Business processing method and device, electronic equipment, storage medium and program product

Abstract

The invention provides a business processing method and device, electronic equipment, a storage medium and a program product, relates to the technical field of information, and can improve the business processing efficiency. According to the specific technical scheme, the method comprises the steps that a server receives a service renewal request from a user terminal, and when a user identifier is matched with a user identifier in a renewal white list, basic information of a user is acquired from a target database to generate evaluation information page data and return the evaluation information page data to the user terminal; after a submission instruction for the basic information is received, consistency verification is carried out based on the auxiliary verification information, and after the consistency verification is passed, evaluation information of the user is processed through a risk evaluation model to obtain a renewal risk score; and if the renewal risk score is lower than a preset risk score threshold, generating a service renewal protocol based on the service parameters, sending the service renewal protocol to the user terminal, and after a confirmation instruction of the user terminal for the service renewal protocol is received, activating the renewal service and updating the service state to be renewed. The method is used for business processing.

Description

Technical Field

[0001] This application relates to the field of information technology, and in particular to a business processing method, apparatus, electronic device, storage medium, and program product. Background Technology

[0002] Currently, providing users with resource allocation (such as service renewal) or subscription services has become the core model for service providers.

[0003] In related technologies, during the business renewal process, users typically need to complete the renewal procedures offline. This process usually involves filling out relevant information or providing a large amount of paper documents. For example, when processing a user's application, they need to personally visit a service center to submit the application and provide numerous paper materials, making the entire process cumbersome and time-consuming. This results in a cumbersome and inefficient business processing workflow. Summary of the Invention

[0004] This application provides a business processing method, apparatus, electronic device, storage medium, and program product that can improve business processing efficiency.

[0005] Firstly, a business processing method is provided, comprising: a server receiving a business renewal request from a user terminal, the business renewal request including the user's user identifier and business parameters of the renewal business; if the server determines that the user identifier matches a user identifier in a renewal whitelist, in response to the business renewal request, the server retrieves the user's basic information from a target database to generate evaluation information page data and returns it to the user terminal, the information page data being used to render the evaluation information page on the user terminal; the renewal whitelist includes the user identifier of at least one user eligible for renewal; after receiving a submission instruction from the user terminal regarding the basic information in its evaluation information page, the server... Based on auxiliary verification information obtained from the target data platform, the basic information is verified for consistency. After the consistency verification is passed, the user's assessment information is obtained from the target database. The assessment information is processed through a risk assessment model to obtain a renewal risk score. The assessment information includes the user's historical business information, historical performance information, and historical behavior data. If the renewal risk score is lower than the preset risk score threshold, the server generates a business renewal agreement based on the business parameters and sends the business renewal agreement to the user terminal. After receiving the confirmation instruction for the business renewal agreement sent from the user terminal, the server activates the renewal business and updates the user's business status record to "renewed".

[0006] The business processing method provided in this application involves a server receiving a business renewal request from a user terminal and verifying the matching of the user identifier with the renewal whitelist. The server automatically retrieves basic user information from the target database and generates an assessment information page. Upon receiving a user submission instruction, the server collaborates with an external data platform to verify information consistency. Based on the verification results, the server obtains the user's historical business information, performance information, and behavioral data, inputting them into a risk assessment model to obtain a renewal risk score. For requests that meet the score, a business renewal agreement is automatically generated and issued. Finally, upon receiving user confirmation, the renewal service is activated and the business status is updated. Thus, by constructing an online business renewal system that integrates a whitelist as a trigger mechanism, internal and external data collaborative verification, and automated risk assessment, the system achieves fully automated processing from business initiation, identity verification, risk assessment to agreement signing and business activation. This significantly simplifies the business processing flow, improves the execution efficiency and accuracy of business renewal, ensures the continuity and stability of business resources, and effectively reduces business operation risks through systematic risk control.

[0007] In one possible implementation of the first aspect, after the server receives the confirmation instruction for the service renewal agreement sent from the user terminal, the method further includes: the server obtaining the user's service status record from the target database, and determining whether the user has any unresolved historical services of the same type as the renewal service based on the service status record; if there are unresolved historical services related to the renewal service, the server triggers the service liquidation process for the historical services; after the service liquidation process is completed, the server terminates the user's historical services.

[0008] In this embodiment of the application, by executing the settlement process of historical business, the accurate settlement and standardized management of business are ensured through automated settlement processing in the business scenario, thereby ensuring the accurate transition of business status, avoiding abnormal business information caused by state confusion, and thus improving the stability and reliability of business processing.

[0009] In another possible implementation of the first aspect, the server triggers a business liquidation process for historical services, including: the server generating a liquidation instruction based on the business status record of the historical services and sending it to the business liquidation system; after receiving a liquidation success notification from the business liquidation system, the server records the liquidation completion status; if no liquidation success notification is received within a preset time, a liquidation status query notification is sent to the user terminal and the subsequent renewal service activation process is suspended.

[0010] In this embodiment of the application, by executing a business settlement process and suspending the activation of renewal services if the business settlement process fails, a smooth transition between old and new services is ensured, business conflicts are avoided, and the reliability of the system and user experience are improved.

[0011] In another possible implementation of the first aspect, the method further includes: the server receiving an approved initial user list, the initial user list including at least one user identifier and at least one user's business-related information; the server automatically filtering the initial user list based on a pre-configured set of admission rules, the set of admission rules including the user's historical performance behavior and the remaining validity period threshold of the business; and the server adding the user identifier that meets the set of admission rules to the renewal whitelist.

[0012] In this embodiment, multi-dimensional rule filtering ensures that only eligible users can enter the renewal process, improving the targeting and effectiveness of business processing and thus enhancing its accuracy. Strict access review effectively filters out risky users, reducing potential losses during the renewal process. Precise user screening avoids invalid processing of ineligible users, saving system computing and storage resources.

