing between users and related users or between related users, and improving the trust between users and related users or between related users.

[0038] In an optional implementation provided by this embodiment, if the fulfillment record of the service order is detected, the user is subject to credit upgrade, service authorization, or increase in the upper limit of the application amount, and / or the target associated user corresponding to the target guarantee relationship is subject to credit upgrade, service authorization, or increase in the amount of the guarantee. The service authorization refers to increasing the service that is open to the user; the upper limit of the application amount refers to the maximum amount of the subject matter that the user is allowed to apply for.

[0039] In another optional implementation provided by this embodiment, if a default record of the service order is detected, the default liability ratio of the user and the target-associated user under the target service is calculated based on the intimacy between the target-associated user corresponding to the target guarantee relationship and the user; and the default of the user and the target-associated user is handled based on the default liability ratio. The intimacy between the target-associated user and the user can be determined by inputting the user information of the target-associated user and the user information of the user into the intimacy algorithm, or by inputting the user behavior information or feature data of the target-associated user and the user behavior information or feature data of the user into the intimacy algorithm.

[0040] Optionally, the breach of contract liability ratio includes a credit penalty ratio, a service restriction ratio, and / or a resource liability ratio; wherein the credit penalty ratio refers to the ratio of each party when a credit penalty is imposed on the target associated user of the guarantor and the user of the guaranteed party, and the specific means of credit penalty may be credit downgrade. The service restriction ratio refers to the ratio of each party when a service restriction is imposed on the target associated user of the guarantor and the user of the guaranteed party, and the specific means of service restriction may be cancellation of the right to use the service. The resource liability ratio refers to the ratio of resources that the target associated user of the guarantor and the user of the guaranteed party need to bear when a breach of contract occurs. For example, when a credit loan order placed by a user under a credit loan service is detected to be in breach, the user and the target associated user who provides the credit loan service guarantee to the user need to bear or "compensate" the corresponding funds respectively.

[0041] On this basis, the default handling of the user and the target associated user is performed according to the default liability ratio, including: The user and the target user are downgraded in credit based on the credit penalty ratio, the user and the target-associated user are restricted in service based on the service restriction ratio, the upper limit of the application amount of the user is reduced based on the resource commitment ratio, the guarantee amount of the target-associated user is reduced, and / or funds are deducted from the user and the target-associated user based on the resource commitment ratio.

[0042] In actual applications, the intimacy between a user and an associated user may vary depending on the relationship. Based on this, when an associated user, as a service guarantor, provides service guarantees for users with different intimacy, the proportion of liability for breach of contract that the user is willing to bear may also be different. This embodiment performs differentiated guarantee service processing based on intimacy to improve the security of the service use process based on service guarantees. Optionally, the guarantee proportion of the target associated user in the breach of contract proportion is positively correlated with the intimacy between the target associated user and the user; or, the user proportion of the user in the breach of contract proportion is negatively correlated with the intimacy between the target associated user and the user. For example, in the event of a breach of contract, the guarantee proportion of relative users whose association is a kinship relationship in the breach of contract proportion is greater than the guarantee proportion of social users whose association is a social relationship.

[0043] In addition, the breach of contract liability ratio may also be composed of the guarantee ratio of the main breach of contract liability and the guarantee ratio of the secondary breach of contract liability, wherein the main breach of contract liability and the secondary breach of contract liability are determined according to the intimacy between the user and the associated user. If the intimacy between the user and the associated user is greater than or equal to a preset threshold or the association relationship between the user and the associated user is a kinship relationship, the associated user is determined as the main breach of contract liability, and the user is determined as the secondary breach of contract liability, that is, the guarantee ratio of the main breach of contract liability is determined as the guarantee ratio of the associated user, and the guarantee ratio of the secondary breach of contract liability is determined as the guarantee ratio of the user; if the intimacy between the user and the associated user is less than the preset threshold or the association relationship between the user and the associated user is a social relationship, the associated user is determined as the secondary breach of contract liability, and the user is determined as the main breach of contract liability, that is, the guarantee ratio of the secondary breach of contract liability is determined as the guarantee ratio of the associated user, and the guarantee ratio of the main breach of contract liability is determined as the guarantee ratio of the user.

