Requity deduction method and device based on deduction rule, equipment and medium

Abstract

The invention relates to the technical field of medical treatment and finance, and discloses a right deduction method and device based on deduction rules, equipment and a medium, and the method comprises the steps: obtaining to-be-used rights and interests and business item information corresponding to the to-be-used rights and interests, and storing the business item information corresponding to the to-be-used rights and interests in a right and interests center; based on the business item information corresponding to the to-be-used rights and interests, corresponding deduction rules are configured for business entries corresponding to the to-be-used rights and interests, and the deduction rules comprise at least one of a rights and interests screening strategy, a rights and interests deduction priority strategy and a rights and interests deduction type; in response to a calling request of a user through a target service entry, obtaining a target deduction rule corresponding to the target service entry; and matching deduction rights and interests from the rights and interests center based on the target deduction rule. Through the flexible configuration of the deduction rule, the right and interest range used by different service entrances is controlled, the repeated development work of system docking is reduced, and the technical maintenance cost is reduced.

Description

Technical Field

[0001] The present invention relates to the fields of medical and financial technology, and in particular to a method, device, equipment and medium for deducting rights and interests based on deduction rules. Background Art

[0002] The "insurance + healthcare" partnership model is a key model for corporate collaboration. Based on the business characteristics of the insurance policy model, different policies offer different medical benefits. With the increasing number of insurance policy model scenarios, the existing benefit fulfillment model is becoming increasingly complex.

[0003] Users' rights and interests inquiries and deductions are usually based on the interaction between the rights and interests center corresponding to the user's rights and interests account and the systems of different business projects. Business personnel need to maintain the rights and interests parameters of different rights and interests separately to differentiate projects. The business system connection is extremely complex and prone to errors. Summary of the Invention

[0004] The present invention provides a method, device, equipment and medium for equity deduction based on deduction rules to solve the technical problems of independent design of each equity fulfillment path, repeated docking of channel parameters, and complex and error-prone operation and maintenance.

[0005] First, a method for deducting equity based on deduction rules is provided, including:

[0006] Acquire the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center;

[0007] Based on the business project information corresponding to the equity to be used, a corresponding deduction rule is configured for the business entry corresponding to the equity to be used, wherein the deduction rule includes at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction type;

[0008] In response to a user's call request through a target business portal, obtaining a target deduction rule corresponding to the target business portal;

[0009] Match deduction rights from the rights center based on the target deduction rule.

[0010] In a second aspect, a rights deduction device based on deduction rules is provided, including:

[0011] A storage module, configured to obtain the rights to be used and business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in a rights center;

[0012] A configuration module, configured to configure corresponding deduction rules for the business entry corresponding to the equity to be used based on business project information corresponding to the equity to be used, wherein the deduction rules include at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction type;

[0013] A calling module, configured to respond to a user's calling request through a target business portal and obtain a target deduction rule corresponding to the target business portal;

[0014] A matching module is used to match deduction rights from the equity center based on the target deduction rules.

[0015] In a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the steps of the above-mentioned equity deduction method based on deduction rules are implemented.

[0016] In a fourth aspect, a computer-readable storage medium is provided, which stores a computer program. When the computer program is executed by a processor, the steps of the above-mentioned equity deduction method based on deduction rules are implemented.

[0017] In the solution implemented by the above-mentioned method, device, equipment and medium for deduction of rights based on deduction rules, by associating the rights to be used with the corresponding business project information, the corresponding issuance project information is associated in the rights issuance link, and the ownership of the rights is clarified. Further, based on the business project information corresponding to the rights to be used, deduction rules are configured for the business entry corresponding to the rights to be used. The deduction rules include at least one of the rights screening strategy, the rights deduction priority strategy and the rights deduction type. When the user uses the rights through a specific business entry, the deduction rights can be matched through the deduction rules corresponding to the business entry, thereby achieving a precise match between the business entry and the rights; and because the rights to be used have been associated with the business project information, it supports different business entries to use the rights of specific business projects. Subsequently, by configuring the deduction rules, the rights under different business projects can be distinguished, avoiding the consumption of rights across projects. There is no need to customize this function for each business project, which greatly reduces the repeated development work of system docking, reduces technical maintenance costs, and achieves independent cost accounting. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0019] Figure 1 1 is a schematic diagram of an application environment of a method for deducting rights and interests based on deduction rules in one embodiment of the present invention;