[0013] In another possible implementation of the first aspect, before the server receives a service renewal request from the user terminal, the method further includes: the server obtaining the expiration date information of the historical services of at least one renewable user in the renewal whitelist; the server determining a target user among the at least one renewable user whose historical service expiration date and the current date have a time difference of less than a time threshold; the server sending a service expiration reminder and interface control instructions to the target user's user terminal; wherein the service expiration reminder is used to remind the user that the historical service is about to expire, and the interface control instructions are used to control the user terminal to display the service renewal application entry.

[0014] In this embodiment, accurate expiration identification and timely reminder services effectively prevent business interruptions caused by users forgetting, significantly improving the business renewal completion rate. The renewal entry is directly displayed through interface control commands, reducing the steps users need to find functional modules and providing a more convenient service experience. Furthermore, the multi-level threshold mechanism provides differentiated reminder strategies for businesses with different levels of urgency, reflecting the refinement and intelligence of the service.

[0015] In another possible implementation of the first aspect, before performing consistency verification on the basic information based on the auxiliary verification information obtained from the target data platform, the method further includes: the server initiating a query request to the application programming interface of the target data platform, the query request being used to query the user's auxiliary verification information, the auxiliary verification information including qualification information or resource quota information; the server receiving a response message sent by the target data platform, the response message including the auxiliary verification information.

[0016] In this embodiment of the application, by accessing a credible target data platform, the reliability and authority of the verification data source are ensured. Through standardized data acquisition and processing procedures, the accuracy and consistency of the auxiliary verification information are ensured, providing a reliable basis for business decisions.

[0017] In another possible implementation of the first aspect, the assessment information is processed through a risk assessment model to obtain a renewal risk score, including: the server performs behavioral pattern analysis based on historical behavioral data to obtain behavioral pattern information; the server inputs the behavioral pattern information, historical business information, and historical performance information into the risk assessment model to calculate the renewal risk and obtain a renewal risk score.

[0018] In this embodiment, through multi-dimensional data analysis and machine learning algorithms, accurate assessment and prediction of user risk are achieved. Through in-depth feature mining such as behavioral pattern analysis, potential risk factors that are difficult to discover by traditional methods can be identified. Furthermore, through quantitative risk scoring and detailed analysis, more scientific and reliable support is provided for business decision-making.

[0019] In another possible implementation of the first aspect, the risk assessment model is a machine learning model, which is trained using a training dataset that includes historical user business data, performance records, and corresponding business renewal results.

[0020] In this embodiment, a risk assessment model is trained using a training dataset based on historical user business data, performance records, and corresponding business renewal results, thereby improving the accuracy of the model's processing.

[0021] In another possible implementation of the first aspect, the server generates a business renewal agreement based on business parameters and sends the business renewal agreement to the user terminal, including: the server generating a business renewal agreement containing an electronic signature verification area based on a preset business agreement template and business parameters of the renewal business; and the server sending the business renewal agreement to the user terminal in a structured data format.

[0022] In this embodiment of the application, the standardization of the agreement is ensured by judging the user's risk score and generating a business renewal agreement with an electronic signature through a standardized agreement template if the risk score meets the requirements.

[0023] Secondly, a service processing apparatus is provided, comprising: a receiving module, a processing module, and a sending module, wherein: the receiving module is configured to receive a service renewal request from a user terminal, the service renewal request including the user's user identifier and service parameters for the renewed service; the processing module is configured to, upon determining that the user identifier matches a user identifier in a renewal whitelist, respond to the service renewal request by retrieving the user's basic information from a target database to generate evaluation information page data and return it to the user terminal, the information page data being used to render the evaluation information page on the user terminal; the renewal whitelist includes the user identifier of at least one user eligible for renewal; the processing module is further configured to, upon receiving the evaluation information page sent by the user terminal, retrieve the user's basic information from a target database to generate evaluation information page data and return it to the user terminal, the information page data being used to render the evaluation information page on the user terminal; the renewal whitelist includes the user identifier of at least one user eligible for renewal; the processing module is further configured to, upon receiving the evaluation information page sent by the user terminal, retrieve the user's basic information from a target database to generate evaluation information page data for the user terminal. After the information submission instruction is received, the basic information is verified for consistency based on auxiliary verification information obtained from the target data platform. After the consistency verification is passed, the user's assessment information is obtained from the target database. The assessment information is then processed through a risk assessment model to obtain a renewal risk score. The assessment information includes the user's historical business information, historical performance information, and historical behavior data. The processing module is also used to generate a business renewal agreement based on business parameters if the renewal risk score is lower than a preset risk score threshold. The sending module is used to send the business renewal agreement to the user terminal. The processing module is also used to activate the renewal service and update the user's business status record to "renewed" after receiving a confirmation instruction for the business renewal agreement from the user terminal.

[0024] Thirdly, an electronic device is provided, the method comprising: a memory and at least one processor. The memory is communicatively connected to the processor. The memory is used to store computer program code, the computer program code including computer instructions. When the processor executes the computer instructions, it causes the electronic device to perform the method of the first aspect and any possible implementation thereof.

[0025] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer instructions. When these computer instructions are executed by a processor, they are used to implement the method as described in the first aspect and any possible implementation thereof.

[0026] Fifthly, embodiments of this application provide a computer program product that, when running on a computer or executed by the computer's processor, implements the method described in the first aspect and any possible design thereof. The computer may be an electronic device as described in the second aspect and any possible implementation thereof.

