Processing method, device, equipment and system for electronic coupons of specific services and medium

Abstract

The invention discloses a processing method, device, equipment and system for an electronic coupon of a specific service and a medium, and belongs to the technical field of payment. The method comprises the steps that after a channel side platform completes electronic coupon operation processing, electronic coupon processing information is obtained and synchronized to a business qualification management platform, electronic coupon operation processing corresponds to a specific business, and the electronic coupon processing information comprises user identity information, commodity information, merchant information and electronic coupon information; according to the to-be-audited data of the specific business uploaded by the merchant equipment, acquiring business reconciliation information associated with the to-be-audited data; and carrying out authenticity verification on the to-be-audited data based on the business reconciliation information, and dialing subsidy resources to the merchant account according to the business reconciliation information under the condition that the authenticity verification is passed. According to the embodiment of the invention, the security of a specific service for providing subsidy resources can be improved.

Description

Technical Field

[0001] This application belongs to the technical field of payment, and particularly relates to a method, device, equipment, system and medium for processing electronic vouchers for specific services. Background Art

[0002] In the payment field, there are more and more specific services that can provide subsidy resources. For example, the trade-in business in transactions, the specific commodity purchase subsidy business, etc. These specific services are usually realized by issuing electronic vouchers. Users can obtain electronic vouchers from various channel parties and use them during the transaction process. The subsidy provider will allocate the subsidy resources to the channel party that issues the electronic vouchers in advance. After the user's transaction is completed, the channel party that issues the electronic vouchers will then settle the corresponding subsidy resources to the merchant.

[0003] However, during the process of specific services, there may be criminals creating false transactions, resulting in the loss of subsidy resources and a significant decrease in the security of specific services that provide subsidy resources. Summary of the Invention

[0004] Embodiments of this application provide a method, device, equipment, system and medium for processing electronic vouchers for specific services, which can improve the security of specific services that provide subsidy resources.

[0005] In a first aspect, embodiments of this application provide a method for processing electronic vouchers for specific services, which is applied to a specific service processing platform. The method includes: after the channel party platform completes the electronic voucher operation processing, obtaining the electronic voucher processing information and synchronizing the electronic voucher processing information to the business qualification management platform. The electronic voucher operation processing corresponds to the specific service, and the electronic voucher processing information includes user identity information, commodity information, merchant information and electronic voucher information; obtaining the business reconciliation information associated with the data to be audited according to the data to be audited for the specific service uploaded by the merchant device; verifying the authenticity of the data to be audited based on the business reconciliation information, and when the authenticity verification is passed, allocating the subsidy resources to the merchant account according to the business reconciliation information.

[0006] Second aspect, an embodiment of the present application provides a method for processing electronic vouchers for a specific service, including: the channel-side platform completes the electronic voucher operation processing and sends the electronic voucher processing information to the specific service processing platform; the specific service processing platform obtains the electronic voucher processing information and synchronizes the electronic voucher processing information to the business qualification management platform. The electronic voucher operation processing corresponds to the execution of the specific service, and the electronic voucher processing information includes user identity information, commodity information, merchant information, and electronic voucher information; the specific service processing platform obtains the business reconciliation information associated with the data to be audited according to the data to be audited for the specific service uploaded by the merchant device; the specific service processing platform performs authenticity verification on the data to be audited based on the business reconciliation information, and in the case of passing the authenticity verification, allocates subsidy resources to the merchant account according to the business reconciliation information.

[0007] Third aspect, an embodiment of the present application provides a device for processing electronic vouchers for a specific service, which is applied to the specific service processing platform. The device includes: an information transmission module, configured to obtain the electronic voucher processing information after the channel-side platform completes the electronic voucher operation processing, and synchronize the electronic voucher processing information to the business qualification management platform. The electronic voucher operation processing corresponds to the execution of the specific service, and the electronic voucher processing information includes user identity information, commodity information, merchant information, and electronic voucher information; an information acquisition module, configured to obtain the business reconciliation information associated with the data to be audited according to the data to be audited for the specific service uploaded by the merchant device; a verification module, configured to perform authenticity verification on the data to be audited based on the business reconciliation information; a resource processing module, configured to allocate subsidy resources to the merchant account according to the business reconciliation information in the case of passing the authenticity verification.

[0008] Fourth aspect, an embodiment of the present application provides a device for processing electronic vouchers for a specific service, including: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for processing electronic vouchers for a specific service in the first aspect or the method for processing electronic vouchers for a specific service in the second aspect is implemented.

[0009] Fifth aspect, an embodiment of the present application provides a system for processing electronic vouchers for a specific service, including: a channel-side platform, configured to complete the electronic voucher operation processing and send the electronic voucher processing information to the specific service processing platform; a specific service processing platform, configured to obtain the electronic voucher processing information and synchronize the electronic voucher processing information to the business qualification management platform. The electronic voucher operation processing corresponds to the execution of the specific service, and the electronic voucher processing information includes user identity information, commodity information, merchant information, and electronic voucher information; and, configured to obtain the business reconciliation information associated with the data to be audited according to the data to be audited for the specific service uploaded by the merchant device; and, configured to perform authenticity verification on the data to be audited based on the business reconciliation information, and in the case of passing the authenticity verification, allocate subsidy resources to the merchant account according to the business reconciliation information.

[0010] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the processing method of the electronic coupon for a specific service in the first aspect or the processing method of the electronic coupon for a specific service in the second aspect is implemented.

[0011] In a seventh aspect, an embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, the processing method of the electronic coupon for a specific service in the first aspect or the processing method of the electronic coupon for a specific service in the second aspect is implemented.

[0012] An embodiment of the present application provides a processing method, device, equipment, system and medium for electronic coupons of a specific service. The specific service processing platform can be set to be docked with the business qualification management platform for managing the electronic coupon application qualification of the management user and the channel party platform for issuing electronic coupons, obtain the electronic coupon processing information of the channel party platform, and synchronize the electronic coupon processing information to the business qualification management platform to ensure that the specific service qualification of the user in the business qualification management platform can be updated in real time. After the user completes the transaction using the electronic coupon, the merchant can upload the to-be-reviewed data of the specific service corresponding to the electronic coupon by using the merchant device. The specific service processing platform obtains the business reconciliation information associated with the to-be-reviewed data, and verifies the authenticity of the to-be-reviewed data based on the business reconciliation information to verify the authenticity of the transaction of the specific service this time. Only when the authenticity verification passes, the subsidy resources will be allocated to the merchant account according to the business reconciliation information. The to-be-reviewed data of false transactions cannot pass the authenticity verification, thereby effectively preventing the subsidy resources from flowing to the merchant accounts of the merchants creating false transactions and improving the security of the specific service providing the subsidy resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings required to be used in the embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings without creative efforts.

