Payment score determination method, device and electronic equipment

Abstract

The present invention discloses a method, device, and electronic device for determining payment points. The method comprises: receiving a payment request; determining, in response to the payment request, multiple score deduction methods corresponding to a target account on a target platform; retrieving sub-functions corresponding to the multiple score deduction methods; determining, based on the score to be paid and the payment parameters of the target account on the target platform, sub-function constraints corresponding to the multiple sub-functions; determining, based on the multiple sub-functions, a target function and target constraints corresponding to the target function; and obtaining, based on the score to be paid and the target function under the target constraints, a target payment score under a target deduction combination. The present invention solves the technical problem in related technologies where users face high manual calculation costs and inconvenient operations due to the diversity of score deduction methods.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a method, device and electronic device for determining a payment value. Background Art

[0002] In related technologies, users are faced with a variety of ways to deduct points, and there are technical problems such as high manual calculation costs and inconvenient operations.

[0003] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0004] The embodiments of the present invention provide a payment score determination method, device, and electronic device to at least solve the technical problems in related technologies where users face a variety of score deduction methods, high manual calculation costs, and inconvenient operations.

[0005] According to one aspect of an embodiment of the present invention, a method for determining a payment score is provided, comprising: receiving a payment request, wherein the payment request is used to request payment based on a target account, the payment request carrying a platform identifier of a target platform and a score to be paid; in response to the payment request, determining multiple score deduction methods corresponding to the target account on the target platform; retrieving sub-functions corresponding to the multiple score deduction methods; determining sub-function constraints corresponding to the multiple sub-functions based on the score to be paid and payment parameters of the target account on the target platform; determining a target function and target constraints corresponding to the target function based on the multiple sub-functions, wherein the target constraints include multiple sub-function constraints and deduction method constraints between the multiple score deduction methods, the target function is used to select different deduction combinations to deduct the score to be paid, and the target function aims to minimize the score to be paid; and obtaining a target payment score under the target deduction combination based on the score to be paid and the target function under the target constraints.

[0006] Optionally, the target payment score under the target deduction combination is obtained based on the score to be paid and the objective function under the target constraint conditions, including: determining, based on the score to be paid, multiple variable values ​​corresponding to multiple sub-functions under the target constraint conditions to obtain multiple payment variable combinations; determining, based on the objective function, the payment scores to be selected corresponding to the multiple payment variable combinations; determining the target payment score with the lowest score from the multiple payment scores to be selected; and determining the payment variable combination corresponding to the target payment score as the target deduction combination.

[0007] Optionally, determining the candidate payment scores corresponding to the multiple payment variable combinations respectively based on the objective function includes: for each sub-function, determining the sub-deduction score corresponding to the second variable value based on the sub-deduction score corresponding to the first variable value, until the sub-deduction scores corresponding to the multiple variable values ​​are determined, wherein the first variable value is the variable value of the previous stage of the second variable value; determining the candidate payment scores corresponding to the multiple payment variable combinations respectively based on the objective function and the sub-deduction scores corresponding to the multiple variable values ​​of each sub-function.

[0008] Optionally, calling the sub-functions corresponding to the multiple score deduction methods includes: determining a deduction complexity index based on the platform identifier and the multiple score deduction methods; and calling the sub-functions corresponding to the multiple score deduction methods when the deduction complexity index is greater than a first predetermined threshold.

[0009] Optionally, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, the method further includes: determining multiple payment methods for the target account; determining the deduction scores corresponding to the multiple payment methods; and determining the target payment method from the multiple payment methods based on the deduction scores corresponding to the multiple payment methods.

[0010] Optionally, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, it also includes: determining a security index corresponding to the target deduction combination; when the security index is greater than a second predetermined threshold, sending first deduction combination information to the target account, wherein the first deduction combination information includes the target deduction combination and the target payment score.

[0011] Optionally, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, it includes: determining the limit time for using the target deduction combination; sending second deduction combination information to the target account, wherein the second deduction combination information includes the target deduction combination, the target payment score and the limit time.

[0012] According to one aspect of an embodiment of the present invention, a device for determining a payment score is provided, comprising: a receiving module for receiving a payment request, wherein the payment request is for requesting payment based on a target account, the payment request carrying a platform identifier of a target platform and a score to be paid; a first determining module for, in response to the payment request, determining multiple score deduction methods corresponding to the target account on the target platform; a retrieving module for retrieving sub-functions corresponding to the multiple score deduction methods; a second determining module for determining, based on the score to be paid and payment parameters of the target account on the target platform, sub-function constraints corresponding to the multiple sub-functions; a third determining module for determining, based on the multiple sub-functions, a target function and target constraints corresponding to the target function, wherein the target constraints include multiple sub-function constraints and deduction method constraints between the multiple score deduction methods, the target function for selecting different deduction combinations to deduct the score to be paid, the target function aiming to minimize the score to be paid; and a fourth determining module for obtaining, based on the score to be paid and the target function under the target constraints, a target payment score under a target deduction combination.

[0013] According to one aspect of an embodiment of the present invention, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement any one of the payment score determination methods described above.

[0014] According to one aspect of an embodiment of the present invention, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device can execute any of the above-mentioned payment score determination methods.

[0015] In an embodiment of the present invention, a payment request is received, wherein the payment request is used to request payment based on a target account, and the payment request carries a platform identifier of the target platform and a score to be paid; in response to the payment request, multiple score deduction methods corresponding to the target account on the target platform are determined; sub-functions corresponding to the multiple score deduction methods are called; based on the score to be paid and the payment parameters of the target account on the target platform, sub-function constraints corresponding to the multiple sub-functions are determined; based on the multiple sub-functions, a target function and target constraints corresponding to the target function are determined, wherein the target constraints include multiple sub-function constraints and deduction method constraints between the multiple score deduction methods, the target function is used to select different deduction combinations to deduct the score to be paid, and the target function aims to minimize the score to be paid; based on the score to be paid, the target function, under the target constraints, obtains a target payment score under the target deduction combination. A payment request initiated by the target account is received, and according to the target platform identifier and target account information in the payment request, the payment operation is ensured to be performed accurately for the specific platform and specific payment score. By determining the various score deduction methods available to the account on the target platform, the corresponding sub-function is called for each score deduction method. Based on the score to be paid and the payment parameters of the target account on the target platform, the applicable constraints of each sub-function are determined. This clearly defines the conditions for each score deduction method and ensures that subsequent payment operations are carried out within the legal and compliant scope. Based on multiple sub-functions, an objective function is determined. This objective function comprehensively considers the constraints of multiple sub-functions and the constraints of the deduction methods between multiple score deduction methods, enhancing the stability and reliability of subsequent payment operations. Based on the full utilization of multiple sub-function constraints and deduction method constraints, the objective function is used to automatically optimize the combination of multiple deduction methods, reducing the complex operation of manual selection by users. According to the score to be paid, under the target constraint conditions, the optimal target deduction combination is calculated through the objective function, and the target payment score under this combination is obtained. On the premise of ensuring the legitimacy and feasibility of the target payment score, the best utilization of payment resources is achieved, and the user's operational burden is reduced, thereby improving the efficiency and accuracy of payment, and further solving the technical problems in related technologies that users face the diversity of score deduction methods, high manual calculation costs, and inconvenient operations. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0017] Figure 1 is a flow chart of a method for determining payment points according to an embodiment of the present invention;