[0027] Understandably, the beneficial effects achieved by the business processing apparatus of the second aspect, the electronic equipment of the third aspect, the computer-readable storage medium of the fourth aspect, and the computer program product of the fifth aspect provided above can be referred to as the beneficial effects of the first aspect and any possible implementation thereof, which will not be repeated here. Attached Figure Description

[0028] Figure 1 A flowchart illustrating a business processing method provided in an embodiment of this application; Figure 2 A flowchart illustrating another business processing method provided in an embodiment of this application; Figure 3 A flowchart illustrating another business processing method provided in an embodiment of this application; Figure 4 A flowchart illustrating another business processing method provided in an embodiment of this application; Figure 5 A flowchart illustrating another business processing method provided in an embodiment of this application; Figure 6 This is a schematic diagram of the structure of a service processing device provided in an embodiment of this application; Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0029] Hereinafter, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of this embodiment, unless otherwise stated, "a plurality of" means two or more.

[0030] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0031] The technical solutions provided in this application, including the collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data, comply with relevant laws and regulations and do not violate public order and good morals.

[0032] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0033] The business processing method provided in this application can be applied to various online business renewal processing scenarios, such as online loan renewal, digital resource subscription renewal, platform membership service renewal, or online business permission renewal.

[0034] In this scenario, service providers need to offer users a periodic service renewal function, and the renewal process must balance efficiency and security.

[0035] In related technologies, the business renewal process usually requires users to terminate the current business and then re-initiate the application. It also relies heavily on offline manual review and material submission, resulting in cumbersome business processes, low processing efficiency, and potential business interruption due to operational delays, which affects user experience.

[0036] The business processing method provided in this application embodiment, by constructing an online processing flow that uses a renewal whitelist as a trigger mechanism and integrates internal and external data consistency verification and automated risk assessment, achieves fully automated processing from business application and qualification review to agreement generation and business activation. This significantly improves the processing efficiency of business renewal, ensures the continuity and stability of business resources, and effectively controls business risks.

[0037] It should be noted that the business processing method provided in this application embodiment can also be applied to business processing scenarios, and this application embodiment does not limit it in this regard.

[0038] Figure 1 This is a flowchart illustrating a business processing method provided in an embodiment of this application, such as... Figure 1 As shown, the business processing method may include the following steps 201 to 205: Step 201: The server receives a service renewal request from the user terminal.

[0039] The aforementioned service renewal request includes the user's user identifier and the service parameters for the renewal service.

[0040] In some embodiments of this application, the aforementioned business parameters include: a data set submitted by the user when initiating a business renewal request, used to define the attributes of the renewed business, including at least the renewal business type and renewal period, and may also include parameters such as resource quota and service level.

[0041] In some embodiments of this application, the aforementioned user identifier serves as the user's identity credential within the business system. Exemplarily, it may be a system-assigned user ID, national ID card number, mobile phone number, or other information capable of uniquely identifying the user. Business parameters define the specific attributes of this renewal service, including at least the renewal service type and renewal period. In some examples, extended parameters such as service level and resource quota may also be included.

[0042] In some embodiments of this application, the server receives loan renewal requests sent by user terminals through a preset loan service interface. Exemplarily, the loan renewal request uses a standardized data encapsulation format, including the user's identity information and loan renewal service parameters.

[0043] For example, in a service scenario, when a user needs to renew an agricultural production loan, they submit a renewal request via mobile banking. The request includes business parameters such as user identity information, renewal amount, and loan purpose. The system automatically verifies the user's session status to ensure the legitimacy and security of the request.

[0044] Step 202: If the server determines that the user identifier matches the user identifier in the renewal whitelist, it responds to the business renewal request by retrieving the user's basic information from the target database to generate evaluation information page data and return it to the user terminal.

[0045] The aforementioned information page data is used to render the evaluation information page on the user terminal; the renewal whitelist includes the user identifier of at least one user who is eligible for renewal.

[0046] In some embodiments of this application, the renewal whitelist refers to a set of users who are eligible for business renewal, selected through predefined rules. This renewal whitelist can be generated automatically or semi-automatically based on users' historical business performance, fulfillment records, and other dimensions, serving as the admission criteria for renewal business processing.

[0047] In some embodiments of this application, the target database may be a credit information database. In some embodiments of this application, after receiving a renewal request, the server first parses the user identification field and performs a matching query in a pre-built renewal whitelist database. This renewal whitelist is a set of users eligible for loan renewal selected through multi-dimensional eligibility assessment rules, which systematically records the identification and related attributes of at least one eligible user.

[0048] In some embodiments of this application, when a user's identity is confirmed to exist in the renewal whitelist, the server immediately retrieves the user's complete basic information from the target database. This basic information includes, but is not limited to, the user's identity information, contact information, business scale, and other fundamental data. The server then integrates these discrete information units into structured page description data and returns it to the user terminal through a standardized data interface.

[0049] In some embodiments of this application, after receiving page description data, the user terminal uses a built-in rendering engine to convert it into a visual evaluation information page, providing the user with a clear information display and a convenient operation interface.

[0050] For example, in a loan renewal scenario, the system verifies the user's identity information and loan eligibility, and then automatically extracts the user's basic information, historical loan records, business status, etc. from the bank's credit system to generate a pre-filled loan renewal application page, which greatly reduces the user's input workload.

[0051] Step 203: After receiving the submission instruction from the user terminal for the basic information on the assessment information page, the server performs consistency verification on the basic information based on the auxiliary verification information obtained from the target data platform. After the consistency verification is passed, the server retrieves the user's assessment information from the target database, processes the assessment information through the risk assessment model, and obtains the renewal risk score.

[0052] The aforementioned assessment information includes the user's historical business information, historical performance information, and historical behavior data.

[0053] In some embodiments of this application, the aforementioned risk assessment model is a computational model built based on machine learning or a rule engine, used to quantitatively assess the user's renewal risk. This risk assessment model analyzes features such as the user's historical business information, performance information, and behavioral data to output a score representing the risk level.

[0054] In some embodiments of this application, consistency verification refers to the process of confirming the authenticity of a user's identity and business qualifications by comparing auxiliary verification information from an external data platform with the basic information submitted by the user.