[0014] Figure 1 It is a schematic diagram of an example of the application architecture of the processing method of the electronic coupon for a specific service provided by an embodiment of the present application;

[0015] Figure 2 It is a flowchart of the processing method of the electronic coupon for a specific service provided by an embodiment of the present application;

[0016] Figure 3 It is a flowchart of the processing method of the electronic coupon for a specific service provided by another embodiment of the present application;

[0017] Figure 4Flowchart of the processing method for e-vouchers of specific services provided in another embodiment of the present application;

[0018] Figure 5 Flowchart of the processing method for e-vouchers of specific services provided in yet another embodiment of the present application;

[0019] Figure 6 Logical schematic diagram of an example of the application process for e-vouchers of specific services provided in an embodiment of the present application;

[0020] Figure 7 Logical schematic diagram of an example of the usage process for e-vouchers of specific services provided in an embodiment of the present application;

[0021] Figure 8 Logical schematic diagram of an example of the allocation process for subsidy resources provided in an embodiment of the present application;

[0022] Figure 9 Structural schematic diagram of the processing device for e-vouchers of specific services provided in an embodiment of the present application;

[0023] Figure 10 Structural schematic diagram of the processing device for e-vouchers of specific services provided in an embodiment of the present application. Detailed implementation manners

[0024] The features and exemplary embodiments of various aspects of the present application will be described in detail below. To make the objectives, technical solutions, and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without some of these specific details. The following description of the embodiments is only intended to provide a better understanding of the present application by showing examples of the present application. It should be noted that the acquisition, storage, use, processing, etc. of information and data in the embodiments of the present application have obtained the authorization of users or relevant institutions, and comply with the relevant regulations of national laws and regulations.

[0025] In the payment field, there are more and more specific services that can provide subsidy resources. For example, the trade-in business and the specific commodity purchase subsidy business in transactions. These specific services are usually realized by issuing e-vouchers. Users can obtain e-vouchers from various channels and use them in the transaction process. The subsidy provider will allocate the subsidy resources to the channel party that issues the e-vouchers in advance. After the user's transaction is completed, the channel party that issues the e-vouchers will then settle the corresponding subsidy resources to the merchant. However, during the process of carrying out specific services, there may be criminals creating false transactions, resulting in the loss of subsidy resources and a significant decline in the security of specific services that provide subsidy resources.

[0026] The present application provides a method, apparatus, device, system and medium for processing electronic vouchers for specific services. A specific service processing platform can be set up, which can interact with a service qualification management platform for managing users' specific service qualifications and a channel party platform for issuing electronic vouchers, obtain the electronic voucher processing information of the channel party platform, and synchronize the electronic voucher processing information to the service qualification management platform to ensure that the specific service qualifications of users in the service qualification management platform can be updated in real time. After the user completes a transaction using the electronic voucher, the merchant can upload the to-be-reviewed data of the specific service corresponding to the electronic voucher through the merchant device. The specific service processing platform obtains the business reconciliation information associated with the to-be-reviewed data, and verifies the authenticity of the to-be-reviewed data based on the business reconciliation information to verify the authenticity of the transaction of the specific service. Only when the authenticity verification passes, will the subsidy resources be allocated to the merchant's account according to the business reconciliation information, which can effectively prevent the subsidy resources from flowing to the merchant's account of the merchant who fabricates false transactions and improve the security of the specific service that provides subsidy resources.

[0027] For the convenience of understanding, the application architecture of the method for processing electronic vouchers for specific services of the present application will be briefly introduced here. Figure 1 FIG. is a schematic diagram of an example of the application architecture of the method for processing electronic vouchers for specific services provided by an embodiment of the present application. As Figure 1 shown, the method for processing electronic vouchers for specific services provided by an embodiment of the present application may involve a user terminal 11, a merchant device 12, an acquirer platform 13, a channel party platform 14, a specific service processing platform 15 and a service qualification management platform 16.

[0028] The user terminal 11 is the terminal device of the user. The user terminal 11 may be installed with a channel party application program and / or a browser application program, etc., and can interact with the channel party platform 14. The user can apply for and use the electronic vouchers for specific services through the user terminal 11. The user terminal 11 may include, but is not limited to, a mobile phone, a tablet computer, a computer, a smart watch, a smart bracelet, etc. In the embodiment of the present application, the specific service may include a service that provides subsidy resources, such as a trade-in service, a specific commodity purchase subsidy service, etc.

[0029] The merchant device 12 is the device of the merchant. The merchant device 12 can interact with the acquirer platform 13 and the specific service processing platform 15. The merchant device 12 can interact with the acquirer platform 13 to perform transactions of specific services, and the transactions of specific services include transactions using electronic vouchers for specific services. The merchant device 12 can upload the to-be-reviewed data of the specific service to the specific service processing platform 15 so that the specific service processing platform 15 can verify the authenticity of the transaction of the specific service corresponding to the to-be-reviewed data. The types and quantities of the merchant devices 12 are not limited herein.

[0030] The acquiring platform 13 is the platform of the acquiring institution. The acquiring platform 13 interacts with the merchant device 12 and can execute transactions for specific services. The acquiring platform 13 can interact with the channel-side platform 14 to redeem the e-vouchers for specific services issued by the channel-side platform 14. The functions of the acquiring platform 13 can be implemented by one or more devices, and the types and quantities of the devices for implementing the functions of the acquiring platform 13 are not limited herein.

[0031] The channel-side platform 14 can issue e-vouchers for specific services to the user terminal 11 and redeem the e-vouchers for specific services used by the user terminal 11. The channel-side platform 14 can also send e-voucher processing information to the specific service processing platform 15 so that the specific service processing platform 15 can synchronize the specific status of the e-vouchers. The functions of the channel-side platform 14 can be implemented by one or more devices, and the types and quantities of the devices for implementing the functions of the channel-side platform 14 are not limited herein.

[0032] The specific service processing platform 15 is a unified platform that interfaces with the business qualification management platform 16. The specific service processing platform 15 can interact with the acquiring platform to provide functions such as qualification query and commodity category information confirmation to the acquiring institution. By interacting with the channel-side platform 14 and the business qualification management platform 16, the specific service processing platform 15 can obtain e-voucher processing information from the channel-side platform 14 and synchronize the e-voucher processing information to the business qualification management platform 16, so that the situation of the e-vouchers for specific services in the business qualification management platform 16 can be updated to the most accurate situation. The specific service processing platform 15 can also interact with the merchant device 12 to feedback the audit results of the data to be audited to the merchant device 12. The functions of the specific service processing platform 15 can be implemented by one or more devices, and the types and quantities of the devices for implementing the functions of the specific service processing platform 15 are not limited herein.