[0020] Figure 2 This is a flow chart of a method for deducting equity based on deduction rules in one embodiment of the present invention;

[0021] Figure 3 1 is a schematic diagram of the system architecture of a method for deducting equity based on deduction rules in one embodiment of the present invention;

[0022] Figure 4 It is a structural diagram of a rights and interests deduction device based on deduction rules in one embodiment of the present invention;

[0023] Figure 5 is a structural diagram of a computer device in one embodiment of the present invention;

[0024] Figure 6 FIG. 2 is another structural diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0025] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0026] As described in the background technology, the "insurance + medical" cooperation model is an important cooperation model in corporate cooperation. Based on the business characteristics of the insurance policy model, different insurance policies will issue different medical benefits. With the increasing number of insurance policy model scenarios, the existing rights fulfillment model has become more and more complicated and cannot meet various business scenarios. For example, high-end policy customers have serious illness insurance policies, annuity policies, etc., and they have multiple medical benefits issued by the policies. For example, each policy issues three famous doctor consultation benefits. The two policies have different entrances. The business side hopes to use only the benefits issued by the current project from different entrances. The use of benefits incurred at different entrances will be included in the use cost of each project. While increasing the value of the medical services attached to the insurance policy, the actual incidence rate of each insurance policy service is accurately counted, and then the cost control of each project is carried out.

[0027] However, using current medical insurance rights fulfillment solutions, all medical service fulfillment paths rely on independent user rights queries and deductions. These typically interact with the systems of different business projects based on the rights center corresponding to the user's rights account. Business personnel need to maintain the rights parameters of different rights separately to differentiate between projects. This makes business system integration extremely complex and prone to errors, which also affects user satisfaction. The existing rights fulfillment model is becoming increasingly complex and unable to meet the needs of various business scenarios. The same user may hold the same type of rights from multiple sources, but it is impossible to distinguish the rights consumption from different entry points, resulting in confusing cost statistics.

[0028] Based on this, the embodiment of the present invention provides a method for deducting equity based on deduction rules. The method for deducting equity based on deduction rules provided by the embodiment of the present invention can be applied in the following situations: Figure 1 In an application environment, the client communicates with the server through a network. The server can receive user requests through the client, call the corresponding deduction rules according to the user request, and obtain a list of available rights and interests from the rights and interests center based on the deduction rules; determine the rights and interests for this deduction in the available rights and interests list and return them to the rights and interests center, and write off the rights and interests for this deduction at the rights and interests center. In the present invention, for the rights and interests service under the insurance + medical model, by associating rights and interests with project information, deduction rules are configured for each business entry. Through the flexible configuration of deduction rules and the generalization of the verification process, each business entry only needs to call the deduction rules to complete the rights and interests matching, which greatly reduces the repeated development work of system docking and reduces the technical maintenance cost. Among them, the client can be but is not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The server can be implemented with an independent server or a server cluster composed of multiple servers. The present invention is described in detail below through specific embodiments.

[0029] See also Figure 2 As shown, Figure 2 A flowchart of a method for deducting equity based on deduction rules provided in an embodiment of the present invention includes the following steps:

[0030] S10: Acquire the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center.

