Business service processing method and device

Abstract

The invention provides a business service processing method and device, and relates to the technical field of data processing and computers, and the method comprises the steps: calling a balance information query interface of a digital wallet, and determining a frozen amount and a non-frozen amount in the digital wallet; determining a target business service requested by the business service request, and determining an open state of a password-free payment function of the target business service; when a password-free payment function responding to the target business service is started and the frozen amount is smaller than a preset amount threshold value, obtaining a difference amount between the amount threshold value and the frozen amount; in response to the fact that the non-freezing amount is larger than or equal to the difference amount, calling a payment freezing interface of the digital wallet, and freezing the difference amount from the non-freezing amount to the freezing amount; and providing the target business service for the target object, and paying the target business service in a preset time window. The method and the device can better adapt to business requirements, improve the flexibility of processing the business service, and timely consume the order generated by providing the business service.

Description

Technical Field

[0001] The present disclosure relates to the fields of data processing technology and computer technology, and in particular to a business service processing method and device thereof. Background Art

[0002] In the related art, when a client uses a digital wallet for business services, it is necessary to freeze part of the wallet balance as a deposit for providing the business services. However, after providing the business services, the client may not be able to pay for the business services in time due to insufficient wallet balance or frozen amount, resulting in arrears, causing financial losses to the service provider and possibly affecting the client's use of the business services next time.

[0003] Therefore, how to better adapt to business needs, improve the flexibility of processing business services, consume orders generated by providing business services in a timely manner, and improve the stability of using business services has become one of the important research directions. Summary of the invention

[0004] The present disclosure aims to solve one of the technical problems in the related art at least to a certain extent. In a first aspect, the present disclosure proposes a method for processing a business service, comprising:

[0005] In response to monitoring the business service request of the target object, calling the balance information query interface of the digital wallet to determine the frozen amount and the unfrozen amount in the digital wallet;

[0006] Determine the target business service requested by the business service request, and determine the activation status of the password-free payment function of the target business service;

[0007] In response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, obtaining the difference between the amount threshold and the frozen amount;

[0008] In response to the non-frozen amount being greater than or equal to the difference amount, calling the payment freezing interface of the digital wallet to freeze the difference amount from the non-frozen amount to the frozen amount;

[0009] Provide the target business service to the target object, and pay for the target business service using any of the frozen amount, unfrozen amount, and third-party payment interface within the preset time window.

[0010] In the disclosed embodiment, in response to the password-free payment function of the target business service being turned on and the frozen amount being less than the preset amount threshold, the difference between the amount threshold and the frozen amount is obtained, and in response to the non-frozen amount being greater than or equal to the difference amount, the payment freezing interface of the digital wallet is called to freeze the difference amount from the non-frozen amount to the frozen amount, and provide the target business service to the target object. In the disclosed embodiment, whether to provide the target business service is determined based on three factors: the activation status of the password-free payment function of the target business service, the frozen amount and the non-frozen amount. When the password-free payment function is turned on, priority is given to ensuring that the frozen amount is not less than the amount threshold, which can better adapt to business needs and improve the flexibility of processing business services. By using any one of the frozen amount, non-frozen amount, and third-party payment interface within the preset time window to pay for the target business service, orders generated by providing business services can be consumed in a timely manner, thereby improving the stability of using business services.

[0011] A second aspect of the present disclosure provides a business service processing device, including:

[0012] A first determination module is used to call the balance information query interface of the digital wallet in response to monitoring the business service request of the target object, and determine the frozen amount and the unfrozen amount in the digital wallet;

[0013] A second determination module is used to determine the target business service requested by the business service request, and determine the activation status of the password-free payment function of the target business service;

[0014] The first processing module is used for, in response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, obtaining the difference between the amount threshold and the frozen amount, and in response to the non-frozen amount being greater than or equal to the difference, calling the payment freezing interface of the digital wallet to freeze the difference from the non-frozen amount to the frozen amount;

[0015] The second processing module is used to provide the target business service to the target object and pay for the target business service using any one of the frozen amount, the unfrozen amount, and the third-party payment interface within a preset time window.

[0016] A third aspect of the present disclosure provides an electronic device, including:

[0017] at least one processor; and

[0018] a memory communicatively connected to at least one processor; wherein,

[0019] The memory stores instructions that can be executed by at least one processor, and the instructions are executed by at least one processor so that the at least one processor can execute the business service processing method provided in the embodiment of the first aspect of the present disclosure.