[0033] The business qualification management platform 16 is used to manage the qualifications of users to apply for e-vouchers for specific services, can provide a query function for such qualifications, and can also authenticate users. The business qualification management platform can belong to the party that issues subsidy resources for specific services. By interacting with the specific service processing platform 15, the business qualification management platform 16 can provide query results according to the requirements of the specific service processing platform 15 to determine whether a user has the qualification to apply for e-vouchers for specific services. The functions of the business qualification management platform 16 can be implemented by one or more devices, and the types and quantities of the devices for implementing the functions of the business qualification management platform 16 are not limited herein.

[0034] In some examples, the method for processing electronic vouchers for a specific service provided by the embodiments of the present application may further involve a specific service management platform 17. The specific service management platform 17 can be used to store and manage the transaction situations of the specific service. The transaction information of each transaction for executing the specific service can be stored in the specific service management platform. The specific service management platform 17 can interact with the specific service processing platform 15 to provide the information required for authenticity verification to the specific service processing platform 15. The functions of the specific service management platform 17 can be implemented by one or more devices, and the types and quantities of the devices for implementing the functions of the specific service management platform 17 are not limited herein.

[0035] Among them, the owner of the channel party platform 14 and the owner of the specific service processing platform 15 may be the same or different. The owner of the specific service processing platform 15 and the owner of the specific service management platform 17 may be the same.

[0036] The method, device, equipment, system and medium for processing electronic vouchers for a specific service provided by the present application will be described separately below.

[0037] The first aspect of the present application provides a method for processing electronic vouchers for a specific service, which is applied to a specific service processing platform. That is, the method for processing electronic vouchers for the specific service can be executed by the specific service processing platform. Figure 2 For the flowchart of the method for processing electronic vouchers for a specific service provided by an embodiment of the present application, as Figure 2 shown, the method for processing electronic vouchers for the specific service may include steps S201 to S203.

[0038] In step S201, after the channel party platform completes the electronic voucher operation processing, obtain the electronic voucher processing information and synchronize the electronic voucher processing information to the service eligibility management platform.

[0039] The electronic vouchers in the embodiments of the present application are electronic vouchers for specific services. For each commodity category under each specific service, the user only has the qualification to use one electronic voucher. When the user operates on the electronic vouchers for specific services, the user terminal will send the processing information of the electronic vouchers for specific services to the channel party platform so that the channel party platform can know the status of the electronic vouchers for specific services issued by itself. The electronic voucher operation processing corresponds to the specific service. In some examples, the electronic voucher operation processing includes electronic voucher cancellation processing, electronic voucher return processing, and electronic voucher expiration processing. The electronic voucher cancellation processing means that the electronic voucher is cancelled. The electronic voucher return processing means that the electronic voucher is returned, that is, the electronic voucher is not actually used. The electronic voucher expiration processing means that the electronic voucher has expired and become invalid, that is, the electronic voucher is not actually used.

[0040] The e-voucher processing information includes user identity information, product information, merchant information, and e-voucher information. The user identity information is used to identify the user. For example, the user identity information may include one or more of the following information: ID number, name, mobile phone number, etc. The product information is used to identify the product and may include one or more of the following information: product name, product category, product price, etc. The merchant information is used to identify the merchant and may include one or more of the following information: merchant code, merchant name, merchant address, etc. The e-voucher information is used to identify the e-voucher and may include one or more of the following information: e-voucher code, e-voucher category, e-voucher issuer, etc. The channel party platform will transmit the e-voucher processing information to a specific business processing platform, and then the specific business processing platform will synchronize the e-voucher processing information to the business qualification management platform, so that the business qualification management platform can obtain the latest status of the e-voucher, thereby determining the accurate e-voucher application qualification of the user. In some examples, if the owner of the channel party platform is the same as the owner of the specific business processing platform, the specific business processing platform can directly obtain the e-voucher information during the process of the channel party platform performing operations such as e-voucher cancellation, return, expiration, etc. For example, when a transaction related to e-voucher cancellation is carried out on the acquiring platform, the e-voucher processing information can be shared with the channel party platform and the specific business processing platform by associating the transaction with the owner of the channel party platform, that is, the owner of the specific business processing platform.

[0041] In step S202, according to the data to be audited for a specific business uploaded by the merchant device, obtain the business reconciliation information associated with the data to be audited.

[0042] The data to be audited may include data in the form of files, pictures, texts, etc., which is not limited here. For example, the data to be audited may include invoices, purchase receipts, etc., and the invoices and purchase receipts can be uploaded in the form of files or pictures. Order information can be obtained from the data to be audited, and by associating transactions with the order information, business reconciliation information can be obtained. Specifically, the order information can be identified from the data to be audited; according to the order information, search for the business transaction information that matches the order information from the specific business management platform as the business reconciliation information. The order information can represent an order, and the business transaction information corresponding to the order represented by the order information is the business transaction information that matches the order information, that is, the business reconciliation information can be obtained. The business reconciliation information includes the business transaction information in the actual transaction.

[0043] In some examples, the business reconciliation information includes one or more of transaction flow information, user identity information, merchant information, commodity information, and e-voucher information. For example, the data to be audited includes invoice files and purchase order receipts. The Optical Character Recognition (OCR) technology can be used to identify the user's ID number, merchant code, etc. from the invoice files. Based on the user's ID number, merchant code, etc., the e-voucher information and merchant information of the e-voucher used in the corresponding transaction can be obtained. The OCR technology can be used to identify the external order number from the purchase order receipt file. Based on the external order number, the flow information indicated by the external order number can be obtained. From this flow information, the merchant order number can be obtained, and then the transaction flow information, user identity information, merchant information, commodity information, and e-voucher information, etc. of the order indicated by the merchant order number can be obtained as the business reconciliation information.

[0044] In step S203, the data to be audited is verified for authenticity based on the business reconciliation information. If the authenticity verification is passed, the subsidy resources are transferred to the merchant account according to the business reconciliation information.