[0031] Among them, business project information refers to the project source, business-related parameters, shared attributes, etc. of the rights and interests. Among them, the project source includes corporate policy rights and interests, activity rights and interests, C-end purchase rights and interests, etc. Business-related parameters include corporate ID, policy number, activity number, etc. The shared attribute indicates whether the rights and interests can be shared across projects (for example, right A is only applicable to the current policy entrance and cannot be called at other entrances). Specifically, based on the project source of the rights and interests, the project source parameters are set for the rights and interests, and synchronized to the upstream business system that issues the rights and interests to ensure accurate traceability of the source of the rights and interests.

[0032] In some embodiments, attribute information of the rights to be used is also obtained to better manage the rights to be used. Attribute information includes the ownership type of the rights, basic service information of the rights, etc. Among them, the ownership type of the rights refers to the specific business source or management unit to which the rights are divided in the system, such as the policy ownership type, activity / promotion ownership type, department ownership type, user attribute ownership type, etc., to clarify the applicable scope and function of the rights. The basic service information of the rights includes the validity period of the rights, the number of uses, and the service usage conditions.

[0033] For example, when a user purchases a critical illness insurance policy, a corresponding benefit for consulting with a renowned doctor is generated in the Benefit Center, along with associated parameters such as Project Source = Policy A, Validity Period = 12 Months, and a unique Project Source parameter, project_id = 001. When a user obtains similar benefits through membership activities, associated parameters such as Project Source = VIP Incentive, Limited Period = Permanent, and a unique Project Source parameter, project_id = 000, are generated.

[0034] The rights and interests in the embodiments of the present application can be used for medical rights in the medical field or financial rights and interests in the financial field. Medical rights and interests may include consultations with famous doctors, family doctors, physical examination services, registration and accompanying doctors, postoperative care, etc.; financial rights and interests may include savings accounts, installment loans, management funds, quick claims, etc. The rights and interests deduction method based on deduction rules provided by the present invention can be applied to rights and interests deduction platforms in various application scenarios. The rights and interests deduction platform is usually implemented through a server that can receive user operations in real time. For example, in the medical field, a user has a consultation right issued by platform A. The user wants to deduct the rights and interests through the consultation interface of platform A. By selecting the right type in the consultation interface, the user obtains a list of available rights and interests of platform A. The user selects the right and interests deduction from the list of available rights and interests and then conducts the consultation. For another example, in the financial field, a user obtains the right of quick claims settlement through activity incentives. When the user needs to use this right, he triggers the right of quick claims settlement through the corresponding business portal and uses the right of quick claims settlement.

[0035] S20: Based on the business project information corresponding to the equity to be used, a corresponding deduction rule is configured for the business entry corresponding to the equity to be used.

[0036] Since the same user may hold the same type of equity in multiple business projects, it is impossible to distinguish the equity consumption of different entrances, resulting in confusion in cost statistics. Therefore, the embodiment of the present application configures deduction rules for different business entrances. When users enter the equity deduction interface through different business entrances, they can match the equity to be used corresponding to the business entrance with the deduction rules corresponding to the business entrance.

[0037] At the same time, by associating the deduction rules with the business project information, you can associate the business entrance with the business project information. For example, configure deduction rule A for business entrance A, the associated project source of deduction rule A is insurance policy A, the associated attribution type is famous doctor consultation, etc.; configure deduction rule B for business entrance B, and the associated project source of deduction rule B is VIP incentives.

[0038] Benefits are then matched based on the benefits granted by the business item information, the benefit screening strategy, the benefit deduction priority strategy, and the benefit deduction method. For example, a deduction rule is configured for the consultation portal of policy A. This deduction rule first associates policy item A, then matches the consultation-type medical benefits granted by policy item A based on the benefit screening strategy. The selected benefits are then sorted using the benefit deduction priority strategy, and finally the benefits are deducted using the benefit deduction method.

[0039] In some embodiments, independent deduction rules are configured for different business portals. Multiple business portals corresponding to the same equity use these independent deduction rules to isolate equity usage, with each business portal consuming only the equity from its associated project. In other words, the deduction rules corresponding to each business portal can only use the equity granted under that business. For example, the deduction component of business portal A will only match the equity granted under the project associated with business portal A and will not match the equity granted under other projects.