[0044] It should be noted that this embodiment takes the user as the guaranteed party and the target associated user corresponding to the target association relationship as the guarantor as an example, and on the basis of the target associated user providing service guarantee to the user, the service processing procedure for the user in the target service is described. Similarly, the associated user may be taken as the guaranteed party and the user as the guarantor, and the service processing for the associated user in the target service may be performed on the basis of the service guarantee provided by the user to the associated user. The specific process may refer to the service processing procedure for the user in the target service provided above, and this embodiment will not repeat them one by one. In addition, the user may be replaced with the first associated user among the associated users, and the target associated user may be replaced with the second associated user among the associated users, and the service processing for the first associated user in the target service may be performed on the basis of the service guarantee provided by the second associated user to the first associated user. The specific process may also refer to the service processing procedure for the user in the target service provided above.

[0045] On the basis that the target service is provided by the first application installed on the user terminal of the user, in order to further enhance the flexibility of "sharing" service capabilities between the user and the associated users, thereby realizing cross-application service guarantee, this embodiment provides an optional implementation, in which the second application can also use the following method to perform service guarantee processing from the user to the associated user: In the case where the user provides a service guarantee to the associated user and establishes a guarantee relationship, opening the service rights of the second service that the user meets the access conditions to the associated user; The second service is provided by the first application, or the second service is provided by a second application installed on a user terminal of the associated user.

[0046] The following takes the application of a guarantee-based service processing method provided in this embodiment in a credit service scenario as an example. Figures 2 to 4 , for further explanation of the service processing method based on guarantee provided in this embodiment, see Figure 2 , a guarantee-based service processing method applied to a credit service scenario specifically includes the following steps.

[0047] Step S202: obtaining the credit rating of the user accessing the credit service.

[0048] For example, the credit service is a credit loan service.

[0049] Step S204: if the credit rating does not meet the credit access conditions of the credit service, then query the guarantee relationship established between the associated user who provides service guarantee to the user and the user.

[0050] In the process of querying the guarantee relationship established between the associated user who provides service guarantee to the user and the user, if the guarantee relationship is not found, then query in the user's associated user set whether there is a first associated user who meets the credit access conditions of the credit service; if so, send a guarantee invitation message for providing service guarantee for the credit service to the first associated user; according to the confirmation instruction submitted by the first associated user in response to the guarantee invitation message, establish a first guarantee relationship in which the first associated user guarantees the credit service to the user, and perform service processing for the user under the credit service based on the first guarantee relationship.

[0051] Among them, the credit access condition is that the user's credit level is greater than or equal to the credit access level of the credit service.

[0052] Step S206: if a guarantee relationship is found, then it is detected whether there is a target guarantee relationship that meets the guarantee conditions of the credit service among the found guarantee relationships; If yes, then execute step S208 to perform service processing for the user under the credit service based on the target guarantee relationship; If not, a credit service access failure reminder is generated.

[0053] Among them, the guarantee conditions for the credit service are: there is at least one associated user among the associated users whose credit rating meets the credit access conditions of the credit service, the guarantee service category for the service guarantee provided by the associated user who meets the credit access conditions to the user includes the credit service category (the service category of the credit service), and the amount of guaranteed funds under the credit service of the associated user who meets the credit access conditions is greater than or equal to the amount of application funds submitted by the user for the credit service.

[0054] For example, if a user applies for a loan of RMB 3,000 in a credit loan service, the amount of guarantee funds of the associated user who provides service guarantee to the user must be greater than RMB 3,000. The specific amount of guarantee funds of the associated user can be determined based on the credit rating assessment of the associated user.

[0055] Step S208: Perform service processing for the user under the credit service based on the target guarantee relationship.

[0056] for example, Figure 3 and Figure 4 In the credit loan service shown, the user applies for a loan of 20,000 yuan. Since the user's current credit score is only 99 points, which does not meet the minimum requirement of 100 points for the credit loan service, the user cannot apply for a loan in the credit loan service alone. After inquiry, there are 5 associated users who provide service guarantees for the user. Guarantee relationships with the user are established for these 5 associated users. Among these 5 associated users, only the guarantee relationship between the second associated user (relative user) and the user meets the guarantee conditions of the credit loan service, so the relative user is determined as the target associated user; Furthermore, after the user is given access to the credit loan service based on the target association relationship and a loan is granted to the user, a credit loan order for the user in the credit loan service is generated, which records the user's loan amount of RMB 20,000, as well as information such as the amount and date of the user's repayment of the principal and interest.