[0045] The information directly identified from the data to be audited can be compared with the business reconciliation information, and / or the information having a pointing relationship with the data to be audited can be compared with the business reconciliation. The comparison step here can be carried out in the form of reconciliation. If the information obtained based on the data to be audited can be matched one by one with the information in the business reconciliation information, it is considered that the data to be audited passes the authenticity verification, that is, the data to be audited is true and valid. After confirming that the data to be audited is true and valid, according to the transaction flow information and e-voucher information, etc. in the business reconciliation information, the subsidy resources corresponding to the transaction using the e-voucher indicated by the e-voucher information are transferred from the special subsidy account to the merchant account.

[0046] In some examples, the information on transaction factors to be audited can be obtained based on the data to be audited; the information on transaction factors to be audited is matched with the business reconciliation information; if the match is successful, the authenticity verification is passed; if the match fails, the authenticity verification is not passed. The information on transaction factors to be audited is identified from and / or indicated by the data to be audited. The information on transaction factors to be audited may include the factor information related to transactions in the data to be audited, and the information on transaction factors to be audited may include one or more of user information, order information, merchant information, transaction resource quantity information, e-voucher information, etc. Each item of the information on transaction factors to be audited needs to be matched with the business reconciliation information one by one. Only when each item of the information on transaction factors to be audited is successfully matched with the business reconciliation information is it considered that the authenticity verification is passed. When at least one item of the information on transaction factors to be audited fails to match the business reconciliation information, it is considered that the authenticity verification is not passed. In some examples, when the authenticity verification fails, a first prompt message can be sent to the merchant terminal to prompt the user to re-upload the data to be audited. In some examples, when the authenticity verification fails, a second prompt message can also be sent to prompt the auditor that there may be abnormal behaviors in the transactions corresponding to the e-vouchers of this specific business.

[0047] For example, if the data to be audited includes an invoice file and a purchase slip file, the user information, merchant information, commodity information, and transaction resource quantity information can be identified from the invoice file and the purchase slip file. According to the user identity information and commodity information identified from the invoice file, the e-voucher information of the e-voucher used by the user corresponding to the commodity category indicated by the commodity information can be obtained. The user information, merchant information, and transaction resource quantity information identified from the invoice file can be matched with the user information, merchant information, commodity information, and transaction flow information in the business reconciliation information, and the e-voucher information obtained according to the invoice file can be matched with the e-voucher information in the business reconciliation information. If the user information identified from the invoice file is consistent with the user information in the business reconciliation information, the merchant information identified from the invoice file is consistent with the merchant information in the business reconciliation information, the transaction resource quantity information identified from the invoice file is consistent with the transaction flow information in the business reconciliation information, and the e-voucher information obtained according to the invoice file is consistent with the user information in the business reconciliation information, it can be considered that the authenticity verification is passed. If at least one item of the information on transaction factors to be audited fails to match the business reconciliation information, it is considered that the authenticity verification is not passed.

[0048] In some examples, the specific business processing platform can also provide a management interface for the auditor. In response to the input of the auditor, the data to be audited and the business reconciliation information are displayed for the auditor to conduct the audit. The subsidy resources can be transferred to the merchant account after the authenticity verification is passed and the confirmation input of the auditor is received.

[0049] In an embodiment of the present application, a specific service processing platform may be set to interface with a service qualification management platform that manages the e-voucher application qualification for a specific service of a management user and a channel party platform that issues e-vouchers, obtain e-voucher processing information from the channel party platform, and synchronize the e-voucher processing information to the service qualification management platform to ensure that the specific service qualification of the user in the service qualification management platform can be updated in real time. After the user completes a transaction using the e-voucher, the merchant can upload the to-be-audited data of the specific service corresponding to the e-voucher using the merchant device. The specific service processing platform obtains business reconciliation information associated with the to-be-audited data, and verifies the authenticity of the to-be-audited data based on the business reconciliation information to verify the authenticity of the transaction of the specific service. Only when the authenticity verification passes, will the subsidy resources be allocated to the merchant's account according to the business reconciliation information. The to-be-audited data of false transactions cannot pass the authenticity verification, thus effectively preventing the subsidy resources from flowing to the merchant's account of the merchant creating false transactions and improving the security of the specific service providing the subsidy resources.

[0050] In some embodiments, the specific service processing platform may interact with the service qualification management platform to determine whether the user has the e-voucher application qualification for the specific service. Figure 3 The flowchart of the processing method of the e-voucher for the specific service provided by another embodiment of the present application Figure 3 is different from Figure 2 in that Figure 3 the processing method of the e-voucher for the specific service shown may further include steps S204 to S206.

[0051] In step S204, a query request for application qualification sent by the channel party platform in response to the user's e-voucher application request is received.

[0052] The channel party platform may receive the e-voucher application request sent by the user terminal. The e-voucher application request is used for the user to apply for receiving e-vouchers of a certain e-voucher category.

[0053] The channel party platform sends a query request for application qualification to the specific service processing platform. The query request for application qualification is used to query whether the user has the qualification to apply for e-vouchers of a certain e-voucher category. The query request for application qualification includes user identity information and e-voucher category information. The e-voucher category information may indicate the commodity category corresponding to the e-voucher, and the classification accuracy of the commodity category can be set according to scenarios, requirements, etc. For example, the e-voucher category may include home appliances, clothing, food, etc. For another example, the e-voucher category may include air conditioners, refrigerators, washing machines, mobile phones, televisions, etc.

[0054] In some examples, the query request for application qualification may further include user location information, and the user location information may indicate the geographical location where the user is located.

[0055] In step S205, a query result is obtained by querying in the business qualification management platform according to the user identity information and the e-voucher category information.

[0056] The business qualification management platform may store the allocation control information of e-vouchers of each category in each region. The specific business processing platform may initiate a query request to the business qualification management platform so that the business qualification management platform queries whether the user has the application qualification for the corresponding category of e-vouchers. The business qualification management platform may feedback the query result to the specific business processing platform. The query result indicates whether the user has the qualification to apply for the corresponding category of e-vouchers. A user has one application qualification for each category of e-vouchers, that is, if a user has already used an e-voucher of a certain category, then the user no longer has the qualification to apply for the e-voucher of that category. Further, a user has one application qualification for each category of e-vouchers in a region. It should be noted that if a user returns an e-voucher of a certain category, it is equivalent to the user not applying for the e-voucher of that category, that is, the user's one application qualification for the e-voucher of that category still exists; if an e-voucher of a certain category of a user expires and has not been used, it is equivalent to the user not applying for the e-voucher of that category, that is, the user's one application qualification for the e-voucher of that category still exists.