[0018] Figure 2 is a timing diagram of a payment score determination system provided in an optional embodiment of the present invention;

[0019] Figure 3 is a functional diagram of a payment score determination system provided in an optional embodiment of the present invention;

[0020] Figure 4 is a timing diagram of a payment score determination method provided in an optional embodiment of the present invention;

[0021] Figure 5 4 is a structural block diagram of a device for determining payment points according to an embodiment of the present invention. DETAILED DESCRIPTION

[0022] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0023] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention 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 numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0024] First, some nouns or terms that appear in the description of the embodiments of the present application are subject to the following interpretations:

[0025] Dynamic programming: A method for solving complex problems, dynamic programming efficiently finds the optimal solution by breaking down a large problem into a series of interdependent smaller problems and storing the results of solved subproblems to avoid repeated computations. This method is widely used in computer science and engineering, such as path planning, resource allocation, and sequence alignment. Its core concept is to improve algorithmic efficiency by using the "divide and conquer" and "memoized search" strategies.

[0026] Greedy algorithm: A greedy algorithm is an algorithm that takes the best or optimal (i.e., most favorable) option in the current state at each step, hoping to lead to the best or optimal result globally. It is usually used to solve optimization problems such as the knapsack problem and the activity selection problem, but it does not guarantee that the global optimal solution can always be found, because the local optimal choice does not necessarily constitute the global optimal solution.

[0027] Off-chain computing: It is a method of performing calculations outside the blockchain to improve the performance and efficiency of the system while reducing the burden on the blockchain. It performs complex computing tasks outside the blockchain and only records the necessary results and verification information on the blockchain.

[0028] Example 1

[0029] According to an embodiment of the present invention, an embodiment of a method for determining a payment score is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0030] Figure 1 FIG. 1 is a flow chart of a method for determining payment points according to an embodiment of the present invention. Figure 1 As shown, the method includes the following steps:

[0031] S102, receiving a payment request, wherein the payment request is used to request payment based on a target account, and the payment request carries a platform identifier of the target platform and a score to be paid;

[0032] In step S102 provided in this application, a payment request is received.

[0033] This involves a payment request, which is a collection of request information initiated by the target account to complete a payment operation. For example, a payment request submitted by the target account when purchasing goods through a mobile payment platform includes account information, payment amount, and payment destination.

[0034] Among them, the target account is involved, which is the account that initiates the payment request during the payment process and is used to perform the payment operation.

[0035] The target platform is the platform where the target account performs payment related to the payment request. It is usually associated with the payment request.

[0036] Among them, the platform identification is involved, and the platform identification is identification information used to distinguish the specific execution platform of the payment operation.

[0037] The points to be paid are involved, and the points to be paid are the specific amount included in the payment request and need to be paid.

[0038] By receiving a payment request, which is used to request payment based on the target account, and the payment request carries the platform identifier of the target platform and the score to be paid, an accurate data basis is provided for the subsequent determination of the payment score based on these specific information, thereby helping to ensure that the payment logic of the correct target platform and the relevant payment information of the target account are matched according to the payment request, and thus helping to solve the technical problems in related technologies where users face the diversity of score deduction methods and the complexity of preferential information, resulting in high manual calculation costs and inconvenient operations.

[0039] It should be noted that there is no specific restriction on the method of receiving payment requests, and customized settings can be made according to actual applications and scenarios.

[0040] S104, in response to the payment request, determining multiple point deduction methods corresponding to the target account on the target platform;

[0041] In step S104 provided in this application, the payment request is responded to, and multiple point deduction methods corresponding to the target account on the target platform are determined.

[0042] This involves point deduction methods, which are various deduction methods that can be used by the target account to pay the points to be paid during the payment process, including the use of points, coupons, discounts, etc. For example, point payment and coupons for discounts on purchases ensure payment flexibility while helping to provide users with personalized payment options, helping them maximize the use of payment resources and improving payment efficiency and convenience.

[0043] By responding to payment requests and determining the various points deduction methods corresponding to the target account on the target platform, we can understand the various deduction methods that the target account can use to pay the points to be paid during the payment process, including points, coupons, discounts, etc., providing data and logical support for the subsequent construction of the target function, thereby effectively solving the problems of high logical complexity, great adaptation difficulty, and low computing efficiency in multiple payment scenarios, and achieving the beneficial technical effects of improving the flexibility of the payment system, optimizing computing efficiency, and enhancing the user payment experience.

[0044] It should be noted that there are no specific restrictions on the method of determining the various points deduction methods corresponding to the target account on the target platform, and customized settings can be made according to actual applications and scenarios.

[0045] S106, calling sub-functions corresponding to multiple score deduction methods;

[0046] In step S106 provided in this application, sub-functions corresponding to various score deduction methods are called.

[0047] Among them, a sub-function is involved, which is designed for each score deduction method and is a function that determines the payment score according to the payment rules or logic of the score deduction method.

[0048] By calling sub-functions corresponding to multiple score deduction methods, each score deduction method has independent calculation logic, providing data and logic support for the construction of subsequent objective functions, thereby effectively solving problems such as high logical complexity, great adaptation difficulty, and low calculation efficiency in multiple payment scenarios, and achieving the beneficial technical effects of improving the flexibility of the payment system, optimizing calculation efficiency, and enhancing user payment experience.

[0049] It should be noted that there is no specific restriction on the method of calling sub-functions corresponding to various score deduction methods, and customized settings can be made according to actual applications and scenarios.

[0050] S108, determining sub-function constraints corresponding to the multiple sub-functions based on the score to be paid and the payment parameters of the target account on the target platform;

[0051] In step S108 provided in the present application, sub-function constraints corresponding to the plurality of sub-functions are determined.

[0052] Among them, payment parameters are involved, which are parameters that reflect the payment information of the deduction method adopted by the target account on the target platform, such as the points balance.

[0053] This involves sub-function constraints, which are restrictions set on the calculation logic of each point deduction method. For example, the constraints of the points payment sub-function may stipulate that the points payment must not exceed the account points balance, and the constraints of the coupon sub-function may stipulate that the coupon is only valid for specific products and must meet a minimum purchase amount.

[0054] By defining constraints for each point deduction method (corresponding sub-function) based on the payment parameters of the score to be paid and the target account, a clear behavioral boundary is provided for each deduction method. Constraints can clarify the feasible scope and conditions of each deduction method in the payment scenario. By integrating these constraints, the boundary conditions of the payment logic can be established and the rationality of determining the target payment score can be improved, thereby providing a precise foundation for subsequent objective function optimization, ensuring the legitimacy and feasibility of determining the target payment score, and thus achieving the goal of helping users maximize the utilization of payment resources and optimizing the user payment experience.

[0055] In addition, this method supports the addition of new deduction methods in the future, which can be seamlessly integrated by simply defining the corresponding sub-functions and constraints.