[0057] Step S210: If the fulfillment record of the credit service order is detected, credit upgrade processing is performed on the target associated user corresponding to the user and target guarantee relationship.

[0058] Furthermore, if the credit rating of the user meets the conditions for increasing the upper limit of the application amount after the credit upgrade process, the upper limit of the application amount of the user will be increased.

[0059] for example, Figure 3 In the credit loan service shown, after the user successfully fulfills the contract and repays the principal and interest on the date, the user's credit score increases by 2 points, and the credit score of the relative user increases by 1 point; the user's credit score increases from 99 points to 101 points. After increasing to 101 points, the credit loan conditions of 1,000 yuan of the credit loan service are met, and a credit loan limit of 1,000 yuan is opened to the user.

[0060] Step S212: If a default record of the credit service order is detected, the default liability ratio of the user and the target associated user under the credit service is calculated according to the intimacy between the target associated user and the user corresponding to the target guarantee relationship.

[0061] Step S214, handling the default of the user and the target associated user according to the default liability ratio.

[0062] In addition, when a default record of a credit service order is detected, the target associated user can also be handled for default based on the target guarantee relationship, for example, Figure 4 In the credit loan service shown, if the user fails to repay the principal and interest as agreed, a default message of the user will be sent to the relative user based on the guarantee relationship of the relative user guaranteeing the credit loan service to the user. The relative user will repay the remaining principal and interest, and the user's credit score will be downgraded.

[0063] This specification also provides another embodiment of a service processing method based on guarantee as follows: Step S502: obtaining user information of a user accessing the target service.

[0064] Step S504: if the user information does not meet the access conditions of the target service, query the guarantee relationship established between the associated user who provides service guarantee to the user and the user; Step S506: If no guarantee relationship is found, query whether there is a first associated user meeting the access condition in the associated user set of the user; the associated user set includes the associated user; If yes, execute step S508; If not, a reminder of access failure to the target service is generated.

[0065] Step S508: Sending a guarantee invitation message to the first associated user for providing a service guarantee for the target service.

[0066] Step S510: establishing a first guarantee relationship in which the first associated user guarantees the target service to the user according to a confirmation instruction submitted by the first associated user in response to the guarantee invitation message, and performing service processing for the user under the target service based on the first guarantee relationship.

[0067] For the specific description of the implementation process provided by step S502 to step S510, refer to the description of the relevant contents in the above-mentioned step S102 to step S108, and this embodiment will not be repeated here one by one.

[0068] An embodiment of a service processing device based on guarantee provided in this specification is as follows: In the above-mentioned embodiment, a guarantee-based service processing method is provided, and correspondingly, a guarantee-based service processing device is also provided, which is described below with reference to the accompanying drawings.

[0069] Reference Figure 6 , which shows a schematic diagram of a guarantee-based service processing device provided in this embodiment.

[0070] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0071] This embodiment provides a guarantee-based service processing device, including: A user information acquisition module 602 is configured to acquire user information of a user accessing a target service; The guarantee relationship query module 604 is configured to query the guarantee relationship established between the associated user who provides service guarantee to the user and the user if the user information does not meet the access conditions of the target service; A detection module 606 is configured to detect whether there is a target guarantee relationship that meets the guarantee condition of the target service among the queried guarantee relationships; If yes, run the service processing module 608; The service processing module 608 is configured to perform service processing for the user under the target service based on the target guarantee relationship.

[0072] An embodiment of a service processing device based on guarantee provided in this specification is as follows: Corresponding to the above-described guarantee-based service processing method, based on the same technical concept, one or more embodiments of this specification further provide a guarantee-based service processing device, the guarantee-based service processing device is used to execute the above-provided guarantee-based service processing method. Figure 7 A schematic diagram of the structure of a guarantee-based service processing device provided for one or more embodiments of this specification.