[0055] In some embodiments of this application, after the user completes the verification and confirmation of basic information on the evaluation information page, a submission command is triggered through the user interface. The user terminal encapsulates this command, along with the basic information confirmed by the user, into a standard data packet and sends it to the server.

[0056] In some embodiments of this application, the server immediately initiates a multi-source data verification process upon receiving the submission instruction. The system obtains the user's auxiliary verification information by calling the standard application programming interface provided by the government's agricultural department data platform. For example, the government's agricultural department data platform can provide authoritative data such as the user's land contract information and agricultural subsidy information.

[0057] In some embodiments of this application, the server then performs a rigorous consistency verification process, comparing and analyzing the acquired auxiliary verification information with the basic information submitted by the user from multiple dimensions. This verification process can employ fuzzy matching algorithms and rule engines to ensure the authenticity and accuracy of the information provided by the user.

[0058] In some embodiments of this application, after the consistency verification is passed, the server obtains the user's in-depth assessment information from the professional data partition of the credit system database.

[0059] In some embodiments of this application, historical business information records in detail a user's past business transaction history, usage behavior patterns, service preference characteristics, etc.

[0060] In some embodiments of this application, historical performance information includes the user's credit performance, performance status, agreement compliance records, etc.

[0061] In some embodiments of this application, historical behavioral data includes comprehensively collected user operation habit characteristics, access frequency distribution, interaction behavior patterns, etc.

[0062] In some embodiments of this application, the aforementioned risk assessment model is an intelligent decision-making system built upon machine learning technology. This risk assessment model undergoes deep training using a training dataset containing a large amount of historical business data, complete performance records, and corresponding renewal results, establishing a complex mapping relationship from multi-dimensional features to risk levels.

[0063] For example, in a loan renewal scenario, the system will verify the authenticity of the user's land contract information through the government's agricultural department data platform, and at the same time analyze the user's historical loan data, including repayment records, loan usage, operating income, etc., and predict the repayment risk after the loan renewal through a risk assessment model.

[0064] In some embodiments of this application, the risk assessment model is a machine learning model, which is trained using a training dataset that includes historical user business data, performance records, and corresponding business renewal results.

[0065] Step 204: If the renewal risk score is lower than the preset risk score threshold, the server generates a business renewal agreement based on the business parameters and sends the business renewal agreement to the user terminal.

[0066] In some embodiments of this application, the server precisely compares the renewal risk score output by the risk assessment model with a preset risk threshold. This risk threshold is a scientific benchmark derived from the analysis of a large amount of historical loan data, reflecting the bank's acceptable risk level. When the score is below this threshold, it indicates that the risk of the loan renewal application is within a controllable range, automatically triggering the agreement generation process.

[0067] In some embodiments of this application, the server can select a corresponding standard template from the protocol template library based on specific business parameters, and automatically fill the specific business parameters, user information and other content into the corresponding positions in the template through dynamic data binding technology to generate a complete renewal agreement with legal effect.

[0068] For example, in a loan renewal scenario, the server will automatically generate a loan renewal agreement containing specific terms based on parameters such as the loan amount, loan term, and repayment method selected by the user, clarifying the rights and obligations of both parties and the repayment arrangements.

[0069] Step 205: After receiving the confirmation instruction for the service renewal agreement sent to the user terminal, the server activates the renewal service and updates the user's service status record to "renewed".

[0070] In some embodiments of this application, the server sends the protocol document to the user terminal via a secure transmission channel, allowing the user to view the protocol content in detail on the terminal device. Once the user confirms acceptance of the protocol terms and expresses their confirmation through electronic signature, the user terminal returns a confirmation instruction containing digital signature information to the server.

[0071] In some embodiments of this application, after verifying the integrity and legality of the confirmation instruction, the server immediately activates the corresponding renewal service in the banking system and updates the renewal status record of the corresponding user in the database, marking it as renewed.

[0072] For example, in a loan renewal scenario, after the user confirms the loan renewal agreement, the system will immediately complete the connection between the old and new loans, issue new loan funds, and update the loan status in the bank's core system to ensure the continuity of agricultural production and operation funds.

[0073] The service processing method provided in this application embodiment includes a server receiving a service renewal request from a user terminal. The service renewal request includes the user's user identifier and service parameters for the renewed service. If the server determines that the user identifier matches a user identifier in a renewal whitelist, it responds to the service renewal request by retrieving the user's basic information from a target database to generate evaluation information page data and returning it to the user terminal. This information page data is used to render the evaluation information page on the user terminal. The renewal whitelist includes the user identifier of at least one user eligible for renewal. Upon receiving a submission instruction from the user terminal regarding the basic information in its evaluation information page, the server, based on the information from the target database... The auxiliary verification information obtained by the target data platform is used to verify the consistency of basic information. After the consistency verification is passed, the user's assessment information is obtained from the target database. The assessment information is processed through a risk assessment model to obtain a renewal risk score. The assessment information includes the user's historical business information, historical performance information, and historical behavior data. If the renewal risk score is lower than the preset risk score threshold, the server generates a business renewal agreement based on business parameters and sends the business renewal agreement to the user terminal. After receiving the confirmation instruction for the business renewal agreement sent from the user terminal, the server activates the renewal business and updates the user's business status record to "renewed".

[0074] In some embodiments of this application, after the server receives the confirmation instruction for the service renewal agreement sent from the user terminal in step 205 above, the service processing method provided in this application embodiment may further include the following steps 206 to 208: Step 206: The server retrieves the user's business status record from the target database and determines whether the user has any unresolved historical business of the same type as the renewal business based on the business status record. Step 207: If there are historical transactions that are not yet settled and are related to the renewal business, the server will trigger the business settlement process for the historical transactions. Step 208: After the business settlement process is completed, the server terminates the user's historical business.