[0056] It should be noted that there is no specific limitation on the method of determining the sub-function constraint conditions corresponding to multiple sub-functions, and customized settings can be made according to actual applications and scenarios.

[0057] S110: Determine an objective function and objective constraints corresponding to the objective function based on the multiple sub-functions, wherein the objective constraints include the multiple sub-function constraints and the deduction method constraints between the multiple score deduction methods. The objective function is used to select different deduction combinations to deduct the score to be paid, and the objective function aims to minimize the score to be paid.

[0058] In step S110 provided in the present application, the objective function and the objective constraint conditions corresponding to the objective function are determined.

[0059] Among them, the objective function is involved. The objective function is determined based on multiple sub-functions. It measures the pros and cons of a certain combination of deduction methods and takes minimizing the score to be paid as the optimization goal.

[0060] Among them, the target constraint condition is involved. The target constraint condition is the constraint condition corresponding to multiple sub-functions involved in the process of minimizing the score to be paid as the optimization goal by measuring the pros and cons of the deduction results of different deduction combinations on the score to be paid.

[0061] Among them, the deduction method constraint condition is involved, which is the restriction condition corresponding to the deduction method adopted when the target account can be used to pay the points to be paid during the payment process.

[0062] Among them, a deduction combination is involved, which is a combination of allocating and deducting the payment points by combining multiple deduction methods (such as points, coupons, etc.).

[0063] The objective function and corresponding objective constraints are determined through the conditions and logic provided by the sub-functions, combined with payment constraints. This objective function comprehensively considers multiple sub-function constraints, as well as the deduction method constraints between various score deduction methods. This can clearly identify conflicts in the deduction combinations that minimize the score to be paid. Furthermore, by fully utilizing multiple sub-function constraints and deduction method constraints, the objective function automatically optimizes the combination of various deduction methods, reducing the complex manual selection process for users. Furthermore, by minimizing the score to be paid through the objective function, the resulting deduction combination not only meets all constraints but also maximizes the use of the user's payment resources, meeting the user's need for cost savings and improving payment efficiency.

[0064] It should be noted that there is no specific limitation on the method of determining the objective function and the objective constraint conditions corresponding to the objective function, and customized settings can be made according to actual applications and scenarios.

[0065] S112, according to the score to be paid and the objective function under the target constraint condition, obtain the target payment score under the target deduction combination.

[0066] In step S112 provided in this application, the target payment score under the target deduction combination is obtained.

[0067] Among them, a target deduction combination is involved, which is a combination of deduction methods corresponding to the minimum score to be paid determined based on the objective function while meeting the target constraint conditions.

[0068] Among them, the target payment score is involved, which is the minimum score to be paid determined based on the objective function while meeting the target constraints, that is, the payment score corresponding to the target deduction combination.

[0069] By determining the target deduction combination corresponding to the minimum score to be paid based on the score to be paid, combined with the objective function and target constraints, the optimal allocation of various deduction methods such as points and coupons is achieved, and the specific allocation of deduction methods that users can choose when making payments is clarified, achieving the best utilization of payment resources. By determining the target payment score corresponding to the target deduction combination under the target constraints, the legitimacy and feasibility of the target payment score are ensured, the user's operational burden is reduced, the payment process is simplified, and the efficiency and accuracy of payment are improved. This effectively solves the technical problems in related technologies where users face high manual calculation costs and inconvenient operations due to the diversity of score deduction methods and the complexity of discount information.

[0070] It should be noted that there is no specific restriction on the method of obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions. It can be customized according to the actual application and scenario.

[0071] Through the above steps S102-S112, a payment request is received, wherein the payment request is used to request payment based on the target account, and the payment request carries the platform identifier of the target platform and the score to be paid; in response to the payment request, multiple score deduction methods corresponding to the target account on the target platform are determined; sub-functions corresponding to the multiple score deduction methods are called; based on the score to be paid and the payment parameters of the target account on the target platform, sub-function constraints corresponding to the multiple sub-functions are determined; based on the multiple sub-functions, a target function and target constraints corresponding to the target function are determined, wherein the target constraints include multiple sub-function constraints and deduction method constraints between the multiple score deduction methods, the target function is used to select different deduction combinations to deduct the score to be paid, and the target function aims to minimize the score to be paid; based on the score to be paid, the target payment score under the target deduction combination is obtained by the target function under the target constraints. A payment request initiated by the target account is received, and according to the target platform identifier and target account information in the payment request, the payment operation is ensured to be accurately performed for the specific platform and specific payment score. By determining the various score deduction methods available to the account on the target platform, the corresponding sub-function is called for each score deduction method. Based on the score to be paid and the payment parameters of the target account on the target platform, the applicable constraints of each sub-function are determined. This clearly defines the conditions for each score deduction method and ensures that subsequent payment operations are carried out within the legal and compliant scope. Based on the multiple sub-functions, an objective function is determined. This objective function comprehensively considers the constraints of multiple sub-functions and the constraints of the deduction methods between the multiple score deduction methods, enhancing the stability and reliability of subsequent payment operations. Based on the full utilization of the constraints of multiple sub-functions and the deduction method constraints, the objective function is used to automatically optimize the combination of multiple deduction methods, reducing the complex operation of manual selection by users. According to the score to be paid, under the target constraint conditions, the optimal target deduction combination is calculated through the objective function, and the target payment score under this combination is obtained. On the premise of ensuring the legitimacy and feasibility of the target payment score, the best utilization of payment resources is achieved, and the user's operational burden is reduced, thereby improving the efficiency and accuracy of payment, and further solving the technical problems in related technologies that users face the diversity of score deduction methods, high manual calculation costs, and inconvenient operations.

[0072] As an optional embodiment, based on the score to be paid and the objective function under the target constraint conditions, a target payment score under the target deduction combination is obtained, including: based on the score to be paid, determining multiple variable values ​​corresponding to multiple sub-functions under the target constraint conditions to obtain multiple payment variable combinations; based on the objective function, determining the payment scores to be selected corresponding to the multiple payment variable combinations; determining the target payment score with the lowest score from the multiple payment scores to be selected; and determining the payment variable combination corresponding to the target payment score as the target deduction combination.

[0073] In this embodiment, specific steps are described for obtaining a target payment score under a target deduction combination based on the score to be paid and the objective function under target constraints.

[0074] This involves a variable value, which describes the value of a specific deduction method parameter in the sub-function corresponding to the deduction method, that is, the specific usage level or amount (such as usage ratio, discount rate, exemption amount, etc.). For example, in the point payment sub-function, the variable value can be 100 points, which is the number of points used in this payment.

[0075] This involves payment variable combinations, which are formed by combining multiple variable values ​​corresponding to multiple sub-functions based on the points to be paid, under target constraints. Each combination represents a possible payment solution. For example, a payment variable combination might include 100 points, a coupon worth 50 points, and 30 yuan in cash.

[0076] Among them, it involves the payment score to be selected, which is determined by using the objective function for the payment variable combination, and is the score that needs to be paid in the payment variable combination and is used for the subsequent selection.