[0057] Through the interactive query between the specific business processing platform and the business qualification management platform, it can be strictly restricted that each user can only use one e-voucher for each category. Furthermore, it can be strictly restricted that each user can only use one e-voucher for each category in each region, thus ensuring the effectiveness and accuracy of e-voucher application.

[0058] In some examples, the business qualification management platform stores the corresponding relationship between user identity information and e-voucher information. The e-voucher information includes one or more of the redemption information of e-vouchers of each category, the expiration information of e-vouchers of each category, the applied information of e-vouchers of each category, and the return information of e-vouchers of each category. The redemption information of e-vouchers indicates that the e-vouchers have been redeemed; the expiration information of e-vouchers indicates that the e-vouchers have expired and become invalid; the applied information of e-vouchers indicates that the e-vouchers have been applied; the return information of e-vouchers indicates that the e-vouchers have been returned.

[0059] In the case where the eligibility query request and the corresponding relationship meet the eligibility conditions for claiming, the user has the eligibility to claim the e-voucher of the corresponding category. The eligibility conditions include the conditions for the user to have the eligibility to apply for the e-voucher, and the eligibility conditions can be set according to scenarios, requirements, etc., and are not limited here. For example, the eligibility conditions may include one or more of the following: the user identity information in the eligibility query request does not have the claimed information corresponding to the e-voucher category information in the eligibility query request in the corresponding relationship; the user identity information in the eligibility query request does not have the cancellation information corresponding to the e-voucher category information in the eligibility query request in the corresponding relationship; the user identity information in the eligibility query request has the expired information corresponding to the e-voucher category information in the eligibility query request in the corresponding relationship; the user identity information in the eligibility query request has the rollback information corresponding to the e-voucher category information in the eligibility query request in the corresponding relationship. That the user identity information in the eligibility query request does not have the claimed information corresponding to the e-voucher category information in the corresponding relationship means that the user indicated by the user identity information has not claimed the e-voucher of the category corresponding to the e-voucher category information. That the user identity information in the eligibility query request does not have the cancellation information corresponding to the e-voucher category information in the corresponding relationship means that the user indicated by the user identity information has not cancelled the e-voucher of the category corresponding to the e-voucher category information. That the user identity information in the eligibility query request has the expired information corresponding to the e-voucher category information in the corresponding relationship means that the e-voucher of the category corresponding to the e-voucher category information claimed by the user indicated by the user identity information has expired and become invalid. That the user identity information in the eligibility query request has the rollback information corresponding to the e-voucher category information in the corresponding relationship means that the e-voucher of the category corresponding to the e-voucher category information claimed by the user indicated by the user identity information has been rolled back. The above multiple eligibility conditions can be used alone or in combination, and are not limited here.

[0060] In step S206, the query result is fed back to the channel party platform.

[0061] In the case where the query result indicates that the user has the eligibility to claim the e-voucher of the corresponding category, the channel party platform sends the e-voucher indicated by the e-voucher claim request to the user's user terminal.

[0062] The second aspect of the present application provides a method for processing e-vouchers for a specific service, which is applied to a system for processing e-vouchers for a specific service. The method for processing e-vouchers for a specific service can be executed by each platform, user terminal, merchant device, etc. in the above embodiments. Figure 4 It is a flowchart of the method for processing e-vouchers for a specific service provided by another embodiment of the present application, as Figure 4As shown, the method for processing the electronic voucher of the specific service may include steps S301 to S304.

[0063] In step S301, the channel platform completes the electronic voucher operation processing and sends the electronic voucher processing information to the specific business processing platform.

[0064] In step S302, the specific business processing platform obtains the electronic voucher processing information and synchronizes the electronic voucher processing information to the business qualification management platform.

[0065] The electronic voucher operation process corresponds to the execution of a specific business. The electronic voucher processing information includes user identity information, product information, merchant information and electronic voucher information.

[0066] In step S303, the specific business processing platform uploads the pending data of the specific business through the merchant device, and obtains the business reconciliation information associated with the pending data.

[0067] In step S304, the specific business processing platform verifies the authenticity of the data to be reviewed based on the business reconciliation information, and if the authenticity verification passes, allocates subsidy resources to the merchant account according to the business reconciliation information.

[0068] The specific contents of the above steps S301 to S304 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0069] Figure 5 A flowchart of a method for processing an electronic voucher for a specific service provided in yet another embodiment of the present application. Figure 5 and Figure 4 The difference is that Figure 5 The method for processing electronic vouchers for a specific service shown may further include steps S305 to S309.

[0070] In step S305, the channel platform responds to the user's electronic voucher application request by sending an application qualification query request to the specific business processing platform.

[0071] The eligibility query request includes user identity information and e-voucher category information.

[0072] In step S306, the specific business processing platform initiates a query request to the business qualification management platform according to the user identity information and the electronic voucher category information.

[0073] In step S307, the business qualification management platform performs a query based on the user identity information and the electronic voucher category information, obtains the query result, and feeds back the query result to the specific business processing platform.

[0074] The query result indicates whether the user is eligible to apply for the e-voucher of the corresponding category. A user has one application eligibility for the e-voucher of each category.

[0075] In step S308, the specific service processing platform feeds back the query result to the channel-side platform.

[0076] In step S309, when the query result indicates that the user is eligible to apply for the e-voucher of the corresponding category, the channel-side platform sends the e-voucher indicated by the e-voucher application request to the user's user terminal.

[0077] For the specific content of the above steps S305 to S309, reference can be made to the relevant descriptions in the above embodiments, which will not be elaborated here.

[0078] For ease of understanding, the e-voucher processing method for the specific service provided in the embodiments of the present application is divided into three processes: the application process of the e-voucher for the specific service, the usage process of the e-voucher for the specific service, and the appropriation process of the subsidy resources, and will be described separately.

[0079] Figure 6 It is a logical schematic diagram of an example of the application process of the e-voucher for the specific service provided in the embodiments of the present application. As Figure 6 shown, the application process of the e-voucher for the specific service involves the user 41, the user entrance 42, the specific service processing platform 43, and the business eligibility management platform 44.