[0020] A fourth aspect of the present disclosure proposes a computer-readable storage medium on which computer instructions are stored, wherein the computer instructions are used to enable a computer to execute a method for processing a business service provided in an embodiment of the first aspect of the present disclosure.

[0021] A fifth aspect of the present disclosure provides a computer program product, including a computer program, which, when executed by a processor, implements the method for processing the business service provided in the embodiment of the first aspect of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 is a flowchart of a method for processing a business service according to the first embodiment of the present disclosure;

[0023] Figure 2 is a flowchart of a method for processing a business service according to a second embodiment of the present disclosure;

[0024] Figure 3 is a flowchart of a method for processing a business service according to a third embodiment of the present disclosure;

[0025] Figure 4 is a flowchart of a method for processing a business service according to a fourth embodiment of the present disclosure;

[0026] Figure 5 is a flowchart of a method for processing a business service according to a fifth embodiment of the present disclosure;

[0027] Figure 6 is a structural block diagram of a processing device for a business service according to a sixth embodiment of the present disclosure;

[0028] Figure 7 4 is a schematic diagram of the structure of an electronic device according to the seventh embodiment of the present disclosure. DETAILED DESCRIPTION

[0029] Embodiments of the present disclosure are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present disclosure, and should not be construed as limiting the present disclosure.

[0030] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0031] The following describes a method and device for processing business services in accordance with an embodiment of the present disclosure in conjunction with the accompanying drawings.

[0032] Figure 1 is a flowchart of a method for processing a business service according to the first embodiment of the present disclosure. Figure 1 As shown, the method comprises the following steps:

[0033] In step S101, in response to monitoring the business service request of the target object, the balance information query interface of the digital wallet is called to determine the frozen amount and the unfrozen amount in the digital wallet.

[0034] In the embodiments of the present disclosure, it may be executed by a preset application or system, for example, it may be executed by a preset financial payment system.

[0035] In some implementations, the business service request may carry a business service identifier, and the business service identifier is used to determine the target business service requested by the business service request.

[0036] In some implementations, if the preset control is triggered, it is determined that the business service request of the target object is monitored, and the balance information query interface of the digital wallet is called to determine the frozen amount and the unfrozen amount in the digital wallet. The unfrozen amount is the available amount that has not been frozen.

[0037] In step S102, the target business service requested by the business service request is determined, and the activation state of the password-free payment function of the target business service is determined.

[0038] In some embodiments, a business service request carries a business service identifier, an association relationship between the business service identifier and a candidate business service is obtained, and then the business service identifier carried by the business service request is retrieved based on the association relationship, the candidate business service associated with the business service identifier is determined as the target business service, and the activation status of the password-free payment function of the target business service is determined.

[0039] In some implementations, the contract information of the target business service may be obtained and parsed to determine the activation status of the password-free payment function. Optionally, when the password-free payment function of the target business service is not activated, an instruction information for guiding the activation of the password-free payment function may be generated for prompting.

[0040] Optionally, the target object may be a user account. In some embodiments, the target object has activated the target business service. In some embodiments, after determining the target business service requested by the business service request, if it is detected that the target object has not activated the target business service, an instruction message for guiding the activation of the target business service may be generated for prompting, and subsequent steps may be performed after the target object activates the target business service. In some embodiments, the target object is a newly opened account user, and the password-free payment activation may be checked during the digital wallet account opening process, and the activation may be performed directly. For example, after the target object activates the wallet agreement on the wallet account opening page, the password-free payment agreement is also activated, and the server activates the password-free payment simultaneously. If the target object is an existing user and the password-free payment function is newly activated, the client directly enters the security management menu to activate the password-free payment page to sign the agreement and activate the password-free function.

[0041] In step S103, in response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, the difference between the amount threshold and the frozen amount is obtained.

[0042] In order to avoid the situation where the business service cannot be paid in time due to insufficient frozen amount after the business service is provided, it is necessary to ensure that the frozen amount is not less than the preset amount threshold. In some embodiments, in response to the password-free payment function of the target business service being turned on and the frozen amount being greater than or equal to the amount threshold, it is determined that the target business service is provided to the target object. In some embodiments, in response to the password-free payment function of the target business service not being turned on and the frozen amount being greater than or equal to the amount threshold, it is determined that the target business service is provided to the target object.