[0040] In other embodiments, independent deduction rules are configured for different business entrances, wherein the deduction rules of some business entrances limit the use of rights and interests associated with different entrances, and the deduction rules of some business entrances limit the use of rights and interests associated with the business entrance. For example, a first deduction rule is configured for the first business entrance, and the first deduction rule limits the use of rights and interests associated with the first entrance; a second deduction rule is configured for the second business entrance, and the second deduction rule is associated with rights and interests corresponding to multiple projects. For example, a life insurance company purchases a medical rights and interests package for customers with serious illness policies, and the system first issues the benefits of famous doctor consultations. At the same time, life insurance VIP customers also obtain the benefits of famous doctor consultations through membership incentives. In the embedded rights and interests entrance of the policy, the business requires the use of only the rights and interests issued by the current policy, while in the special area entrance of the VIP project, it is necessary to support the priority consumption of the rights and interests of the special area incentives, and the rights and interests of other projects can also be displayed later. Two precise deduction component keys can be applied, key1 is associated with the consultation service in the policy project, and key2 is associated with the consultation service of all projects, but the rights and interests of the VIP project are set to be displayed first.

[0041] In the embodiment of the present application, through the flexible configuration of the deduction rules, the scope of rights and interests used in different fulfillment services is controlled to support the expansion of various business scenarios.

[0042] S30: In response to the user's call request through the target business entrance, obtain the target deduction rules corresponding to the target business entrance.

[0043] In some embodiments, a user trigger operation triggers a patient selection interface. After the user selects the patient, a benefit type selection interface is triggered. The benefit type selection interface includes multiple benefit types, such as text-based consultation, audio-visual consultation, and preferred doctor. Each benefit type corresponds to different benefit amounts and expiration dates. In response to the user selecting the corresponding benefit type, the corresponding target deduction rule is invoked.

[0044] In some embodiments, after a user obtains rights and interests through various channels, when the rights and interests are issued to the user's rights and interests account, the project source parameters of the user's rights and interests are identified; the project source parameters are associated with the user's rights and interests account to distinguish the rights and interests issued by different business projects.

[0045] S40: Match deduction rights from the equity center based on the target deduction rules.

[0046] In some embodiments, some portals allow for a large number of rights to be used. The business side needs to specify which projects' rights to use and establish the order in which the rights are displayed and consumed. Specifically, the rights in the rights center are filtered based on the rights screening strategy; the filtered rights are sorted based on the rights deduction priority rules to obtain a sorted list of available rights; and the rights in the available rights list are deducted based on the rights deduction method.

[0047] Among them, the rights screening strategy includes at least one of the following: enterprise ID, contract ID, exclusive business identifier, fulfillment channel, card number, card number, transaction order number, and patient information;

[0048] The embodiment of the present application introduces the priority of rights and interests. When there are multiple available rights and interests in the rights and interests center that meet the target rights and interests screening strategy corresponding to the target deduction component, the priorities of the multiple available rights and interests are sorted based on the preset rights and interests deduction priority rules.

[0049] Among them, the preset priority rules include at least one of the following: corporate rights, corporate ID, contract rights, exclusive label rights, issuance channel, card number, card number, service ID, rights ID, and rights expiration time.

[0050] For example, if the default priority rule is the expiration date of a stake, the available stakes determined based on the stake screening strategy include stakes A, B, C, and D. Stake B expires in 7 days, and stake D expires in 30 days. Stakes A and C are valid forever, meaning they have no expiration date. In this case, the display order in the target stake list is stake B - stake D. Stakes A and C can be sorted based on another priority rule, such as stake ID. For example, if stake C's stake ID comes before stake A's, stake C will be displayed first. In other words, the stakes in the target stake list will be displayed in the following order: stake B - stake D - stake A - stake C.