[0080] The operations of user 41 can be implemented by the user's user terminal. The user entry 42 can be implemented through the application of the user terminal and the channel provider platform of the channel party. For example, the channel provider platform can provide an H5 page for the user to apply for an e-voucher for a specific service through the application, guiding the user to apply for the e-voucher. The user entry 42 can provide functions such as user real-name authentication 421, e-voucher application page 422, and multiple different channel parties 423. The channel party 423 can be implemented by the channel provider platform and the application of the channel party. Multiple different channel parties 423 can all interact with the specific service processing platform 43. The specific service processing platform 43 can have functions such as channel-based record data 431, setting the e-voucher application page 432, requesting voucher issuance 433, and notifying voucher issuance 434. The business qualification management platform 44 has functions such as regional e-voucher application quota allocation control and query 441, real-name authentication 442, determination of user category e-voucher qualifications 443, verification of whether the user's e-voucher has been redeemed 444, and determination of whether the user's e-voucher has been invalidated 445. The real-name authentication 442 can perform secondary verification on the user's identity information. Through the determination of user category e-voucher qualifications 443, verification of whether the user's e-voucher has been redeemed 444, and determination of whether the user's e-voucher has been invalidated 445, it can jointly determine whether the user is eligible to apply for an e-voucher of a certain category. The specific service processing platform 43 can request the business qualification management platform 44 to confirm whether the user is eligible to apply for an e-voucher of this category. The business qualification management platform 44 can feedback the query result to the specific service processing platform 43, and the specific service processing platform 43 then feedbacks the query result to the user entry 42.

[0081] Figure 7 It is a logical schematic diagram of an example of the usage process of the e-voucher for a specific service provided by the embodiments of the present application, as Figure 7 shown, the usage process of the e-voucher for a specific service involves user 41, merchant device 45, acquirer 46, redemption channel 47, specific service processing platform 43, and business qualification management platform 44.

[0082] The operations of User 41 can be implemented by the user's user terminal. The merchant device 45 can conduct online transactions or offline transactions. The acquirer 46 can include the acquiring platforms 461 of different acquirers. The acquirer 46 can also have the function of interacting with the specific business processing platform 43 to query the user's e-voucher application eligibility 462. When a transaction is conducted on the merchant device 45, the acquirer 46 can interact with the redemption channel 47 to redeem the e-vouchers used in the transaction. The redemption channel 47 can include multiple different channel parties 471. The redemption channel 47 can synchronize the redemption information of the e-vouchers for a specific business to the specific business processing platform 43. The specific business processing platform 43 can form a data report 435 with the e-voucher redemption information, and can also synchronize the dynamic information 436 of the e-vouchers to the business eligibility management platform 44, and can provide the acquirer 46 with the functions of querying e-voucher application eligibility and confirming e-voucher category information 437. The functions of the business eligibility management platform 44 are Figure 6 substantially the same as those of the business eligibility management platform 44 shown, and will not be elaborated here.

[0083] Figure 8 It is a logical schematic diagram of an example of the appropriation process of subsidy resources provided by an embodiment of this application. As Figure 8 shown, the appropriation process of subsidy resources involves the merchant device 45, the specific business processing platform 43, and the auditor 48.

[0084] The merchant device 45 can upload data to be audited to the specific business processing platform 43. The specific business processing platform 43 can also feedback information such as the authenticity verification result to the merchant device 45. The specific business processing platform 43 can provide a web page 438, and can also provide the functions of data identification 439 and authenticity verification 4310, and can also provide a management page 4311 for the auditor 48 to use. The web page 438 can provide functions such as uploading data to be audited, viewing the verification status, and modifying the data to be audited. The data identification 439 can identify the data to be audited such as the payment order number, invoice code, invoice number, invoice date, invoice amount in the invoice and the purchase slip, and can also conduct authenticity verification of the invoice. The authenticity verification 4310 can match the data to be audited with the business reconciliation information to complete the reconciliation of the reconciliation information. The management page 4311 can display the authenticity verification result, and display the data to be audited and the business reconciliation information for the auditor 48 to facilitate the audit by the auditor 48. The auditor 48 can export the authenticity verification result, the data to be audited, the business reconciliation information, etc. from the management page 4311.

[0085] This application also provides a processing device for e-vouchers of a specific business, which is applied to the specific business processing platform. The specific content of the specific business processing platform can refer to the relevant content in the above embodiments and will not be elaborated here. Figure 9 It is a structural schematic diagram of the processing device for e-vouchers of a specific business provided by an embodiment of this application. AsFigure 9 As shown, the processing device 500 for the e-voucher of a specific service may include an information transmission module 501, an information acquisition module 502, a verification module 503, and a resource processing module 504.

[0086] The information transmission module 501 may be used to obtain e-voucher processing information after the e-voucher operation processing is completed on the channel party platform, and synchronize the e-voucher processing information to the service eligibility management platform. The e-voucher operation processing corresponds to the execution of a specific service. The e-voucher processing information includes user identity information, commodity information, merchant information, and e-voucher information.

[0087] The information acquisition module 502 may be used to obtain business reconciliation information associated with the data to be audited according to the data to be audited for a specific service uploaded by the merchant device.

[0088] The verification module 503 may be used to perform authenticity verification on the data to be audited based on the business reconciliation information.

[0089] The resource processing module 504 may be used to allocate subsidy resources to the merchant account according to the business reconciliation information in the case of passing the authenticity verification.

[0090] In some embodiments, the information acquisition module 502 may specifically be used to: identify order information from the data to be audited; according to the order information, find business transaction information matching the order information from the specific service management platform as business reconciliation information.

[0091] In some embodiments, the business reconciliation information includes one or more of transaction flow information, user identity information, merchant information, commodity information, and e-voucher information. The verification module 503 may specifically be used to: obtain information on transaction factors to be audited from the data to be audited, and the information on transaction factors to be audited is identified from and / or indicated by the data to be audited; match the information on transaction factors to be audited with the business reconciliation information; if the match is successful, the authenticity verification is passed.

[0092] In some embodiments, the information transmission module 501 may also be used to: receive a query request for application eligibility issued by the channel party platform in response to the user's e-voucher application request, and the query request for application eligibility includes user identity information and e-voucher category information; query a query result on the service eligibility management platform according to the user identity information and the e-voucher category information, and the query result indicates whether the user has the application eligibility for the corresponding category of e-vouchers, and a user has one application eligibility for each category of e-vouchers; feedback the query result to the channel party platform, wherein, in the case where the query result indicates that the user has the application eligibility for the corresponding category of e-vouchers, the channel party platform issues the e-voucher indicated by the e-voucher application request to the user's user terminal.

[0093] In some embodiments, the business qualification management platform stores the correspondence between user identity information and e-voucher information. The e-voucher information includes one or more of the redemption information of e-vouchers of each category, the expiration information of e-vouchers of each category, the claimed information of e-vouchers of each category, and the rollback information of e-vouchers of each category. If the application qualification query request and the correspondence meet the application qualification conditions, the user has the application qualification for the e-vouchers of the corresponding category.