[0077] In the steps involved in this embodiment, variable values ​​are determined for multiple sub-functions based on the scores to be paid and a series of target constraints to obtain multiple groups of payment variable combinations. The target function is used to determine the corresponding payment score to be selected for each payment variable combination. After obtaining multiple payment scores to be selected, a comparative analysis is performed to find the lowest score as the target payment score, and the payment variable combination corresponding to the target payment score is determined. This combination is determined as the target deduction combination.

[0078] By determining variable values ​​for multiple sub-functions based on the scores to be paid and the target constraints, multiple groups of payment variable combinations are obtained, which solves the resource allocation and combination optimization problems in complex payment scenarios. By combining the usage of each deduction method to generate multiple payment variable combinations, and calculating the payment scores to be selected under multiple payment variable combinations, the target deduction combination with the lowest payment score is screened out according to the target function, and the user's final payment score is determined accordingly. This realizes the automatic selection of the lowest-cost payment plan for the user based on various constraints and deduction methods, thereby saving payment fees, avoiding the tedious process of manual selection and calculation, and improving the efficiency of payment processing.

[0079] As an optional embodiment, based on the objective function, the candidate payment scores corresponding to the multiple payment variable combinations are determined, including: for each sub-function, based on the sub-deduction score corresponding to the first variable value, the sub-deduction score corresponding to the second variable value is determined, until the sub-deduction scores corresponding to the multiple variable values ​​are determined, wherein the first variable value is the variable value of the previous stage of the second variable value; based on the objective function and the sub-deduction scores corresponding to the multiple variable values ​​of each sub-function, the candidate payment scores corresponding to the multiple payment variable combinations are determined.

[0080] In this embodiment, the specific steps of determining the candidate payment scores corresponding to the plurality of payment variable combinations according to the objective function are described.

[0081] Among them, sub-deduction points are involved, which reflect the deduction effect of a certain deduction method on the payment points. The corresponding sub-function calculates the actual deduction points based on the specific variable value.

[0082] In the steps involved in this embodiment, for each sub-function, the sub-deduction scores of the second variable value and more variable values ​​in the subsequent stage are determined in sequence according to the sub-deduction scores of the first variable value in the previous stage, until the sub-deduction scores of all stages are determined. Then, these sub-deduction scores and the objective function are used to calculate the selected payment scores corresponding to each payment variable combination.

[0083] For each payment sub-function (such as points payment or coupon payment), the sub-deduction score is calculated based on the value of the first variable. Then, based on the first variable value, the second variable value and its sub-deduction score are recursively calculated until the sub-deduction scores corresponding to all possible variable values ​​of the sub-function are generated. This ensures that the deduction effect of each deduction method is accurately quantified, thereby accurately determining the payment cost under different payment variable combinations and providing accurate data support for selecting the optimal payment solution. On this basis, the objective function and the sub-deduction scores of each sub-function under different variable values ​​are further used to calculate the candidate payment scores corresponding to multiple payment variable combinations, thereby achieving cost comparison between different payment solutions. Based on various constraints and deduction methods, the lowest-cost payment solution is automatically selected for the user, effectively saving payment fees. This greatly simplifies the payment processing process, avoids the tedious and time-consuming traditional manual selection and calculation, and significantly improves the efficiency of payment processing.

[0084] As an optional embodiment, calling sub-functions corresponding to multiple score deduction methods includes: determining a deduction complexity index based on a platform identifier and multiple score deduction methods; and calling sub-functions corresponding to multiple score deduction methods when the deduction complexity index is greater than a first predetermined threshold.

[0085] In this embodiment, specific steps for calling sub-functions corresponding to various score deduction methods are described.

[0086] Among them, the deduction complexity index is involved. This is a quantitative index used to reflect the complexity of determining the point deduction method based on the payment amount in the payment scenario. For example, in a payment scenario, if there is only one point deduction method (such as point deduction), the corresponding deduction complexity index is low.

[0087] Among them, a first predetermined threshold is involved. This first predetermined threshold is a predetermined threshold used to determine whether the complexity of the point deduction method is sufficient. Through this first predetermined threshold, it can be determined whether it is necessary to subsequently call sub-functions corresponding to multiple point deduction methods for processing. For example, for simple scenarios (such as only point deductions), if the deduction complexity index is less than the predetermined threshold, no additional calculation is required and the payment is completed directly.

[0088] In the steps involved in this embodiment, a deduction complexity index reflecting the complexity of executing the payment deduction operation is determined based on the platform identification and multiple score deduction methods. When the determined deduction complexity index exceeds a predetermined threshold, it means that the current payment deduction operation is relatively complex and requires more refined processing, then a series of sub-functions corresponding to these multiple score deduction methods are called.

[0089] By determining the deduction complexity index based on the platform identifier and the score deduction method, the complexity of the score deduction method corresponding to the current payment scenario can be accurately quantified, thereby determining whether it is necessary to call more complex processing logic. This allows for flexible determination of different target payment scores and target payment combinations for payment scenarios of varying complexity. When the deduction complexity index is low, the target payment score that the user needs to pay can be directly determined based on the current score deduction method without calling additional sub-functions, which helps avoid unnecessary calculations and resource waste. When the deduction complexity index is high, the corresponding sub-function is called to perform subsequent steps to automatically determine the optimal target payment combination and target payment score, avoiding manual intervention and manual calculations, significantly improving the efficiency and accuracy of payment processing, and maximizing user payment benefits, thereby enhancing user payment experience and satisfaction.

[0090] In addition, the system also considers the possibility of multiple platform identifications and point deduction methods, so that it can flexibly adapt to different payment scenarios and needs. With the continuous development and innovation of the deduction methods, its functions can be expanded by adding new sub-functions without the need for large-scale modification or reconstruction of the overall process, which has strong flexibility and scalability.

[0091] As an optional embodiment, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, it also includes: determining multiple payment methods of the target account; determining the deduction points corresponding to the multiple payment methods; and determining the target payment method from the multiple payment methods based on the deduction points corresponding to the multiple payment methods.

[0092] In this embodiment, the specific steps after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint condition are explained.

[0093] Among them, it involves deduction points, which are the payment methods under the target account and the corresponding points deducted during the payment process.

[0094] Among them, the target payment method is involved, which is determined based on the deduction points corresponding to multiple payment methods, and is a payment method that can minimize the user's payment cost.

[0095] The steps involved in this embodiment first determine the multiple payment methods supported by the target account. These payment methods may include but are not limited to bank card payment, third-party payment platforms, account balance payment, credit payment, etc. Next, for each payment method, the corresponding deduction points for each payment method are determined under the target payment score. Finally, based on the deduction points corresponding to the various payment methods, these payment methods are compared to determine the target payment method that minimizes the user's payment costs.