[0075] In some embodiments of this application, after receiving a user's confirmation instruction for the renewal agreement, the server accesses the target database to obtain the user's complete renewal history data.

[0076] In some embodiments of this application, the business status record can be a structured data set that systematically records key information such as the disbursement time, repayment status, and outstanding debt of all historical loans of the user.

[0077] In some embodiments of this application, the server performs in-depth analysis of the acquired business status records based on preset business status analysis rules. In some examples, the server determines the settlement status of historical loans through a status flag identification mechanism, such as by checking status fields such as "settlement completion flag" and "debt status flag" in the loan records.

[0078] For example, in a loan renewal scenario, when a user applies for a renewal of an agricultural production loan, the server checks whether the user has any outstanding historical loans. For instance, a user may have a loan that is about to mature, and the system will query the credit system database to confirm the repayment status of that loan. If it is found that the loan has not been fully repaid, it is marked as a historical loan that needs to be settled.

[0079] In some embodiments of this application, when a historical business that meets the settlement conditions is detected, a standardized business settlement process (i.e., business liquidation process) is automatically initiated.

[0080] For example, the business settlement process may include a series of operations such as interest calculation, fund transfer, and status update. In some embodiments, the business settlement process adopts an asynchronous processing mechanism, whereby the server generates processing tasks and submits them to a task queue, and a dedicated processing module executes the specific operations.

[0081] For example, in a loan renewal scenario, when a user renews a new agricultural production loan, the system triggers a settlement process for the existing loan. This includes: calculating accrued interest, transferring funds from the newly issued loan to settle the old loan, and updating the loan status. The system completes the fund settlement process in real time by calling the API interface of the bank's core system.

[0082] In some embodiments of this application, after confirming the complete execution of the business settlement process, the server performs a formal termination operation for the historical business. Specifically, the status record of the corresponding historical business in the target database is updated to "settled," and detailed information such as the settlement time and processing result is recorded.

[0083] For example, when a user completes a loan renewal, the server marks the original loan as settled after completing the historical loan settlement process, while retaining important loan history records for reference in subsequent credit decisions.

[0084] In this embodiment of the application, by executing the settlement process of historical business, the accurate settlement and standardized management of business are ensured through automated settlement processing in the business scenario, thereby ensuring the accurate transition of business status, avoiding abnormal business information caused by state confusion, and thus improving the stability and reliability of business processing.

[0085] In some embodiments of this application, the server triggering the business settlement process for historical services in step 207 above may include the following steps 207a to 207c: Step 207a: The server generates a settlement instruction based on the historical business status records and sends it to the business settlement system; Step 207b: After receiving the clearing success notification from the business clearing system, the server records the clearing completion status; Step 207c: If a clearing success notification is not received within the preset time, a clearing status query notification is sent to the user terminal and the subsequent renewal service activation process is suspended.

[0086] In some embodiments of this application, the clearing instruction is used to trigger the business clearing system to execute the business clearing process.

[0087] In some embodiments of this application, a clearing success notification is used to indicate that the business clearing process has been successfully executed.

[0088] In this embodiment of the application, a sophisticated exception handling mechanism is provided to ensure the reliability of the liquidation process and avoid the problem of inconsistent system state caused by liquidation failure.

[0089] In this embodiment of the application, by executing a business settlement process and suspending the activation of renewal services if the business settlement process fails, a smooth transition between old and new services is ensured, business conflicts are avoided, and the reliability of the system and user experience are improved.

[0090] In some embodiments of this application, in conjunction with the above... Figure 1 ,like Figure 2 As shown, prior to step 201 above, the business processing method provided in this application embodiment may further include steps 209 to 211: Step 209: The server receives the approved initial user list.

[0091] The initial user list includes at least one user identifier and at least one user's business-related information; Step 210: The server automatically filters the initial user list based on the pre-configured set of admission rules.

[0092] The aforementioned set of access rules includes users' historical performance behavior and the threshold for the remaining validity period of the business; Step 211: The server adds the user IDs that match the admission rule set to the renewal whitelist.

[0093] In some embodiments of this application, the server receives a preliminary list of users through a data interface, which contains basic information about users who may meet the renewal conditions.

[0094] In some embodiments of this application, the initial user list may come from multiple data sources, such as the active user database of a business system, or a list of high-quality users exported from a customer management system. In some examples, the initial user list also includes auxiliary information such as users' business usage time, consumption records, and credit ratings, providing data support for subsequent precise screening.

[0095] In some embodiments of this application, the server loads a pre-configured set of admission rules and performs multi-dimensional evaluation on each user in the initial user list.

[0096] In some embodiments of this application, the aforementioned admission rule set is a configurable rule engine that includes a series of business rules and threshold parameters. Specifically, the user's historical performance evaluation primarily examines the user's past business usage records and agreement compliance; the remaining validity period threshold ensures that only users whose services are about to expire are included in the whitelist.

[0097] In some embodiments, the admission rule set also includes other evaluation dimensions, such as user activity, spending power, and complaint records. The system sets corresponding weight coefficients for each evaluation dimension and calculates a comprehensive score for the user through weighted average, ensuring the scientific nature and accuracy of the screening results.

[0098] In some embodiments of this application, after evaluating all users, the server adds the user identifiers that meet the admission criteria to the renewal whitelist database. This process includes user identifier format standardization, data integrity verification, and deduplication of duplicate records. In some examples, the server may also generate detailed eligibility records for each whitelisted user, including the reason for selection, validity period, and type of renewable service, providing a reference for subsequent business processing.

[0099] In this embodiment, multi-dimensional rule filtering ensures that only eligible users can enter the renewal process, improving the targeting and effectiveness of business processing and thus enhancing its accuracy. Strict access review effectively filters out risky users, reducing potential losses during the renewal process. Precise user screening avoids invalid processing of ineligible users, saving system computing and storage resources.