[0094] In some examples, the application qualification conditions include one or more of the following: the user identity information in the application qualification query request does not have the claimed information corresponding to the e-voucher category information in the query request in the correspondence; the user identity information in the application qualification query request does not have the redemption information corresponding to the e-voucher category information in the query request in the correspondence; the user identity information in the application qualification query request has the expiration information corresponding to the e-voucher category information in the query request in the correspondence; the user identity information in the application qualification query request has the rollback information corresponding to the e-voucher category information in the query request in the correspondence.

[0095] In some examples, the e-voucher operation processing includes e-voucher redemption processing, e-voucher return processing, and e-voucher expiration processing.

[0096] It should be noted that the processing device 500 for the e-vouchers of this specific business is a device corresponding to the processing method for the e-vouchers of the above specific business. All implementation manners in the above method embodiments are applicable to the embodiments of this device and can also achieve the same technical effects. For specific content, reference can be made to the relevant descriptions in the above embodiments, which will not be elaborated here.

[0097] This application also provides a processing device for e-vouchers of a specific business. Figure 10 As shown in the structural schematic diagram of the processing device for e-vouchers of a specific business provided in an embodiment of this application, Figure 10 the processing device 600 for e-vouchers of a specific business includes a memory 601, a processor 602, and a computer program stored on the memory 601 and executable on the processor 602.

[0098] In some examples, the above processor 602 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of this application.

[0099] The memory 601 may include a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for processing electronic vouchers for a specific service according to an embodiment of the present application.

[0100] The processor 602 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 601, so as to implement the method for processing electronic vouchers for a specific service in the above embodiment.

[0101] In some examples, the processing device 600 for electronic vouchers for a specific service may further include a communication interface 603 and a bus 604. Among them, as Figure 10 shown, the memory 601, the processor 602, and the communication interface 603 are connected through the bus 604 and complete communication with each other.

[0102] The communication interface 603 is mainly used to implement communication between various modules, devices, units, and / or devices in the embodiments of the present application. The input device and / or output device may also be accessed through the communication interface 603.

[0103] The bus 604 includes hardware, software, or both, and couples components of the processing device 600 for electronic vouchers of a specific service to each other. By way of example and not limitation, the bus 604 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or a combination of two or more of these. Where appropriate, the bus 604 may include one or more buses. Although embodiments of the present application describe and illustrate specific buses, the present application contemplates any suitable bus or interconnect.

[0104] The present application also provides a processing system for electronic vouchers of a specific service. The processing system for electronic vouchers of a specific service may include a channel party platform and a specific service processing platform, and the channel party platform may be communicatively connected to the specific service processing platform.

[0105] The channel party platform can be used to: complete the operation processing of the electronic voucher and send the electronic voucher processing information to the specific service processing platform.

[0106] The specific service processing platform can be used to: obtain the electronic voucher processing information and synchronize the electronic voucher processing information to the service eligibility management platform. The operation processing of the electronic voucher corresponds to the execution of the specific service. The electronic voucher processing information includes user identity information, commodity information, merchant information, and electronic voucher information; obtain business reconciliation information associated with the data to be audited for the specific service uploaded by the merchant device; verify the authenticity of the data to be audited based on the business reconciliation information, and when the authenticity verification is passed, allocate subsidy resources to the merchant account according to the business reconciliation information.

[0107] In some embodiments, the processing system for the e-vouchers of the specific service may further include a service eligibility management platform.

[0108] The channel-side platform may also be used to: in response to a user's e-voucher application request, send an application eligibility query request to the specific service processing platform, where the application eligibility query request includes user identity information and e-voucher category information.

[0109] The specific service processing platform may also be used to: initiate a query request to the service eligibility management platform according to the user identity information and the e-voucher category information.

[0110] The service eligibility management platform may be used to: perform a query according to the user identity information and the e-voucher category information, obtain a query result, and feedback the query result to the specific service processing platform, where the query result indicates whether the user has the eligibility to apply for the e-vouchers of the corresponding category, and a user has one application eligibility for each category of e-vouchers.

[0111] The specific service processing platform may also be used to: feedback the query result to the channel-side platform.

[0112] The channel-side platform may also be used to: in the case where the query result indicates that the user has the eligibility to apply for the e-vouchers of the corresponding category, issue the e-vouchers indicated by the e-voucher application request to the user's user terminal.

[0113] In some embodiments, the processing system for the e-vouchers of the specific service may further include a specific service management platform.

[0114] For the specific contents of the channel-side platform, the specific service processing platform, the service eligibility management platform, and the specific service management platform in the embodiments of the present application, reference may be made to the relevant descriptions in the above embodiments, and details are not described herein again.

[0115] The present application also provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the processing method for the e-vouchers of the specific service in the above embodiments can be implemented, and the same technical effects can be achieved. To avoid repetition, details are not described herein again. Among them, the above computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disc, etc., which is not limited herein.

[0116] The present application also provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the method for processing electronic vouchers for specific services in the above embodiments and can achieve the same technical effects. To avoid repetition, details are not described herein again.

[0117] It should be clear that the various embodiments in this specification are described in a progressive manner. For the same or similar parts between the various embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. For the device embodiments, equipment embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, the relevant parts can refer to the description part of the method embodiments. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications, and additions, or change the order between steps after understanding the spirit of the present application. Also, for the sake of brevity, the detailed description of known method technologies is omitted here.

[0118] The various aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of the method, apparatus (system), and computer program product according to the embodiments of the present application. It should be understood that each block in the flowchart and / or block diagram, and the combination of blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, or other programmable data processing devices to generate a machine, such that these instructions executed by the processor of the computer or other programmable data processing devices enable the implementation of the functions / actions specified in one or more blocks of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field programmable logic circuit. It can also be understood that each block in the block diagram and / or flowchart, and the combination of blocks in the block diagram and / or flowchart, can also be implemented by dedicated hardware that performs the specified functions or actions, or by a combination of dedicated hardware and computer instructions.

[0119] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the description, and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "a" does not exclude a plurality; the terms "first" and "second" are used to label names rather than to indicate any particular order. Any reference signs in the claims should not be construed as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The fact that certain technical features appear in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for processing electronic vouchers for a specific business, characterized in that: Applied to a specific business processing platform, the method includes: After the channel platform completes the electronic voucher operation processing, the electronic voucher processing information is obtained and synchronized to the business qualification management platform. The electronic voucher operation processing corresponds to a specific business, and the electronic voucher processing information includes user identity information, product information, merchant information and electronic voucher information; According to the data to be reviewed of a specific business uploaded by the merchant device, business reconciliation information associated with the data to be reviewed is obtained; The authenticity of the data to be reviewed is verified based on the business reconciliation information. If the authenticity verification is passed, subsidy resources are allocated to the merchant account according to the business reconciliation information.