[0096] By calculating the target payment score, the optimal target deduction combination is found under various payment preferential conditions. This determines the various payment methods supported by the target account, providing a basis for further determining deduction scores and selecting payment methods. By determining the corresponding deduction scores for each payment method under the target payment score, the preferential amount for each payment method can be clarified. By quantifying the preferential level of each payment method, a basis for comparing and selecting payment methods is provided. By comparing the deduction scores of various payment methods, these methods are compared. This minimizes payment costs and ensures that users receive the maximum payment preferential treatment. Automated payment method selection improves payment efficiency and user satisfaction.

[0097] As an optional embodiment, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, it also includes: determining the security index corresponding to the target deduction combination; when the security index is greater than a second predetermined threshold, sending the first deduction combination information to the target account, wherein the first deduction combination information includes the target deduction combination and the target payment score.

[0098] In this embodiment, the specific steps after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint condition are explained.

[0099] This involves a security index, which is an indicator used to assess the payment security faced by the target deduction combination when making payments. The measurement of this security index can be based on various factors, such as the reputation of the deduction method, historical transaction records, and user behavior patterns.

[0100] This involves a second predetermined threshold, which is a pre-set threshold used to define payment security. When the target deduction combination security index is higher than the second predetermined threshold, the target deduction combination can be considered sufficiently secure and can be processed further. When the target deduction combination security index is lower than the second predetermined threshold, additional security measures may be required or the transaction may be rejected.

[0101] Among them, the first deduction combination information is involved, and the first deduction combination information is used to send to the user, including information of the target deduction combination and the target payment score.

[0102] In the steps involved in this embodiment, after determining the target payment score and the target deduction combination, a security assessment is performed on the target deduction combination to determine the security index of the target deduction combination. This security index is compared with a preset second predetermined threshold. If the security index is higher than the second predetermined threshold, then it can be considered that the target deduction combination is sufficiently secure and the next step can be performed. On the contrary, if the security index is lower than the threshold, additional security measures can be taken, or the use of the payment combination can be rejected. After confirming that the target deduction combination is sufficiently secure, that is, greater than the second predetermined threshold, the first deduction combination information containing the target deduction combination and the target payment score is sent to the target account, and the user can complete the payment operation according to the instructions after receiving this information.

[0103] After determining the target payment score and target deduction combination, a security assessment is performed on the target deduction combination. By determining the security index of the target deduction combination and comparing it with the second predetermined threshold, potential high-risk payment combinations can be identified and filtered out, reducing the risk of fraud or errors that may occur during the payment process, thereby improving the reliability and stability of the entire payment process. When the target deduction combination is greater than the second predetermined threshold, the first deduction combination information containing the target deduction combination and the target payment score is sent to the user. While ensuring the security of the user's funds, it can provide accurate and timely payment information to the user, helping the user to quickly understand and confirm the payment details, reducing the user's waiting time and operation complexity during the payment process. After receiving accurate and timely payment information, the user can complete the payment operation more smoothly, thereby enhancing the user's payment experience.

[0104] As an optional embodiment, after obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, it includes: determining the limit time for using the target deduction combination; sending the second deduction combination information to the target account, wherein the second deduction combination information includes the target deduction combination, the target payment score and the limit time.

[0105] In this embodiment, specific steps are described for obtaining a target payment score under a target deduction combination based on the score to be paid and the objective function under target constraints.

[0106] Among them, a time limit is involved, which is the validity period for using the target deduction combination to make payments. In other words, users must use the target deduction combination to complete payments within the specified time frame, otherwise the combination may become invalid or unusable.

[0107] Among them, the second deduction combination information is involved, and the second deduction combination information is used to send to the target account, including the target deduction combination, target payment score and payment information of the limit time.

[0108] In the steps involved in this embodiment, after obtaining the target payment score for the target deduction combination based on the score to be paid and the objective function under the target constraint conditions, a time limit is determined for the user to complete the payment using that deduction combination. A second deduction combination message is then sent to the user's target account. This message is a comprehensive notification containing all the key payment information the user needs to know: the target deduction combination, the target payment score, and the time limit (i.e., the deadline within which the user must complete the payment). After receiving this message, the user will clearly understand the payment combination they have selected, the amount to be paid, and the payment expiration date, and can then complete the payment operation within this time limit according to this information.

[0109] Based on the pending payment score and target constraints, a target deduction combination is determined through an objective function, avoiding manual intervention and calculations and maximizing the utilization of preferential resources through the deduction method. Determining a time limit for this target deduction combination ensures that users can complete payments within the validity period, helping to avoid the expiration and waste of preferential resources and preventing potential payment fraud. By sending users a second deduction combination message containing the target deduction combination, target payment score, and time limit, users are ensured to receive complete payment information, allowing them to complete payment operations more accurately. This allows users to make payments with a full understanding of the payment details, reducing confusion and uncertainty during the payment process, thereby increasing the payment success rate and enhancing the user's payment experience.

[0110] Based on the above embodiment and optional embodiment, an optional implementation manner is provided, which is described in detail below.

[0111] In related technologies, users are faced with a variety of ways to reduce points, and there are technical problems such as high manual calculation costs and inconvenient operations.

[0112] To address the above-mentioned problems, no effective solutions have been proposed so far.

[0113] In view of this, an optional embodiment of the present invention provides a payment score determination method and system, which can also be called a wallet payment method and system, which can effectively solve the technical problems in related technologies that users face with the diversity of score deduction methods, high manual calculation costs, and inconvenient operation.

[0114] Figure 2 is a timing diagram of a payment score determination system provided by an optional embodiment of the present invention, Figure 3 is a functional diagram of a payment score determination system provided by an optional embodiment of the present invention, Figure 4 This is a timing diagram of a payment score determination method provided by an optional embodiment of the present invention, such as Figure 2 、 Figure 3 as well as Figure 4 As shown, the following will be introduced in detail.

[0115] (1) Method for determining payment points

[0116] S1. Receive a payment request, wherein the payment request is used to request payment based on a target account and carries the platform identifier of the target platform and the score to be paid;

[0117] For example, relevant data on users, deduction methods, and promotions is collected and stored in an off-chain database. The off-chain database contains user information, deduction methods, promotions, and transaction records, and accepts payment requests initiated by users.

[0118] S2. In response to the payment request, determining multiple point deduction methods corresponding to the target account on the target platform;

[0119] For example, after a user initiates a payment request, the payment request is processed and sent to the off-chain computing module, which calculates the discount (similar to the point deduction method described above). The off-chain computing module is responsible for processing the payment request, calculating the discount, and selecting the deduction method. High-performance computing frameworks (such as Apache Spark and Apache Flink) can be used to handle large-scale data computing tasks.

[0120] S3. Calling sub-functions corresponding to various score deduction methods;

[0121] S31. Determine the deduction complexity index based on the platform identifier and various point deduction methods;

[0122] For example, using a greedy algorithm, for simple discounts, the optimal solution is directly selected, reducing unnecessary calculation steps.

[0123] S32. When the deduction complexity index is greater than a first predetermined threshold, call sub-functions corresponding to multiple score deduction methods.

[0124] For example, dynamic programming and greedy algorithms are combined to comprehensively consider various types of discounts to ensure the optimal payment selection (the same as the target payment combination mentioned above).