[0100] In some embodiments of this application, in conjunction with the above... Figure 1 ,like Figure 3 As shown, prior to step 201 above, the business processing method provided in this application embodiment may further include steps 212 to 214: Step 212: The server obtains the expiration date information of the historical services of at least one user in the renewal whitelist who is eligible for renewal.

[0101] Step 213: The server determines at least one target user among renewable users whose historical service expiration date and the current date have a time difference of less than a time threshold.

[0102] Step 214: The server sends a service expiration reminder and interface control instructions to the target user's terminal.

[0103] Among them, the service expiration reminder is used to remind users that their historical services are about to expire.

[0104] The aforementioned interface control instructions are used to control the user terminal to display the service renewal application entry.

[0105] In some embodiments of this application, the server periodically scans the renewal whitelist database to obtain historical service information for all users eligible for renewal, with a focus on extracting the expiration time data of the services. In some examples, the system establishes a dedicated expiration monitoring task, performing data scans at a preset time frequency (such as daily or weekly) to ensure that services about to expire can be detected in a timely manner.

[0106] In some embodiments of this application, the server compares the obtained business due date with the current system date, calculates the remaining time, and compares it with a preset time threshold. The time threshold can be flexibly configured according to business characteristics; for example, a longer reminder lead time can be set for important businesses, while a shorter lead time can be set for ordinary businesses.

[0107] In some embodiments, the server employs a multi-level threshold mechanism to classify users into different reminder priorities based on the proximity of the service's due date. For example, users with 30 days until the due date are classified as "early reminders," while users with 7 days until the due date are classified as "urgent reminders," thereby implementing a differentiated reminder strategy.

[0108] In some embodiments of this application, the server generates personalized service expiration reminders based on the identified target user list and sends them to the user terminal via push service.

[0109] In some embodiments of this application, the aforementioned service expiration reminder adopts a template design, which includes key information such as service name, expiration time, and renewal method, while also supporting the replacement of personalized fields to ensure the accuracy and user-friendliness of the reminder information.

[0110] In some embodiments of this application, the aforementioned interface control instructions adopt a standardized data format, including information such as interface element identifiers, display parameters, and interaction logic. Upon receiving the instruction, the user terminal automatically displays the service renewal application entry at the corresponding interface location, simplifying the user's operation path.

[0111] In this embodiment, accurate expiration identification and timely reminder services effectively prevent business interruptions caused by users forgetting, significantly improving the business renewal completion rate. The renewal entry is directly displayed through interface control commands, reducing the steps users need to find functional modules and providing a more convenient service experience. Furthermore, the multi-level threshold mechanism provides differentiated reminder strategies for businesses with different levels of urgency, reflecting the refinement and intelligence of the service.

[0112] In some embodiments of this application, before performing consistency verification on the basic information based on the auxiliary verification information obtained from the target data platform in step 203 above, the business processing method provided in the embodiments of this application may further include the following steps 215 and 216: Step 215: The server sends a query request to the application programming interface of the target data platform. The query request is used to query the user's auxiliary verification information, which includes qualification information or resource quota information. Step 216: The server receives a response message from the target data platform, which includes auxiliary verification information.

[0113] In some embodiments of this application, the server initiates a standardized query request to a pre-configured target data platform according to the needs of business renewal processing.

[0114] In some embodiments of this application, the query request adopts an industry-standard data exchange format and includes necessary authentication information and query parameters. In some examples, the query request may also include security elements such as digital signatures to ensure the security of data access.

[0115] In some embodiments of this application, the aforementioned target data platform includes, but is not limited to, credible data sources such as government e-government data systems, industry regulatory platforms, and third-party certification bodies. The auxiliary verification information varies depending on the type of business; for example, in resource allocation businesses, it may include the user's resource quota information, while in qualification certification businesses, it may include the user's qualification certificate information.

[0116] In some embodiments of this application, after sending a query request, the server listens for response messages from the target data platform. Upon receiving a response message, the server first performs data format verification and integrity checks to ensure that the received data conforms to expected specifications. Subsequently, the auxiliary verification information is parsed and standardized, converting it into a unified format recognizable by the internal system.

[0117] In some embodiments, the server can cache the acquired auxiliary verification information and establish a valid caching mechanism to reduce frequent access to the target data platform while ensuring data timeliness and improving overall system performance.

[0118] In this embodiment of the application, by accessing a credible target data platform, the reliability and authority of the verification data source are ensured. Through standardized data acquisition and processing procedures, the accuracy and consistency of the auxiliary verification information are ensured, providing a reliable basis for business decisions.

[0119] In some embodiments of this application, the process of processing the assessment information through a risk assessment model to obtain a renewal risk score in step 203 above includes the following steps 203a and 203b: Step 203a: The server performs behavioral pattern analysis based on historical behavioral data to obtain behavioral pattern information; Step 203b: The server inputs behavioral pattern information, historical business information, and historical performance information into the risk assessment model to calculate the renewal risk and obtain a renewal risk score.

[0120] In some embodiments of this application, the server extracts historical user behavior data from the target database, including detailed information such as operation logs, access records, and interaction behaviors. By performing multi-dimensional analysis on this data, the system can identify user behavior patterns, such as usage habits, operation frequency, and preference settings.

[0121] In some examples, behavioral pattern analysis employs machine learning algorithms, using techniques such as clustering analysis and association rule mining to extract meaningful feature patterns from massive amounts of behavioral data. The server then builds user behavior profiles, quantitatively assesses user behavioral characteristics, and provides data support for risk assessment.

[0122] In some embodiments of this application, the server inputs preprocessed multi-dimensional information into the risk assessment model, and obtains a quantitative risk score through the model's calculation and analysis.