2. The method according to claim 1, characterized in that The method of uploading the pending data of a specific business through a merchant device and obtaining the business reconciliation information associated with the pending data includes: Identifying order information from the data to be reviewed; According to the order information, business transaction information matching the order information is searched from a specific business management platform as the business reconciliation information.

3. The method according to claim 1, characterized in that The business reconciliation information includes one or more of transaction flow information, user identity information, merchant information, product information, and electronic voucher information; The authenticity verification of the data to be audited based on the business reconciliation information includes: Obtaining transaction factor information to be reviewed according to the data to be reviewed, wherein the transaction factor information to be reviewed is identified from the data to be reviewed and / or indicated by the data to be reviewed; Matching the transaction factor information to be reviewed with the business reconciliation information; If the match is successful, the authenticity verification is passed.

4. The method according to claim 1, characterized in that: Also includes: Receiving an application qualification query request issued by the channel platform in response to the user's electronic voucher application request, wherein the application qualification query request includes user identity information and electronic voucher category information; A query result is obtained by querying the business qualification management platform according to the user identity information and the electronic voucher category information, wherein the query result indicates whether the user has the eligibility to apply for the electronic voucher of the corresponding category. A user has one eligibility to apply for the electronic voucher of each category; The query result is fed back to the channel platform, wherein, when the query result indicates that the user is eligible to apply for an electronic voucher of a corresponding category, the channel platform issues the electronic voucher indicated by the electronic voucher application request to the user terminal of the user.

5. The method according to claim 4, characterized in that The business qualification management platform stores the correspondence between user identity information and electronic voucher information, wherein the electronic voucher information includes one or more of the following: cancellation information of electronic vouchers of various categories, expiration information of electronic vouchers of various categories, application information of electronic vouchers of various categories, and return information of electronic vouchers of various categories; When the eligibility query request and the corresponding relationship satisfy the eligibility conditions, the user is eligible to apply for the electronic voucher of the corresponding category.

6. The method according to claim 5, characterized in that The eligibility requirements include one or more of the following: The user identity information in the application qualification query request does not have the applied information corresponding to the electronic voucher category information in the application qualification query request in the corresponding relationship; The user identity information in the application qualification query request does not have the cancellation information corresponding to the electronic voucher category information in the application qualification query request in the corresponding relationship; The user identity information in the application qualification query request has, in the corresponding relationship, expiration information corresponding to the electronic voucher category information in the application qualification query request; The user identity information in the application qualification query request has fallback information corresponding to the electronic voucher category information in the application qualification query request in the corresponding relationship.

7. The method according to claim 1, characterized in that The electronic voucher operation process includes electronic voucher cancellation process, electronic voucher return process and electronic voucher expiration process.

8. A method for processing electronic vouchers for a specific business, characterized in that: include: The channel platform completes the electronic voucher operation and sends the electronic voucher processing information to the specific business processing platform; The specific business processing platform obtains the electronic voucher processing information and synchronizes the electronic voucher processing information to the business qualification management platform, the electronic voucher operation processing corresponds to the execution of the specific business, and the electronic voucher processing information includes user identity information, product information, merchant information and electronic voucher information; The specific business processing platform obtains business reconciliation information associated with the data to be reviewed based on the data to be reviewed uploaded by the merchant device. The specific business processing platform verifies the authenticity of the data to be reviewed based on the business reconciliation information, and if the authenticity verification is passed, allocates subsidy resources to the merchant account according to the business reconciliation information.

9. The method according to claim 8, characterized in that Also includes: The channel platform sends an application qualification query request to the specific business processing platform in response to the user's electronic voucher application request, wherein the application qualification query request includes user identity information and electronic voucher category information; The specific business processing platform initiates a query request to the business qualification management platform according to the user identity information and the electronic voucher category information; The business qualification management platform performs a query based on the user identity information and the electronic voucher category information to obtain a query result, and feeds back the query result to the specific business processing platform. The query result indicates whether the user has the eligibility to apply for the electronic voucher of the corresponding category. A user has one eligibility to apply for each category of electronic voucher. The specific business processing platform feeds back the query result to the channel platform; When the query result indicates that the user is eligible to apply for the electronic voucher of the corresponding category, the channel platform sends the electronic voucher indicated by the electronic voucher application request to the user terminal of the user.

10. A device for processing electronic vouchers for a specific service, characterized in that: Applied to a specific business processing platform, the device includes: An information transmission module is used to obtain electronic voucher processing information after the channel platform completes the electronic voucher operation processing, and synchronize the electronic voucher processing information to the business qualification management platform. The electronic voucher operation processing corresponds to the execution of a specific business, and the electronic voucher processing information includes user identity information, product information, merchant information and electronic voucher information; An information acquisition module is used to upload the pending data of a specific business through a merchant device and obtain the business reconciliation information associated with the pending data; A verification module, used to verify the authenticity of the data to be reviewed based on the business reconciliation information; The resource processing module is used to allocate subsidy resources to the merchant account according to the business reconciliation information when the authenticity verification is passed.

11. A device for processing electronic vouchers for a specific service, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the method for processing electronic vouchers for a specific service as claimed in any one of claims 1 to 9 is implemented.

12. A system for processing electronic vouchers for a specific business, characterized in that: include: The channel platform is used to complete the electronic voucher operation and send the electronic voucher processing information to the specific business processing platform; The specific business processing platform is used to obtain the electronic voucher processing information and synchronize the electronic voucher processing information to the business qualification management platform, the electronic voucher operation processing corresponds to the execution of the specific business, and the electronic voucher processing information includes user identity information, product information, merchant information and electronic voucher information; and, for uploading data to be reviewed of a specific business according to the merchant device, and obtaining business reconciliation information associated with the data to be reviewed; And, it is used to verify the authenticity of the data to be reviewed based on the business reconciliation information, and when the authenticity verification is passed, allocate subsidy resources to the merchant account according to the business reconciliation information.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the method for processing electronic vouchers for a specific service as claimed in any one of claims 1 to 9.

14. A computer program product, characterized in that The invention comprises a computer program, which, when executed by a processor, implements the method for processing electronic vouchers for a specific service as claimed in any one of claims 1 to 9.

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