[0043] In some implementations, the frozen amount is less than a preset amount threshold. To avoid affecting the use of business services, when the password-free payment function of the target business service is enabled, it is necessary to further determine the relationship between the non-frozen amount and the difference amount.

[0044] In step S104, in response to the non-frozen amount being greater than or equal to the difference amount, the payment freezing interface of the digital wallet is called to freeze the difference amount from the non-frozen amount to the frozen amount.

[0045] When the non-frozen amount is greater than or equal to the difference amount, it means that the sum of the non-frozen amount and the frozen amount can be greater than the preset amount threshold, that is, part or all of the non-frozen amount can be frozen into the frozen amount, thereby meeting the conditions for providing business services.

[0046] In the disclosed embodiment, in order to ensure that the frozen amount is not less than the amount threshold, the payment freezing interface of the digital wallet may be called to freeze the difference amount from the non-frozen amount into the frozen amount.

[0047] In step S105, the target business service is provided to the target object, and payment is made for the target business service using any one of a frozen amount, an unfrozen amount, and a third-party payment interface within a preset time window.

[0048] Taking the ride scenario as an example, the target business service is the ride service, and providing the target business service to the target object is to generate a ride code.

[0049] In some implementations, after providing the target business service to the target object, a fee order corresponding to the target business service is generated, and payment for the target business service needs to be made based on the fee order, wherein the initial state of the fee order is an unpaid state.

[0050] In some implementations, the preset time window is divided into a first time window and a second time window based on a preset time threshold or a preset time period.

[0051] In some embodiments, payment can be made to the target business service in the first time window based on a preset payment order. For example, when the password-free payment function of the target business service is turned on, the expense order is first paid based on the priority of the non-frozen amount and the third-party payment interface. If the priority of the non-frozen amount is higher than that of the third-party payment interface, the non-frozen amount is first called to pay the expense order. If the non-frozen amount is less than the amount required to pay the expense order, the third-party payment interface is called to pay the expense order. After a successful payment, the status of the expense order is updated to a paid status.

[0052] In some implementations, the non-frozen amount and the amount in the third-party payment interface are not sufficient to pay the expense order. The frozen amount is called in the second time window to pay the target business service. After the payment is successful, the status of the expense order is updated to the paid status.

[0053] Once the fee order is successfully paid, it is deemed that the payment for the target business service is completed.

[0054] In the disclosed embodiment, in response to the password-free payment function of the target business service being turned on and the frozen amount being less than a preset amount threshold, the difference between the amount threshold and the frozen amount is obtained, and in response to the non-frozen amount being greater than or equal to the difference amount, the payment freezing interface of the digital wallet is called to freeze the difference amount from the non-frozen amount to the frozen amount, and provide the target business service to the target object. In the disclosed embodiment, whether to provide the target business service is determined based on three factors: the activation status of the password-free payment function of the target business service, the frozen amount and the non-frozen amount. When the password-free payment function is turned on, priority is given to ensuring that the frozen amount is not less than the amount threshold, which can better adapt to business needs and improve the flexibility of processing business services. Any one of the frozen amount, non-frozen amount and third-party payment interface can be used to pay for the target business service within the preset time window, so that orders generated by providing business services can be consumed in a timely manner, thereby improving the stability of using business services.

[0055] Figure 2 is a flowchart of a method for processing a business service according to a second embodiment of the present disclosure. Figure 1 As shown, the method comprises the following steps:

[0056] In step S201, in response to monitoring the business service request of the target object, the balance information query interface of the digital wallet is called to determine the frozen amount and the unfrozen amount in the digital wallet.

[0057] In step S202, the target business service requested by the business service request is determined, and the activation state of the password-free payment function of the target business service is determined.

[0058] For the introduction of step S201 to step S202, reference may be made to the relevant contents in the above embodiment, which will not be repeated here.

[0059] In step S203, in response to the password-free payment function of the target business service being enabled, the frozen amount being less than the amount threshold, and the unfrozen amount being less than the difference amount, it is determined that the target business service is not provided to the target object.