[0123] In this application embodiment, through multi-dimensional data analysis and advanced machine learning algorithms, accurate assessment and prediction of user risk are achieved. Through in-depth feature mining such as behavioral pattern analysis, potential risk factors that are difficult to discover by traditional methods can be identified. Furthermore, through quantitative risk scoring and detailed analysis, more scientific and reliable support is provided for business decision-making.

[0124] In some embodiments of this application, in conjunction with the above... Figure 1 ,like Figure 4 As shown, step 204 above may include steps 204a and 204b: Step 204a: If the renewal risk score is lower than the preset risk score threshold, the server generates a business renewal agreement containing an electronic signature verification area based on the preset business agreement template and the business parameters of the renewal business.

[0125] Step 204b: The server sends the service renewal agreement to the user terminal in a structured data format.

[0126] In some embodiments of this application, the aforementioned preset risk scoring threshold is used to assess the magnitude of risk, and its value can be set according to actual circumstances. This application does not limit this.

[0127] In some embodiments of this application, after obtaining the user's risk score, the server compares the risk score with a preset risk score threshold. After confirming that the risk score meets the requirements, the server selects the corresponding standard template from the protocol template library and dynamically generates a personalized business renewal agreement based on the specific business parameters.

[0128] For example, in a loan renewal scenario, after obtaining the user's risk score, the server compares the risk score with a risk score threshold. If the score is lower than the threshold, the server dynamically generates a renewal agreement containing specific terms based on parameters such as the loan amount, loan term, and repayment plan selected by the user. If the score is higher than the threshold, the process ends.

[0129] In this embodiment of the application, the standardization of the agreement is ensured by judging the user's risk score and generating a business renewal agreement with an electronic signature through a standardized agreement template if the risk score meets the requirements.

[0130] The following example illustrates the execution flow of the business processing method provided in this application embodiment.

[0131] For example, such as Figure 5 As shown, taking a loan renewal scenario as an example, the execution flow of this business processing method may include the following steps: Step 11: Obtain the list of loan renewals.

[0132] For example, the loan renewal list can be the aforementioned renewal whitelist.

[0133] For example, a bank account manager imports a list of customers eligible for loan renewal into the system. After the higher-level institution approves the application, the system automatically selects qualified customers to enter the renewal whitelist according to the admission rules.

[0134] Step 12: Display renewable debt.

[0135] For example, customers can log in to the client to view all their debts. For customers on the renewal whitelist, and for debts with a loan maturity date within a certain period, a renewal button will be displayed, and customers can apply for renewal as needed.

[0136] Step 13: Whether to accept the loan renewal submission instruction.

[0137] For example, if a submission instruction is received, step 14 is executed; otherwise, the process ends.

[0138] Step 14: Update and confirm customer information and loan information, and submit the application.

[0139] For example, a customer clicks the loan renewal button on the user's loan app to enter the application page. The server can automatically obtain the customer's basic information based on the initial loan, including name, ID number, contact information, etc., and display it on the application page. At the same time, the server prompts the customer to verify the accuracy of the information and guides the customer to enter the relevant information for the loan renewal.

[0140] Step 15: Determine whether the approval is granted.

[0141] For example, if the approval is successful, steps 16 and 17 are performed; if the approval is unsuccessful, the process ends.

[0142] For example, the automated loan renewal approval process is as follows: After confirming the information, the user submits a loan renewal application. The system automatically links with the government's agricultural department to obtain the user's land contracting information, agricultural subsidy information, etc., stored in the agricultural department's database. This information is compared with the information provided by the user to ensure the authenticity and reliability of the user's production, operation, and financial information. After data verification, the system assesses the customer's loan renewal risk, conducting internal control checks, gray list checks, credit checks, anti-fraud checks, and other relevant verifications. Combining the user's business status, income trends, and historical loan repayment history, the system makes a comprehensive judgment using an internal risk assessment model. If the data verification is correct and the risk is within an acceptable range, the system automatically approves the loan renewal application and generates a new loan contract. The new contract is pushed to the user through the client, and the user confirms it using an electronic signature on the app.

[0143] Step 16: Trigger the interest repayment process.

[0144] For example, after approval, the system obtains the original debt information and determines whether interest needs to be repaid. If it needs to be repaid, the user enters the repayment interface and can only renew the loan account after repaying the interest. If there is no interest, this step is skipped.

[0145] Step 17: Execute account opening and loan disbursement.

[0146] For example, once the account is successfully opened, the bank's payment system will directly disburse the loan renewal funds to the user's designated account, while simultaneously settling the original loan, updating the user's loan record, and promptly notifying the user of the loan disbursement information through the user's terminal. The entire process does not require the user to repay the principal, achieving a seamless connection for loan renewal without principal repayment.

[0147] The business processing method provided in this application has several advantages. Firstly, for users, it eliminates the need to visit physical branches; all operations can be completed on a mobile device. From application to loan disbursement, the entire process saves significant time and effort, allowing users to focus on agricultural production and avoiding additional costs associated with raising repayment funds. It also reduces transportation and agricultural production time costs. The seamless loan renewal process ensures the continuity of agricultural production funds, preventing interruptions to production and operations due to loan repayment issues, thus contributing to the stability of agricultural production. Secondly, for the business provider, the online process enables rapid information collection and processing. Automated approval and evaluation systems improve bank efficiency, reduce human error, enhance loan quality, and lower risk. It also provides users with a convenient service experience, enhancing customer satisfaction and loyalty, and helping banks establish a positive image and expand their business in the rural financial market.

[0148] It should be noted that the collection, acquisition, storage, use, processing, transmission, provision and disclosure of user personal information / data involved in the technical solution disclosed in this application all comply with the relevant provisions of national laws and regulations and do not violate public order and good morals.