[0051] In some embodiments, if the same benefit is associated with multiple project information, the target ownership of the benefit is determined based on the project information associated with the deduction rule corresponding to the business entry.

[0052] For example, equity A is associated with Project A and Project B. If the deduction rule is associated with Project A, then equity A belongs to Project A; if the deduction rule is associated with Project B, then equity A belongs to Project B.

[0053] The embodiments of the present application also introduce a method of deducting rights and interests, including a silent deduction method and a visual deduction method. Among them, the silent deduction method means that there is no need for user selection. When the user enters the rights and interests deduction interface, the deduction rights and interests are directly determined by the deduction rules, and the user enters the usage interface corresponding to the rights and interests. The visual deduction method means that after the deduction rights and interests are determined by the deduction rules, the selectable rights and interests are displayed on the rights and interests selection interface, and the user triggers the selection operation to select the deduction rights and interests. In some embodiments, after entering the silent deduction, if the user is not satisfied with the deduction rights and interests of the silent deduction, he or she can reselect the deduction rights and interests for use through the return operation or cancellation operation.

[0054] In the embodiment of the present application, the equity screening strategy, equity deduction priority strategy, and equity deduction method associated with each deduction rule are pre-configured by business personnel in the background. Different screening strategies can be configured for different business entrances based on different business needs. Furthermore, the deduction rules in the embodiment of the present application support dynamic configuration, that is, business personnel can modify the screening strategy of the deduction component in real time in the background. The dynamically adjusted configuration takes effect immediately after modification, without waiting for system restart or additional development intervention.

[0055] In one embodiment, the deduction rules corresponding to different business entrances are dynamically adjusted based on the user's historical behavior data by obtaining the user's historical behavior data. For example, after the deduction rights are determined based on the deduction rules, if the deduction rights selected by the user are not the highest priority rights, the deduction rules are reset based on the deduction rights selected by the user.

[0056] It can be seen that in the above scheme, by associating the rights to be used with the corresponding business project information, the corresponding issuance project information is associated in the rights issuance link, and the ownership of the rights is clarified. Further, based on the business project information corresponding to the rights to be used, the deduction rules are configured for the business entry corresponding to the rights to be used. The deduction rules include at least one of the rights screening strategy, the rights deduction priority strategy and the rights deduction type. When the user uses the rights through a specific business entry, the deduction rights can be matched through the deduction rules corresponding to the business entry, realizing the precise matching of the business entry and the rights; and because the rights to be used have been associated with the business project information, it supports different business entries to use the rights of specific business projects. Subsequently, by configuring the deduction rules, the rights under different business projects can be distinguished, avoiding the consumption of rights across projects. There is no need to customize this function for each business project, which greatly reduces the repeated development work of system docking, reduces technical maintenance costs, and realizes independent cost accounting.

[0057] The following combination Figure 2 A complete description of the equity deduction method based on the deduction rules provided in the embodiment of this application is given as follows: Figure 2 As shown, a system architecture diagram of the equity deduction method based on deduction rules provided in an embodiment of the present application is provided, and the specific description is as follows:

[0058] During the rights issuance phase, the rights center links the various rights obtained by the user and their corresponding project information and attribute information. That is, the rights center records the rights ownership type, basic service information, ownership project information, ownership channel information, etc. of each right (family doctor, physical examination rights, registration and accompanying, postoperative care, etc.). Deduction rules are designed to link project information and rights information through deduction rules, and rights screening strategies, rights priority rules, and rights deduction methods are designed. When a user needs to use rights, the rights are matched to the rights in the rights center through the deduction rules corresponding to the user's business entrance. The rights deduction interface will display the rights available to the user, and the user can make unconscious deductions by selecting rights.