[0060] In some embodiments, in response to the opening of the password-free payment function of the target business service and the frozen amount being less than the amount threshold, it is necessary to continue to determine the size relationship between the non-frozen amount and the difference amount. When the non-frozen amount is greater than or equal to the difference amount, it means that the sum of the non-frozen amount and the frozen amount can be greater than the preset amount threshold, that is, part or all of the non-frozen amount can be frozen into the frozen amount, thereby satisfying the conditions for providing business services. However, when the non-frozen amount is less than the difference amount, it means that the sum of the non-frozen amount and the frozen amount is also less than the preset amount threshold, that is, even if all of the non-frozen amount is frozen into the frozen amount, the conditions for providing business services cannot be satisfied, and thus, it is determined that the target business service is not provided to the target object.

[0061] In step S204, in response to the password-free payment function of the target business service being not enabled and the frozen amount being less than the amount threshold, it is determined that the target business service is not provided to the target object.

[0062] In some implementations, the password-free payment function of the target business service is not enabled, and the frozen amount is less than the amount threshold, and the conditions for providing the business service cannot be met. Therefore, it is determined that the target business service will not be provided to the target object.

[0063] In step S205, in response to receiving the recharge instruction for the frozen amount, the payment information of the target object is obtained, and the payment information at least includes channel information and contract information.

[0064] In some implementations, if the frozen amount cannot meet the conditions for providing business services, the frozen amount can be recharged to make the frozen amount greater than the amount threshold, thereby meeting the conditions for providing business services.

[0065] In the disclosed embodiment, the payment information includes special transmission fields required for calling the payment freeze interface and performing transaction verification. The special transmission fields are channel information, contract information, etc., which need to be uploaded by the client.

[0066] In step S206, the payment freeze interface is called to send the payment information to the candidate financial payment system.

[0067] The payment information is sent to the candidate financial payment system, i.e. the server, through the payment freeze interface.

[0068] In step S207, verification information sent by the candidate financial payment system is received, and in response to the verification information indicating that the payment information verification is passed, the difference amount is frozen to the frozen amount based on the non-frozen amount or the third-party payment interface.

[0069] After the candidate financial payment system (server) receives the payment information, it calls the third-party application freezing interface through the wallet freezing interface to verify the payment information. The server does not store the information.

[0070] In some embodiments, the password-free payment function of the target business service is not enabled, and the unfrozen amount is greater than or equal to the difference amount, and the difference amount is frozen to the frozen amount based on the unfrozen amount or the third-party payment interface.

[0071] In some implementations, the password-free payment function of the target business service is not enabled, and the non-frozen amount is less than the difference amount, and the difference amount is frozen to the frozen amount based on the third-party payment interface.

[0072] In some implementations, the password-free payment function of the target business service is enabled, and the non-frozen amount is less than the difference amount, and the difference amount is frozen to the frozen amount based on the third-party payment interface.

[0073] In step S208, it is determined whether to provide the target business service to the target object.

[0074] In step S209, the target business service is provided to the target object, and payment is made for the target business service using any one of a frozen amount, an unfrozen amount, and a third-party payment interface within a preset time window.

[0075] For the introduction of step S209, please refer to the relevant content in the above embodiment, which will not be repeated here.

[0076] In the disclosed embodiment, after it is determined that the target business service is not to be provided to the target object, the frozen amount can be recharged to meet the conditions for providing the business service, which can better adapt to business needs and improve the flexibility of processing business services. Verification information sent by the candidate financial payment system is received, and in response to the verification information indicating that the payment information verification is successful, the difference amount is frozen to the frozen amount based on the non-frozen amount or the third-party payment interface. This can ensure that when there is an outstanding balance on the expense order, there are sufficient funds in the frozen amount for consumption, which can improve the efficiency of consuming orders generated by the business service and improve the stability of using the business service.

[0077] Figure 3 is a flowchart of a method for processing a business service according to a third embodiment of the present disclosure. Figure 1 As shown, the method comprises the following steps:

[0078] In step S301, in response to monitoring the business service request of the target object, the balance information query interface of the digital wallet is called to determine the frozen amount and the unfrozen amount in the digital wallet.

[0079] In step S302, the target business service requested by the business service request is determined, and the activation state of the password-free payment function of the target business service is determined.

[0080] In step S303, in response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, the difference between the amount threshold and the frozen amount is obtained.

[0081] In step S304, in response to the non-frozen amount being greater than or equal to the difference amount, the payment freezing interface of the digital wallet is called to freeze the difference amount from the non-frozen amount to the frozen amount.