[0125] S4. Determine sub-function constraints corresponding to the multiple sub-functions based on the score to be paid and the payment parameters of the target account on the target platform;

[0126] S5. Determine an objective function and objective constraints corresponding to the objective function based on the multiple sub-functions, wherein the objective constraints include the multiple sub-function constraints and the deduction method constraints between the multiple score deduction methods. The objective function is used to select different deduction combinations to deduct the score to be paid, and the objective function aims to minimize the score to be paid.

[0127] S6. Based on the score to be paid and the objective function under the target constraint conditions, the target payment score under the target deduction combination is obtained.

[0128] For example, based on the preferential calculation results, the off-chain calculation module selects the optimal deduction method (the same as the target payment combination mentioned above).

[0129] Specifically, S6 also includes:

[0130] S61. Determine, based on the score to be paid, multiple variable values ​​corresponding to the multiple sub-functions under the target constraint conditions to obtain multiple payment variable combinations;

[0131] S62. Determine, based on the objective function, payment scores to be selected corresponding to the plurality of payment variable combinations;

[0132] Specifically, S62 also includes:

[0133] S621. For each sub-function, determine the sub-deduction score corresponding to the second variable value based on the sub-deduction score corresponding to the first variable value, until the sub-deduction score corresponding to the plurality of variable values ​​are determined, wherein the first variable value is the variable value of the previous stage of the second variable value;

[0134] S622. Determine the payment scores to be selected corresponding to the multiple payment variable combinations based on the objective function and the sub-deduction scores corresponding to the multiple variable values ​​of each sub-function.

[0135] S63. Determine the lowest target payment score from a plurality of payment scores to be selected;

[0136] S64. Determine the payment variable combination corresponding to the target payment score as the target deduction combination.

[0137] For example, dynamic programming can be used to implement this process. Dynamic programming can effectively handle complex preferential combinations, making it possible to calculate the optimal solution under multiple preferential thresholds. In dynamic programming, the state transition equation refers to a mathematical equation or recursive relationship that describes how the state of a problem transitions from one stage to the next. It is the core component of the dynamic programming algorithm and is used to calculate the optimal solution or optimal strategy for each stage. The details are as follows:

[0138] A1. Define status:

[0139] First, we need to define the state of the problem. The state is usually represented by one or more variables that describe the current decision-making or computational state of the problem. In the example of preferential computation, the state can be defined as:

[0140] dp[i] represents the optimal solution or optimal value at the i-th stage (or threshold).

[0141] A2. Determine the state transfer equation:

[0142] The state transition equation describes how a problem transitions from one state to the next. It calculates the state value at each stage through recursion or iteration based on the dynamic characteristics of the problem.

[0143] Typically, the state transition equation has the following form:

[0144] dp[i]=f(dp[i-1],…,other_parameters)

[0145] Among them, dp[i] is the state value at the current stage i, dp[i-1] is the state value at the previous stage i-1, other_parameters are other parameters related to state transition, and f() represents a certain correspondence.

[0146] In dynamic programming, the state transition equation can be designed based on the characteristics of the specific problem. For example, in a discount calculation, the state transition equation can be used to calculate the optimal solution for selecting the next discount combination (same as the target payment combination mentioned above) based on the currently selected discount combination and the remaining payment amount.

[0147] For example: dp[i]=max(dp[i],dp[i-coupon_amount]+coupon_value)

[0148] Where dp[i] represents the optimal discount amount for a total payment of i, coupon_amount is the amount of the coupon currently being considered, and coupon_value is the discount value offered by the coupon. The purpose of the state transition equation is to update and calculate the optimal value of the next state, dp[i - coupon_amount] + coupon_value, based on the current state dp[i].

[0149] A3. Initialization state:

[0150] Dynamic programming algorithms typically require initializing one or more state values ​​as starting conditions to begin the calculation. In discount calculations, you can initialize the state when the payment amount is 0, that is, dp[0] = 0, indicating that the payment amount is 0 when there is no discount.

[0151] A4. Recursive calculation:

[0152] By recursively or iteratively calculating the state transition equation, the optimal solution or optimal strategy for each stage is calculated in turn. A loop structure is usually used to implement the calculation of the state transition equation to ensure that the state value of each stage is correctly updated and advanced.

[0153] A5. Obtaining the optimal solution:

[0154] Finally, the dynamic programming algorithm can obtain the optimal solution or optimal strategy (the same as the above target payment score and the corresponding target deduction combination) by calculating the state value dp[i].

[0155] In discount calculation, the optimal solution can be the maximum discount amount obtained under a given payment amount, or the minimum payment amount, etc., depending on the definition of the problem.

[0156] Specifically, after S6, S71 is also included, and S71 includes:

[0157] S711. Determine multiple deduction methods for target accounts;

[0158] S712. Determine deduction points corresponding to the multiple deduction methods;

[0159] S713. Determine a target deduction method from the multiple deduction methods based on the deduction scores corresponding to the multiple deduction methods.

[0160] Specifically, after S6, S72 is also included, and S72 includes:

[0161] S721. Determine the safety index corresponding to the target deduction combination;

[0162] S722. When the security index is greater than a second predetermined threshold, send first deduction combination information to the target account, wherein the first deduction combination information includes a target deduction combination and a target payment score.

[0163] Specifically, after S6, S73 is also included, and S73 includes:

[0164] S731. Determine the time limit for using the target deduction combination;

[0165] S732. Send the second deduction combination information to the target account, wherein the second deduction combination information includes the target deduction combination, the target payment score and the limit time.

[0166] For example, after calculations are completed, the off-chain calculation module sends the optimal deduction method and discount information to the blockchain. The smart contract on the blockchain receives the results and records the transaction information, ensuring transparency and security. Next, payment execution occurs. The user confirms the deduction method, and the system completes the payment through the payment execution module. The payment execution module provides feedback to the user and updates the payment record in the off-chain database.

[0167] (2) Payment Point Determination System

[0168] The system mainly includes data collection and analysis module, personalized recommendation module, promotion management module, decision-making and execution module, real-time update and notification module, and security and privacy protection module.

[0169] Among them, the data collection and analysis module is used to collect and analyze user behavior, payment records, payment preferences and other data.

[0170] The personalized recommendation module is used to analyze the user's interests, preferences and behavior patterns based on the data provided by the data collection and analysis module, and recommend content to the user based on the analysis results.

[0171] The promotion management module is used to manage various promotions, such as discounts and coupons, monitor the execution and effectiveness of promotions, adjust promotion strategies in a timely manner, and provide statistics and analysis of promotion data.

[0172] The decision-making and execution module is used to transmit and execute payment information in real time to ensure that the system operates in accordance with the decision direction.

[0173] The real-time update and notification module is used to track and update system data in real time to ensure that users obtain the latest information. For example, various notifications are sent to users, such as order status updates, promotional event reminders, etc.

[0174] The security and privacy protection module is used to ensure the confidentiality, integrity and availability of user data, prevent data leakage and abuse, and safeguard the legitimate rights and interests of users.