[0059] In the embodiment of the present application, different business scenarios are supported. The scope of rights and interests used by different fulfillment services can be controlled through flexible configuration of deduction rules, supporting the expansion of various business scenarios. Each fulfillment service has a unified standard, and uses fixed deduction rules to query and return rights and interests, and is equipped with a universal front-end pop-up component style. There is no need to customize this function separately, and efficiency is greatly improved. Using the current rights and interests precise deduction mode, the business can configure it from the background, and it will take effect on the rights and interests after maintenance without special instructions, which is in line with user habits and improves user experience.

[0060] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0061] In one embodiment, a rights and interests deduction device based on deduction rules is provided, and the rights and interests deduction device based on deduction rules corresponds one-to-one with the rights and interests deduction method based on deduction rules in the above embodiment. Figure 3 As shown, the equity deduction device based on deduction rules includes a storage module 101, a configuration module block 102, a call module 103, a matching module 104, and an adjustment module 105. The functional modules are described in detail as follows:

[0062] The storage module 101 is used to obtain the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center;

[0063] Configuration module 102, configured to configure corresponding deduction rules for the business entry corresponding to the equity to be used based on business project information corresponding to the equity to be used, wherein the deduction rules include at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction type;

[0064] The calling module 103 is configured to obtain the target deduction rules corresponding to the target business entrance in response to a user's calling request through the target business entrance;

[0065] The matching module 104 is configured to match deduction rights from the rights center based on the target deduction rule.

[0066] In some embodiments, the matching module 104 is specifically used to screen the interests in the interest center based on the interest screening strategy; sort the screened interests based on the interest deduction priority rule to obtain a sorted list of available interests; and deduct the interests in the available interest list based on the interest deduction method.

[0067] In some embodiments, the equity deduction method is a silent deduction type, and the matching module 104 is specifically configured to use the available equity with the highest priority in the available equity list as the deduction equity.

[0068] In some embodiments, the equity deduction method is a visual deduction type, and the matching module 104 is specifically used to display the available equity list on the equity selection interface; in response to the user's selection operation on the available equity list, the available equity corresponding to the selection operation is used as the deduction equity.

[0069] In some embodiments, the business project information includes project source parameters, and the project source parameters of the different rights to be acquired are the same as the project parameters of the business system that issues the rights to be acquired.

[0070] In some embodiments, the rights screening strategy includes at least one of the following: enterprise ID, contract ID, exclusive business identifier, fulfillment channel, card number, card number, transaction order number, and patient information;

[0071] The priority rule for deducting benefits includes at least one of the following: corporate benefits, corporate ID, contract benefits, exclusive label benefits, issuance channel, card number, card number, service ID, benefit ID, and benefit expiration time.

[0072] In some embodiments, the adjustment module 105 is used to obtain user historical behavior data; and dynamically adjust the deduction rules corresponding to different business entrances based on the user historical behavior data.

[0073] The present invention provides a rights deduction device based on deduction rules, which integrates the project information corresponding to different rights through the rights center, realizes the association between rights and project information, can distinguish the project sources corresponding to each right, clarify the ownership of the rights, and avoid cross-project consumption of rights. Further, deduction rules are configured for different business entrances, and the user's available rights list is queried through the deduction rules. When the user uses a specific business entrance, the corresponding rights can be obtained by calling the deduction rules bound to the entrance, realizing accurate matching of the entrance and the rights. There is no need to customize this function for each business. Through the flexible configuration of the deduction rules, the rights range used by different business entrances is controlled, which greatly reduces the repeated development work of system docking, reduces the technical maintenance cost, and realizes independent cost accounting.

[0074] For the specific definition of the equity deduction device based on the deduction rules, please refer to the definition of the equity deduction method based on the deduction rules above, which will not be repeated here. The various modules in the above-mentioned equity deduction device based on the deduction rules can be implemented in whole or in part by software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0075] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When the computer program is executed by the processor, it realizes the functions or steps on the service side of a rights deduction method based on deduction rules.