[0082] In step S305, the target business service is provided to the target object.

[0083] For the introduction of steps S301 to S305, reference may be made to the relevant contents in the above embodiments, which will not be repeated here.

[0084] In step S306, the expense order generated by providing the target business service is obtained, and the order status of the expense order is set to an unpaid status.

[0085] Take the ride scenario as an example. In this case, the target business service is the ride service. After providing the ride service, a fee order can be generated based on the ride distance and ride time when the ride service is provided. The fee order is obtained, and the order status of the fee order is set to an unpaid status, so that the fee order can be managed based on the order status in the future.

[0086] In step S307, the preset time window is divided into a first time window and a second time window based on a preset time threshold or a preset time period.

[0087] In some implementations, a preset timer is called to time the generation time of the expense order, and when the timed time does not exceed the time threshold, it is determined as the first time window, and when the timed time exceeds the time threshold, it is determined as the second time window.

[0088] In some embodiments, the time threshold is one week for example, when the time is less than one week, it is determined as the first time window, and when the time is more than one week, it is determined as the second time window. In some embodiments, the time threshold is one month for example, when the time is less than one month, it is determined as the first time window, and when the time is more than one month, it is determined as the second time window.

[0089] In some implementations, the preset time window is divided into a first time window or a second time window according to a time period, and the first time window is larger than the second time window.

[0090] In some embodiments, a time period of one month is used as an example, and the last day of each month can be used as the second time window, and the other time periods except the last day of each month can be used as the first time window. A time period of one quarter (three months) is used as an example, and the last day of each quarter can be used as the second time window, and the other time periods except the last day of each quarter can be used as the first time window.

[0091] In step S308, within the first time window, the expense order is paid using a non-frozen amount or a third-party payment interface, and the order status of the expense order is updated to a paid status after the payment is successful.

[0092] In some embodiments, payment can be made to the target business service in the first time window based on a preset payment order. For example, when the password-free payment function of the target business service is turned on, the expense order is first paid based on the priority of the non-frozen amount and the third-party payment interface. If the priority of the non-frozen amount is higher than that of the third-party payment interface, the non-frozen amount is first called to pay the expense order. If the non-frozen amount is less than the amount required to pay the expense order, the third-party payment interface is called to pay the expense order. After a successful payment, the status of the expense order is updated to a paid status.

[0093] In some embodiments, when the password-free payment function of the target business service is not enabled, the expense order is paid using a non-frozen amount or one of the third-party payment interfaces according to the target object's instructions, and the order status of the expense order is updated to a paid status after the payment is successful.

[0094] In step S309, within the second time window, the frozen amount is used to pay the expense order whose order status is unpaid, and after the payment is successful, the order status of the expense order is updated to paid.

[0095] In some embodiments, when the password-free payment function of the target business service is turned on, if the non-frozen amount and the amount in the third-party payment interface are not sufficient to pay the expense order, the frozen amount is called in the second time window to pay the target business service. After the payment is successful, the status of the expense order is updated to the paid status.

[0096] In some embodiments, when the password-free payment function of the target business service is not enabled, if the expense order is not successfully paid in the first time window, within the second time window, the frozen amount is used to pay the expense order with an unpaid order status, and after the payment is successful, the order status of the expense order is updated to a paid status.

[0097] That is to say, in the second time window, the fee orders with an unpaid order status are paid.

[0098] In the embodiment of the present disclosure, the preset time window is divided into a first time window and a second time window based on a preset time threshold or a preset time period. In the first time window, the expense order is paid using a non-frozen amount or one of the third-party payment interfaces. In the second time window, the frozen amount is used to pay the expense order with an unpaid order status. This can better adapt to business needs, improve the flexibility of processing business services, consume orders generated by providing business services in a timely manner, and improve the stability of using business services.

[0099] like Figure 4 As shown, in some embodiments, in response to receiving a cancellation application for a target business service, you can refer to the above-mentioned related introduction, and based on one of the frozen amount, the unfrozen amount, and the third-party payment interface, pay the expense order with an unpaid order status, and update the order status of the expense order to a paid state after the payment is successful. Until the order status of all expense orders is paid, the frozen amount is unfrozen to the unfrozen amount, and the business service information of the target object is deleted. After the target object unsubscribes from the target business service, the target business service needs to be reopened the next time a business service request for the target business service is received from the target object. This application can better adapt to business needs and improve the flexibility of processing business services.