[0175] For example, let's assume that User A is using a payment point determination system to pay for a purchase. User A wants to purchase an item on an e-commerce app. They open the app and add the item to their shopping cart. On the checkout page, User A chooses to pay using the payment point determination system. The system displays various payment methods, along with the option to export the payment information to other applications. User A chooses to export the payment information to their financial management application.

[0176] In this scenario, the decision-making and execution modules play a crucial role. The system first processes User A's payment information to ensure its security and accuracy. User A then chooses to export it to a financial management application. Through the decision-making and execution modules, the system transmits this payment information to User A's financial management application in real time. Within the financial management application, User A can view the purchase amount, deduction method, and purchased item information. The financial management application also automatically records this purchase, facilitating subsequent financial management and budget control for User A. Through the decision-making and execution modules, the payment point determination system exports the wallet system to other applications, enabling seamless integration and data sharing with these applications. This eliminates the need for users to switch deduction methods or manually record purchase information when using other applications, improving convenience and efficiency.

[0177] Optionally, the payment score determination system is also configured to include an aggregate payment module, a bank card activity module, a points payment module, a phone recharge module, a travel payment module, a financial management payment module, a loan payment module and a personalized preferential reward module.

[0178] Among them, the aggregate payment module is used to integrate multiple payment methods to provide users with more convenient payment options; the bank card activity module is used to display bank card promotion information and can choose the most favorable payment method; the points payment module is used to support users to use points for payment; the phone recharge module is used to provide users with phone recharge services; the travel payment module is used to support users to use wallet payment for travel payments, such as taxis, public transportation, etc.; the financial payment module is used to support users to purchase and manage financial products; the loan payment module is used to support users to borrow and repay loans; the personalized preferential reward module generates personalized preferential and reward plans in real time by monitoring users' consumption behavior and situations, providing users with a more personalized payment experience; the joint login module is used to realize the function of accessing multiple applications with one login.

[0179] The corresponding operations are adaptively adjusted according to the above modules.

[0180] Through the above optional implementation, at least the following beneficial effects can be achieved:

[0181] (1) Compared with the related art, the present invention determines the multiple score deduction methods available to the account on the target platform, calls the corresponding sub-function for each score deduction method, and determines the applicable constraints of each sub-function according to the score to be paid and the payment parameters of the target account on the target platform, thereby achieving a clear definition of the conditions for each score deduction method and ensuring that subsequent payment operations are carried out within the scope of legality and compliance. Based on multiple sub-functions, an objective function is determined. The objective function comprehensively considers the constraints of multiple sub-functions and the constraints of the deduction methods between multiple score deduction methods, thereby enhancing the stability and reliability of subsequent payment operations. Based on the full use of the constraints of multiple sub-functions and the constraints of the deduction methods, the objective function is used to automatically optimize the combination of multiple deduction methods, thereby reducing the complex operation of manual selection by users. According to the score to be paid, under the target constraint condition, the optimal target deduction combination is calculated through the objective function, and the target payment score under the combination is obtained. Under the premise of ensuring the legality and feasibility of the target payment score, the best utilization of payment resources is achieved, and the user's operational burden is reduced, thereby improving the efficiency and accuracy of payment, and further solving the technical problems in related technologies that users face high manual calculation costs and inconvenient operations due to the diversity of score deduction methods and the complexity of preferential information.

[0182] (2) Compared with the related art, the present invention determines variable values ​​for multiple sub-functions according to the scores to be paid and the target constraints, and obtains multiple groups of payment variable combinations, thereby solving the resource allocation and combination optimization problems in complex payment scenarios. By combining the usage of each deduction method to generate multiple payment variable combinations, and calculating the payment scores to be selected under the multiple payment variable combinations, the target deduction combination with the lowest payment score is screened out according to the target function, and the user's final payment score is determined accordingly. It realizes the automatic selection of the lowest-cost payment plan for the user according to various constraints and deduction methods, thereby saving payment fees, avoiding the tedious process of manual selection and calculation, and improving the efficiency of payment processing.

[0183] (3) Compared with the related art, the present invention calculates the sub-deduction score based on the first variable value for each payment sub-function (such as point payment, coupon payment), and then recursively calculates the second variable value and its sub-deduction score based on the first variable value, until the sub-deduction score corresponding to all possible variable values ​​of the sub-function is generated, ensuring that the deduction effect of each deduction method is accurately quantified, thereby achieving accurate determination of the payment cost under different payment variable combinations and providing accurate data support for selecting the optimal payment plan. On this basis, the objective function and the sub-deduction scores of each sub-function under different variable values ​​are further used to calculate the candidate payment scores corresponding to multiple payment variable combinations, thereby achieving cost comparison between different payment plans, and automatically screening out the lowest-cost payment plan for users based on various constraints and deduction methods, effectively saving payment fees. This greatly simplifies the payment processing process, avoids the tedious and time-consuming traditional manual selection and calculation, and significantly improves the efficiency of payment processing.

[0184] (4) Compared with the related art, the present invention can accurately quantify the complexity of the corresponding score deduction method in the current payment scenario by determining the deduction complexity index based on the platform identifier and the score deduction method, thereby deciding whether it is necessary to call a more complex processing logic, so that it can flexibly determine different methods of determining target payment scores and target payment combinations for payment situations of different complexities. When the deduction complexity index is low, the target payment score that the user needs to pay can be directly determined based on the current score deduction method without calling additional sub-functions, which helps to avoid unnecessary calculations and resource waste. When the deduction complexity index is high, the corresponding sub-function is called to perform subsequent steps to automatically determine the best target payment combination and target payment score, avoiding manual intervention and manual calculations, significantly improving the efficiency and accuracy of payment processing, and maximizing the user's payment discounts, thereby improving the user's payment experience and satisfaction.

[0185] (5) Compared with the related art, the present invention can identify and filter out potential high-risk payment combinations by determining the security index of the target deduction combination and comparing it with the second predetermined threshold, thereby reducing the risk of fraud or errors that may occur during the payment process, thereby improving the reliability and stability of the entire payment process. When the target deduction combination is greater than the second predetermined threshold, the first deduction combination information containing the target deduction combination and the target payment score is sent to the user, which can provide accurate and timely payment information to the user while ensuring the security of the user's funds, helping the user to quickly understand and confirm the payment details, reducing the user's waiting time and operation complexity during the payment process. After receiving accurate and timely payment information, the user can complete the payment operation more smoothly, thereby enhancing the user's payment experience.

[0186] (6) Compared with the related art, the present invention determines the target deduction combination based on the objective function according to the score to be paid and the target constraint conditions, thereby avoiding manual intervention and manual calculation, and realizing the maximum utilization of preferential resources in the deduction method. Determining the time limit of the target deduction combination ensures that the user can complete the payment within the validity period, which helps to avoid the expiration and waste of preferential resources, and also helps to prevent potential payment fraud. By sending the second deduction combination information containing the target deduction combination, the target payment score and the time limit to the user, it can ensure that the user obtains complete payment information, thereby completing the payment operation more accurately, allowing the user to make the payment operation with a full understanding of the payment details, reducing the confusion and uncertainty of the user in the payment process, thereby improving the success rate of payment, and further enhancing the user's payment experience.