[0073] This embodiment provides a guarantee-based service processing device, including: like Figure 7As shown, the service processing device based on guarantee may have relatively large differences due to different configurations or performances, and may include one or more processors 701 and memory 702, and the memory 702 may store one or more storage applications or data. Among them, the memory 702 may be a short-term storage or a persistent storage. The application stored in the memory 702 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the service processing device based on guarantee. Furthermore, the processor 701 may be configured to communicate with the memory 702 to execute a series of computer executable instructions in the memory 702 on the service processing device based on guarantee. The service processing device based on guarantee may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input / output interfaces 705, one or more keyboards 706, etc.

[0074] In a specific embodiment, a guarantee-based service processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the guarantee-based service processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following: Get user information of users accessing the target service; If the user information does not meet the access conditions of the target service, query the guarantee relationship established between the associated user who provides service guarantee to the user and the user; Detecting whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; If so, service processing for the user is performed under the target service based on the target guarantee relationship.

[0075] An embodiment of a storage medium provided in this specification is as follows: Corresponding to the guarantee-based service processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0076] The storage medium provided in this embodiment is used to store computer executable instructions, and the computer executable instructions implement the following process when executed by a processor: Get user information of users accessing the target service; If the user information does not meet the access conditions of the target service, query the guarantee relationship established between the associated user who provides service guarantee to the user and the user; Detecting whether there is a target guarantee relationship that meets the guarantee conditions of the target service among the queried guarantee relationships; If so, service processing for the user is performed under the target service based on the target guarantee relationship.

[0077] It should be noted that the embodiment of the storage medium in this specification and the embodiment of the guarantee-based service processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0078] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0079] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0080] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0081] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0082] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0083] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0084] This specification 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 this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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 processes in the flowchart and / or block diagram. 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.

[0085] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate 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 A function specified in one or more boxes.

[0086] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0087] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0088] Memory may include non-permanent storage 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. Memory is an example of a computer-readable medium.

[0089] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. 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 disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, 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 in this article, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0090] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0091] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0092] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0093] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A service processing method based on guarantee, comprising: Get user information of users accessing the target service; If the user information does not meet the access conditions and no guarantee relationship is found, sending a guarantee invitation message to the first associated user who meets the access conditions in the associated user group of the user; establishing a first guarantee relationship between the first associated user and the user according to a confirmation instruction submitted by the first associated user, performing target service processing based on the first guarantee relationship and generating a service order for the user after the service processing is completed; If a breach record of the service order is detected, the breach liability ratio between the user and the first associated user is calculated according to the intimacy between the first associated user and the user, and the breach is handled according to the breach liability ratio.

2. According to the guarantee-based service processing method of claim 1, the guarantee condition of the target service includes at least one of the following: Among the associated users who provide service guarantee to the user, there is at least one associated user whose user information meets the access conditions, the guarantee service category of the associated users who provide service guarantee to the user includes the service category of the target service, and the guarantee amount of the associated users who provide service guarantee to the user under the target service is greater than or equal to the application amount submitted by the user for the target service.

3. According to the guarantee-based service processing method of claim 2, the guarantee service category is determined based on the intimacy between the first associated user and the user; and / or the guarantee subject amount is determined based on the intimacy between the first associated user and the user.

4. The guarantee-based service processing method according to claim 1, wherein the target service processing based on the first guarantee relationship comprises: Opening the service rights of the target service to the user based on the first guarantee relationship; Perform service processing for the user under the target service based on the service authority.

5. According to the guarantee-based service processing method of claim 1, the breach of contract proportion includes a credit penalty proportion, a service restriction proportion, and / or a resource proportion; Accordingly, the default handling according to the default liability ratio includes: The user and the first associated user are downgraded in credit based on the credit penalty ratio, the user and the first associated user are restricted in service based on the service restriction ratio, the upper limit of the application amount of the user is reduced based on the resource commitment ratio, the guarantee amount of the first associated user is reduced, and / or funds are deducted from the user and the first associated user based on the resource commitment ratio.

6. The service processing method based on guarantee according to claim 1, wherein the proportion of the guarantee of the first associated user in the breach of contract liability ratio is positively correlated with the intimacy between the first associated user and the user; or, The user proportion of the user in the breach of contract liability ratio is negatively correlated with the intimacy between the first associated user and the user.