[0100] like Figure 5 As shown, in some embodiments, the switch state of the pre-deployed information reminder switch is obtained, and in response to the switch state indicating that the information reminder switch is in the on state, after determining that the target business service is not provided to the target object, the first reminder information is generated and displayed. Or, in response to the switch state indicating that the information reminder switch is in the on state, after the payment of the expense order fails, the second reminder information is generated and displayed. Optionally, in response to the switch state indicating that the information reminder switch is in the off state, no information reminder is performed.

[0101] That is to say, the target object can configure the switch status of the information reminder switch during the access platform process to set whether to turn on the reminder function. The embodiment of the present application can flexibly remind problems that arise when providing business services, thereby better adapting to business needs.

[0102] Figure 6 The present invention is a block diagram of a processing device for a business service according to a sixth embodiment of the present disclosure.

[0103] like Figure 6 As shown, the business service processing device 600 of the embodiment of the present disclosure includes:

[0104] The first determination module 610 is used to call the balance information query interface of the digital wallet in response to monitoring the business service request of the target object, and determine the frozen amount and the unfrozen amount in the digital wallet;

[0105] The second determination module 620 is used to determine the target business service requested by the business service request, and determine the activation state of the password-free payment function of the target business service;

[0106] The first processing module 630 is used to, in response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, obtain the difference between the amount threshold and the frozen amount, and in response to the non-frozen amount being greater than or equal to the difference, call the payment freezing interface of the digital wallet to freeze the difference from the non-frozen amount to the frozen amount;

[0107] The second processing module 640 is used to provide the target business service to the target object, and pay for the target business service using any one of the frozen amount, the unfrozen amount, and the third-party payment interface within a preset time window.

[0108] In some implementations, the first processing module 630 is further configured to:

[0109] In response to the password-free payment function of the target business service being enabled and the frozen amount being greater than or equal to the amount threshold, determining to provide the target business service to the target object; or,

[0110] In response to the password-free payment function of the target business service being not enabled and the frozen amount being greater than or equal to the amount threshold, it is determined that the target business service is provided to the target object.

[0111] In some implementations, the first processing module 630 is further configured to:

[0112] In response to the password-free payment function of the target business service being enabled, the frozen amount being less than the amount threshold, and the unfrozen amount being less than the difference amount, determining not to provide the target business service to the target object; or

[0113] In response to the password-free payment function of the target business service not being enabled and the frozen amount being less than the amount threshold, it is determined that the target business service is not provided to the target object.

[0114] In some implementations, the second processing module 640 is further configured to:

[0115] In response to receiving a recharge instruction for a frozen amount, obtaining payment information of a target object, where the payment information includes at least channel information and contract information;

[0116] Call the payment freeze interface to send the payment information to the candidate financial payment system;

[0117] Receiving verification information sent by the candidate financial payment system, and in response to the verification information indicating that the payment information verification is passed, freezing the difference amount to the frozen amount based on the non-frozen amount or the third-party payment interface;

[0118] Determine to provide target business services to the target object.

[0119] In some implementations, the second processing module 640 is further configured to:

[0120] Obtain the expense order generated by providing the target business service, and set the order status of the expense order to an unpaid status;

[0121] Dividing the preset time window into a first time window and a second time window based on a preset time threshold or a preset time period;

[0122] Within the first time window, use the non-frozen amount or a third-party payment interface to pay for the expense order, and update the order status of the expense order to paid status after the payment is successful; or

[0123] In the second time window, the frozen amount is used to pay the fee order whose order status is unpaid, and after the payment is successful, the order status of the fee order is updated to paid.

[0124] In some implementations, the second processing module 640 is further configured to:

[0125] Calling a preset timer to time the generation time of the expense order, and determining it as a first time window when the timed time does not exceed the time threshold, and determining it as a second time window when the timed time exceeds the time threshold; or

[0126] The preset time window is divided into a first time window or a second time window according to a time period, and the first time window is larger than the second time window.

[0127] In some implementations, the second processing module 640 is further configured to:

[0128] In response to receiving a cancellation application for the target business service, based on one of the frozen amount, the unfrozen amount, and the third-party payment interface, the fee order with an order status of unpaid is paid, and after the payment is successful, the order status of the fee order is updated to a paid state;

[0129] In response to the order status of all expense orders being a paid status, the frozen amount is unfrozen to an unfrozen amount, and the business service information of the target object is deleted.