[0187] It should be noted that for the aforementioned method embodiments, for simplicity of description, they are all expressed as a series of action combinations. However, those skilled in the art should be aware that the present invention is not limited by the order of the actions described, because according to the present invention, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the present invention.

[0188] Through the description of the above embodiments, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus the necessary general hardware platform, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, computer, server, or network device, etc.) to execute the methods of various embodiments of the present invention.

[0189] Example 2

[0190] According to an embodiment of the present invention, there is also provided a device for implementing the above-mentioned payment score determination method. Figure 5 is a structural block diagram of a device for determining payment points according to an embodiment of the present invention. Figure 5 As shown, the device includes: a receiving module 502, a first determining module 504, a calling module 506, a second determining module 508, a third determining module 510 and a fourth determining module 512. The device is described in detail below.

[0191] The receiving module 502 is used to receive a payment request, wherein the payment request is used to request payment based on the target account, and the payment request carries the platform identifier of the target platform and the score to be paid; the first determining module 504 is connected to the above-mentioned receiving module 502, and is used to determine the multiple score deduction methods corresponding to the target account on the target platform in response to the payment request; the calling module 506 is connected to the above-mentioned first determining module 504, and is used to call sub-functions corresponding to the multiple score deduction methods; the second determining module 508 is connected to the above-mentioned calling module 506, and is used to determine multiple sub-function deduction methods based on the score to be paid and the payment parameters of the target account on the target platform. The third determining module 510 is connected to the second determining module 508, and is used to determine the target function and the target constraint conditions corresponding to the target function based on multiple sub-functions, wherein the target constraint conditions include multiple sub-function constraints and deduction method constraints between multiple score deduction methods, and the target function is used to select different deduction combinations to deduct the scores to be paid, and the target function aims to minimize the scores to be paid; the fourth determining module 512 is connected to the third determining module 510, and is used to obtain the target payment score under the target deduction combination based on the scores to be paid and the target function under the target constraint conditions.

[0192] It should be noted here that the above-mentioned receiving module 502, first determination module 504, calling module 506, second determination module 508, third determination module 510 and fourth determination module 512 correspond to steps S102 to S112 in implementing the payment score determination method. The examples and application scenarios implemented by the multiple modules and corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned embodiment 1.

[0193] Example 3

[0194] According to another aspect of an embodiment of the present invention, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions, wherein the processor is configured to execute the instructions to implement any of the above payment score determination methods.

[0195] Example 4

[0196] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device can execute any of the above payment value determination methods.

[0197] The serial numbers of the above embodiments of the present invention are for description only and do not represent the advantages or disadvantages of the embodiments.

[0198] In the above embodiments of the present invention, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0199] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0200] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0201] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0202] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk, etc. Various media that can store program codes.

[0203] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as within the scope of protection of the present invention.

Claims

1. A method for determining payment points, characterized in that: include: receiving a payment request, wherein the payment request is used to request payment based on a target account, and the payment request carries a platform identifier of the target platform and a score to be paid; In response to the payment request, determining a plurality of point deduction methods corresponding to the target account on the target platform; Retrieve sub-functions corresponding to the multiple score deduction methods; Determining sub-function constraints corresponding to the plurality of sub-functions respectively according to the score to be paid and the payment parameters of the target account on the target platform; Determining an objective function and objective constraints corresponding to the objective function based on the multiple sub-functions, wherein the objective constraints include multiple sub-function constraints and deduction method constraints between multiple score deduction methods, the objective function is used to select different deduction combinations to deduct the score to be paid, and the objective function aims to minimize the score to be paid; According to the score to be paid and the objective function under the target constraint condition, the target payment score under the target deduction combination is obtained.

2. The method according to claim 1, characterized in that The target payment score under the target deduction combination is obtained based on the target function under the target constraint condition according to the score to be paid, including: Determining, based on the score to be paid, multiple variable values ​​corresponding to the multiple sub-functions under the target constraint condition, to obtain multiple payment variable combinations; Determining, based on the objective function, payment scores to be selected corresponding to the plurality of payment variable combinations; Determine the lowest target payment score from multiple payment scores to be selected; The payment variable combination corresponding to the target payment score is determined as the target deduction combination.

3. The method according to claim 2, characterized in that Determining the payment scores to be selected corresponding to the plurality of payment variable combinations respectively according to the objective function includes: For each sub-function, determining a sub-deduction score corresponding to a second variable value based on a sub-deduction score corresponding to a first variable value, until sub-deduction score values ​​corresponding to a plurality of variable values ​​are determined, wherein the first variable value is a variable value in the previous stage of the second variable value; Based on the objective function and the sub-deduction scores corresponding to the multiple variable values ​​of each sub-function, the candidate payment scores corresponding to the multiple payment variable combinations are determined.

4. The method according to claim 1, wherein The calling of sub-functions corresponding to the multiple score deduction methods includes: Determining a deduction complexity index based on the platform identifier and the multiple point deduction methods; When the deduction complexity index is greater than a first predetermined threshold, sub-functions corresponding to the multiple score deduction methods are called.

5. The method according to claim 1, wherein After obtaining the target payment score under the target deduction combination based on the target function under the target constraint condition based on the score to be paid, the method further includes: determining multiple payment methods for the target account; Determining deduction points corresponding to the multiple payment methods; A target payment method is determined from the multiple payment methods based on the deduction points corresponding to the multiple payment methods.

6. The method according to claim 1, characterized in that After obtaining the target payment score under the target deduction combination based on the target function under the target constraint condition based on the score to be paid, the method further includes: Determining a safety index corresponding to the target deduction combination; In a case where the security index is greater than a second predetermined threshold, first deduction combination information is sent to the target account, wherein the first deduction combination information includes a target deduction combination and the target payment score.

7. The method according to any one of claims 1 to 6, characterized in that After obtaining the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint condition, the method includes: Determine the time limit for using the target deduction combination; Sending second deduction combination information to the target account, wherein the second deduction combination information includes the target deduction combination, the target payment score and the limit time.

8. A payment score determination device, characterized in that: include: a receiving module, configured to receive a payment request, wherein the payment request is used to request payment based on a target account, and the payment request carries a platform identifier of the target platform and a score to be paid; A first determining module is configured to determine, in response to the payment request, a plurality of point deduction methods corresponding to the target account on the target platform; A calling module, used for calling sub-functions corresponding to the multiple score deduction methods; A second determining module is configured to determine sub-function constraints corresponding to the plurality of sub-functions respectively according to the score to be paid and the payment parameters of the target account on the target platform; a third determination module, configured to determine, based on the multiple sub-functions, an objective function and objective constraints corresponding to the objective function, wherein the objective constraints include multiple sub-function constraints and deduction method constraints between multiple score deduction methods, the objective function is configured to select different deduction combinations to deduct the score to be paid, and the objective function aims to minimize the score to be paid; The fourth determination module is used to obtain the target payment score under the target deduction combination based on the score to be paid and the objective function under the target constraint condition.

9. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the payment score determination method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that When the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the payment score determination method according to any one of claims 1 to 7.

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