7. The guarantee-based service processing method according to claim 4, further comprising: If the fulfillment record of the service order is detected, the user's credit is upgraded, the service is delegated, or the upper limit of the application amount is increased, and / or the first associated user corresponding to the first guarantee relationship is upgraded, the service is delegated, or the upper limit of the guarantee amount is increased.

8. The guarantee-based service processing method according to claim 1, wherein the target service is provided by a first application installed on a user terminal of the user; The entry conditions include: The application level determined according to the usage record of the user in the first application meets the application access level of the target service, or the credit level of the user maintained by the first application meets the credit access level of the target service.

9. The guarantee-based service processing method according to claim 8, further comprising: In the case where the user provides a service guarantee to the first associated user and establishes a guarantee relationship, opening the service rights of the second service that the user meets the access conditions to the first associated user; The second service is provided by the first application, or the second service is provided by a second application installed on a user terminal of the first associated user.

10. According to the guarantee-based service processing method of claim 1, the guarantee relationship is established in the following manner: sending a guarantee invitation message to a second associated user selected by the user from the associated user set according to the guarantee invitation instruction submitted by the second associated user; According to a confirmation instruction submitted by the second associated user in response to the guarantee invitation message, a guarantee relationship is established in which the second associated user provides a service guarantee to the user.

11. The guarantee-based service processing method according to claim 10, wherein the step of establishing a guarantee relationship in which the second associated user provides a service guarantee to the user comprises: Reading the historical guarantee service category recorded in the historical guarantee relationship in which the second associated user provides service guarantee to the user, and determining the guarantee service category according to the intimacy between the second associated user and the user; The historical guarantee service category and the guarantee service category are de-duplicated and merged to serve as the guarantee service category for the second associated user to provide a service guarantee to the user.

12. The guarantee-based service processing method according to claim 10, wherein the step of establishing a guarantee relationship in which the second associated user provides a service guarantee to the user comprises: Reading the historical guarantee subject amount recorded in the historical guarantee relationship in which the second associated user provides service guarantee to the user, and determining the guarantee subject amount according to the intimacy between the second associated user and the user; If the historical guarantee target amount is less than the guarantee target amount, the guarantee target amount is used to update the historical guarantee target amount.

13. A service processing device based on guarantee, comprising: A user information acquisition module configured to acquire user information of a user accessing a target service; A guarantee relationship query module, configured to send a guarantee invitation message to a first associated user in a set of associated users of the user that meets the access conditions if the user information does not meet the access conditions and no guarantee relationship is found; The service processing module is configured to establish a first guarantee relationship between the first associated user and the user according to the confirmation instruction submitted by the first associated user, perform target service processing based on the first guarantee relationship and generate a service order for the user after the service processing is completed; if a default record of the service order is detected, calculate the default liability ratio between the user and the first associated user according to the intimacy between the first associated user and the user, and perform default processing according to the default liability ratio.

14. A guarantee-based service processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Get user information of users accessing the target service; If the user information does not meet the access conditions and no guarantee relationship is found, sending a guarantee invitation message to the first associated user who meets the access conditions in the associated user group of the user; establishing a first guarantee relationship between the first associated user and the user according to a confirmation instruction submitted by the first associated user, performing target service processing based on the first guarantee relationship and generating a service order for the user after the service processing is completed; If a breach record of the service order is detected, the breach liability ratio between the user and the first associated user is calculated according to the intimacy between the first associated user and the user, and the breach is handled according to the breach liability ratio.

15. A storage medium for storing computer executable instructions, wherein the computer executable instructions, when executed by a processor, implement the following process: Get user information of users accessing the target service; If the user information does not meet the access conditions and no guarantee relationship is found, sending a guarantee invitation message to the first associated user who meets the access conditions in the associated user group of the user; establishing a first guarantee relationship between the first associated user and the user according to a confirmation instruction submitted by the first associated user, performing target service processing based on the first guarantee relationship and generating a service order for the user after the service processing is completed; If a breach record of the service order is detected, the breach liability ratio between the user and the first associated user is calculated according to the intimacy between the first associated user and the user, and the breach is handled according to the breach liability ratio.

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