[0130] In some implementations, the second processing module 640 is further configured to:

[0131] Get the switch status of the pre-deployed information reminder switch;

[0132] In response to the switch state indication information reminding that the switch is in the on state, after determining that the target business service is not provided to the target object, generating and displaying first prompt information; or,

[0133] In response to the switch status indication information reminding that the switch is in the on state, after the payment of the expense order fails, a second prompt message is generated and displayed.

[0134] In the disclosed embodiment, in response to the password-free payment function of the target business service being turned on and the frozen amount being less than the preset amount threshold, the difference between the amount threshold and the frozen amount is obtained, and in response to the non-frozen amount being greater than or equal to the difference amount, the payment freezing interface of the digital wallet is called to freeze the difference amount from the non-frozen amount to the frozen amount, and provide the target business service to the target object. In the disclosed embodiment, whether to provide the target business service is determined based on three factors: the activation status of the password-free payment function of the target business service, the frozen amount and the non-frozen amount. When the password-free payment function is turned on, priority is given to ensuring that the frozen amount is not less than the amount threshold, which can better adapt to business needs and improve the flexibility of processing business services. By using any one of the frozen amount, non-frozen amount, and third-party payment interface within the preset time window to pay for the target business service, orders generated by providing business services can be consumed in a timely manner, thereby improving the stability of using business services.

[0135] It should be noted that the acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations.

[0136] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be considered as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0137] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this application are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards.

[0138] Figure 7 2 is a schematic diagram of the structure of the electronic device of the seventh embodiment of the present disclosure. It should be noted that the electronic device can be any electronic device in a client, a bank system, or a card organization system.

[0139] like Figure 7As shown, the electronic device 700 includes:

[0140] The memory 710 and the processor 720, a bus 730 connecting different components (including the memory 710 and the processor 720), the memory 710 stores a computer program, and when the processor 720 executes the program, the processing method of the business service described in the embodiment of the present disclosure is implemented.

[0141] Bus 730 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.

[0142] The electronic device 700 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by the electronic device 700, including volatile and non-volatile media, removable and non-removable media.

[0143] The memory 710 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 740 and / or cache memory 750. The electronic device 700 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 760 may be used to read and write non-removable, non-volatile magnetic media ( Figure 7 not shown, usually called a "hard drive"). Although Figure 7 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 730 via one or more data medium interfaces. The memory 710 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0144] A program / utility 780 having a set (at least one) of program modules 770 may be stored, for example, in the memory 710, such program modules 770 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 770 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0145] The electronic device 700 may also communicate with one or more external devices 790 (e.g., keyboard, pointing device, display 791, etc.), one or more devices that enable a user to interact with the electronic device 700, and / or any device that enables the electronic device 700 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed through an input / output (I / O) interface 792. Furthermore, the electronic device 700 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 793. Figure 7 As shown, the network adapter 793 communicates with other modules of the electronic device 700 via the bus 730. It should be understood that, although not shown in the figure, other hardware and / or software modules can be used in conjunction with the electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0146] The processor 720 executes various functional applications and data processing by running the programs stored in the memory 710 .

[0147] It should be noted that the implementation process and technical principles of the electronic device of this embodiment refer to the aforementioned explanation of the processing method of the business service of the embodiment of the present disclosure, and will not be repeated here.

[0148] In order to implement the above embodiments, the present disclosure also proposes a computer-readable storage medium.

[0149] When the instructions in the computer-readable storage medium are executed by the processor of the service server, the service server can execute the processing method of the service service as described above. Optionally, the computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.

[0150] In order to implement the above embodiments, the present disclosure further provides a computer program product, including a computer program, characterized in that when the computer program is executed by a processor, the processing method of the business service as described above is implemented.

[0151] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0152] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A method for processing a business service, characterized in that: include: In response to monitoring the business service request of the target object, calling the balance information query interface of the digital wallet to determine the frozen amount and the unfrozen amount in the digital wallet; Determine the target business service requested by the business service request, and determine the activation status of the password-free payment function of the target business service; In response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, obtaining an amount difference between the amount threshold and the frozen amount; In response to the non-frozen amount being greater than or equal to the difference amount, calling a payment freezing interface of the digital wallet to freeze the difference amount from the non-frozen amount into the frozen amount; The target business service is provided to the target object, and the target business service is paid for using any one of the frozen amount, the unfrozen amount, and a third-party payment interface within a preset time window.