[0076] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 5As shown. The computer device includes a processor, memory, network interface, display screen and input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the client side of a method for deduction of rights based on deduction rules.

[0077] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the following steps are performed:

[0078] Acquire the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center;

[0079] Based on the business project information corresponding to the equity to be used, a corresponding deduction rule is configured for the business entry corresponding to the equity to be used, wherein the deduction rule includes at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction method;

[0080] In response to a user's call request through a target business portal, obtaining a target deduction rule corresponding to the target business portal;

[0081] Match deduction rights from the rights center based on the target deduction rule.

[0082] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0083] Acquire the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center;

[0084] Based on the business project information corresponding to the equity to be used, a corresponding deduction rule is configured for the business entry corresponding to the equity to be used, wherein the deduction rule includes at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction method;

[0085] In response to a user's call request through a target business portal, obtaining a target deduction rule corresponding to the target business portal;

[0086] Match deduction rights from the rights center based on the target deduction rule.

[0087] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can be found in the relevant descriptions of the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0088] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0089] Those skilled in the art will clearly understand that for the sake of convenience and brevity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0090] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A method for equity deduction based on deduction rules, characterized in that: include: Acquire the rights to be used and the business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in the rights center; Based on the business project information corresponding to the equity to be used, a corresponding deduction rule is configured for the business entry corresponding to the equity to be used, wherein the deduction rule includes at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction method; In response to a user's call request through a target business portal, obtaining a target deduction rule corresponding to the target business portal; Match deduction rights from the rights center based on the target deduction rule.

2. The method according to claim 1, characterized in that The matching of deducting rights from the rights center based on the target deduction rule includes: Screening the interests in the equity center based on the equity screening strategy; Sort the filtered interests based on the equity deduction priority rule to obtain a sorted list of available interests; The benefits in the available benefits list are deducted based on the benefits deduction method.

3. The method according to claim 2, characterized in that The equity deduction method is a silent deduction type, and the deduction of the equity in the available equity list based on the equity deduction method includes: The available interest with the highest priority in the available interest list is used as the deduction interest.

4. The method according to claim 2, characterized in that The equity deduction method is a visual deduction type, and the deduction of the equity in the available equity list based on the equity deduction method includes: Display the list of available benefits on the benefit selection interface; In response to a user's selection operation on the available benefits list, the available benefits corresponding to the selection operation are used as deduction benefits.

5. The method according to claim 1, wherein The business project information includes project source parameters, and the project source parameters of the rights to be used are the same as the project parameters of the business system that issues the rights to be used.

6. The method according to any one of claims 1 to 5, characterized in that The rights screening strategy includes at least one of the following: enterprise ID, contract ID, exclusive business identifier, fulfillment channel, card number, card serial number, transaction order number, and patient information; The priority rule for deducting benefits includes at least one of the following: corporate benefits, corporate ID, contract benefits, exclusive label benefits, issuance channel, card number, card number, service ID, benefit ID, and benefit expiration time.

7. The method according to claim 1, characterized in that The method further comprises: Obtain user historical behavior data; Dynamically adjust the deduction rules corresponding to different business entrances based on the user's historical behavior data.

8. A rights deduction device based on deduction rules, characterized in that: include: A storage module, configured to obtain the rights to be used and business project information corresponding to the rights to be used, and store the business project information corresponding to the rights to be used in a rights center; A configuration module, configured to configure corresponding deduction rules for the business entry corresponding to the equity to be used based on business project information corresponding to the equity to be used, wherein the deduction rules include at least one of an equity screening strategy, an equity deduction priority strategy, and an equity deduction type; A calling module, configured to respond to a user's calling request through a target business portal and obtain a target deduction rule corresponding to the target business portal; A matching module is used to match deduction rights from the equity center based on the target deduction rules.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the equity deduction method based on deduction rules as described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the equity deduction method based on deduction rules as claimed in any one of claims 1 to 7 are implemented.

Images