2. The method according to claim 1, characterized in that: After determining the activation state of the password-free payment function of the target business service, the method further includes: In response to the password-free payment function of the target business service being enabled and the frozen amount being greater than or equal to the amount threshold, determining to provide the target business service to the target object; or, In response to the password-free payment function of the target business service being not enabled and the frozen amount being greater than or equal to the amount threshold, it is determined that the target business service is provided to the target object.

3. The method according to claim 1, characterized in that After determining the activation state of the password-free payment function of the target business service, the method further includes: In response to the password-free payment function of the target business service being enabled, the frozen amount being less than the amount threshold, and the unfrozen amount being less than the difference amount, determining not to provide the target business service to the target object; or In response to the password-free payment function of the target business service being not enabled and the frozen amount being less than the amount threshold, it is determined that the target business service is not provided to the target object.

4. The method according to claim 3, characterized in that After determining not to provide the target business service to the target object, the method further includes: In response to receiving the recharge instruction of the frozen amount, obtaining payment information of the target object, the payment information at least including channel information and contract information; Calling the payment freeze interface to send the payment information to a candidate financial payment system; receiving verification information sent by the candidate financial payment system, and in response to the verification information indicating that the payment information has been verified, freezing the difference amount to the frozen amount based on the non-frozen amount or the third-party payment interface; Determine to provide the target business service to the target object.

5. The method according to any one of claims 1 to 4, characterized in that: The using any one of the frozen amount, the unfrozen amount, and the third-party payment interface to pay for the target business service within the preset time window includes: Obtaining a fee order generated by providing the target business service, and setting the order status of the fee order to an unpaid state; Dividing the preset time window into a first time window and a second time window based on a preset time threshold or a preset time period; Within the first time window, use one of the non-frozen amount and the third-party payment interface to pay the expense order, and update the order status of the expense order to a paid status after the payment is successful; or In the second time window, the frozen amount is used to pay the expense order whose order status is unpaid, and after the payment is successful, the order status of the expense order is updated to paid.

6. The method according to claim 5, characterized in that The dividing the preset time window into a first time window and a second time window based on a preset time threshold or a preset time period includes: Calling a preset timer to time the generation time of the expense order, and determining the first time window when the timed time does not exceed the time threshold, and determining the second time window when the timed time exceeds the time threshold; or The preset time window is divided into the first time window or the second time window according to the time period, and the first time window is larger than the second time window.

7. The method according to claim 5, characterized in that Also includes: In response to receiving the cancellation application for the target business service, based on one of the frozen amount, the unfrozen amount, and the third-party payment interface, paying the fee order whose order status is unpaid, and updating the order status of the fee order to paid after the payment is successful; In response to the order status of all expense orders being a paid status, the frozen amount is unfrozen to an unfrozen amount, and the business service information of the target object is deleted.

8. The method according to claim 7, characterized in that Also includes: Get the switch status of the pre-deployed information reminder switch; In response to the switch state indicating that the information reminder switch is in the on state, after determining that the target business service is not provided to the target object, generating and displaying first prompt information; or, In response to the switch state indicating that the information reminder switch is in an on state, after the payment of the expense order fails, a second prompt message is generated and displayed.

9. A processing device for business services, characterized in that: include: A first determination module is used to call a balance information query interface of a digital wallet in response to monitoring a business service request of a target object, and determine a frozen amount and an unfrozen amount in the digital wallet; A second determination module is used to determine the target business service requested by the business service request, and determine the activation state of the password-free payment function of the target business service; A first processing module is configured to, in response to the password-free payment function of the target business service being enabled and the frozen amount being less than a preset amount threshold, obtain a difference between the amount threshold and the frozen amount, and in response to the non-frozen amount being greater than or equal to the difference, call a payment freezing interface of the digital wallet to freeze the difference from the non-frozen amount to the frozen amount; The second processing module is used to provide the target business service to the target object, and use any one of the frozen amount, the unfrozen amount, and a third-party payment interface to pay for the target business service within a preset time window.

10. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 8 when executed by a processor.

12. A computer program product, comprising a computer program, which, when executed by a processor, implements the method according to any one of claims 1 to 8.

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