[0149] It should be noted that the model in this application embodiment is not a model for a specific user and cannot reflect the personal information of a specific user.

[0150] It should be noted that the personal information used in the technical solution of this application is limited to information for which individual consent has been obtained, including but not limited to notifying and reminding users to read the relevant user agreement (notification) and sign the agreement (authorization) which includes authorization of relevant evaluation information before users use the function.

[0151] Figure 6 This is a schematic diagram of a service processing device provided in an embodiment of this application. Figure 6As shown, the service processing device 600 includes: a receiving module 601, a processing module 602, and a sending module 603, wherein: the receiving module 601 is used to receive a service renewal request from a user terminal, the service renewal request including the user's user identifier and service parameters for the renewed service; the processing module 602 is used to, in response to the service renewal request, retrieve the user's basic information from the target database to generate evaluation information page data and return it to the user terminal when determining that the user identifier matches the user identifier in the renewal whitelist, the information page data is used to render the evaluation information page of the user terminal; the renewal whitelist includes the user identifier of at least one user who can renew; the processing module 602 is also used to, upon receiving the evaluation information page sent by the user terminal, retrieve the user's basic information from the target database to generate evaluation information page data and return it to the user terminal, the information page data being .... After the submission instruction for this information is received, the basic information is verified for consistency based on the auxiliary verification information obtained from the target data platform. After the consistency verification is passed, the user's assessment information is obtained from the target database. The assessment information is processed through a risk assessment model to obtain a renewal risk score. The assessment information includes the user's historical business information, historical performance information, and historical behavior data. The processing module 602 is also used to generate a business renewal agreement based on business parameters if the renewal risk score is lower than a preset risk score threshold. The sending module 603 is used to send the business renewal agreement to the user terminal. The processing module 602 is also used to activate the renewal service and update the user's business status record to "renewed" after receiving the confirmation instruction for the business renewal agreement sent from the user terminal.

[0152] In other embodiments, the above-mentioned processing module is further configured to, after receiving a confirmation instruction for the service renewal agreement sent from the user terminal, obtain the user's service status record from the target database, and determine whether the user has any unsettled historical services of the same type as the renewal service based on the service status record; if there are unsettled historical services related to the renewal service, trigger the service settlement process for the historical services; after the service settlement process is completed, terminate the user's historical services.

[0153] In other embodiments, the above-mentioned processing module is specifically used to: generate a settlement instruction and send it to the business settlement system based on the business status records of historical services; record the settlement completion status after receiving a settlement success notification from the business settlement system; and if no settlement success notification is received within a preset time, send a settlement status query notification to the user terminal and suspend the subsequent renewal service activation process.

[0154] In other embodiments, the receiving module is further configured to receive an approved initial user list, which includes at least one user identifier and at least one user's business-related information; the processing module is further configured to automatically filter the initial user list based on a pre-configured access rule set, which includes the user's historical performance behavior and the remaining validity period threshold of the business; the processing module is further configured to add user identifiers that meet the access rule set to the renewal whitelist.

[0155] In other embodiments, the processing module is further configured to, before receiving a service renewal request from a user terminal, obtain the expiration date information of the historical services of at least one renewable user in the renewal whitelist; determine the target user among the at least one renewable user whose historical service expiration date and the current date have a time difference of less than a time threshold; the sending module is further configured to send a service expiration reminder and an interface control instruction to the target user's user terminal; wherein, the service expiration reminder is used to remind the user that the historical service is about to expire, and the interface control instruction is used to control the user terminal to display the service renewal application entry.

[0156] In other embodiments, the sending module is further configured to initiate a query request to the application programming interface of the target data platform before performing consistency verification on the basic information based on the auxiliary verification information obtained from the target data platform. The query request is used to query the user's auxiliary verification information, which includes qualification information or resource quota information. The receiving module is further configured to receive a response message sent by the target data platform, which includes the auxiliary verification information.

[0157] In other embodiments, the above-mentioned processing module is specifically used to perform behavioral pattern analysis based on historical behavioral data to obtain behavioral pattern information; input the behavioral pattern information, historical business information and historical performance information into the risk assessment model to calculate the renewal risk and obtain the renewal risk score.

[0158] In other embodiments, the risk assessment model is a machine learning model, which is trained using a training dataset that includes historical user business data, performance records, and corresponding business renewal results.

[0159] In other embodiments, the processing module is specifically used to generate a business renewal agreement containing an electronic signature verification area based on a preset business agreement template and business parameters of the renewal business; the sending module is specifically used to send the business renewal agreement to the user terminal in a structured data format. The business processing apparatus provided in this application embodiment can execute the methods shown in the above method embodiments. Its implementation principle and beneficial effects can be referred to the relevant descriptions in the method embodiments, and will not be repeated here.

[0160] Figure 7This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 7 As shown, the electronic device 500 includes: a memory 501, a transceiver 502, and at least one processor 503.

[0161] The transceiver 502 is used to interact with other devices to send and receive data. For example, in this embodiment, the transceiver 502 can specifically be used to receive service renewal requests from user terminals. The memory 501 is used to store computer program code, which includes computer instructions. These computer instructions run in the aforementioned electronic device to implement the method shown in the above-described method embodiments. For example, the memory may include high-speed random access memory (RAM), and may also include non-volatile memory (NVM), such as at least one disk storage device, or a USB flash drive, portable hard drive, read-only memory, magnetic disk, or optical disk, etc.

[0162] Processor 503 can be a general-purpose processor, including a Central Processing Unit (CPU), a network processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. Processor 503 can also be other general-purpose processors. The general-purpose processor can be a microprocessor or any conventional processor.

[0163] The memory 501, transceiver 502, and processor 503 are communicatively connected. For example, the memory 501 and transceiver 502 can be connected to the processor 503 via a system bus and communicate with each other. The system bus can be a peripheral component interconnect (PCI) bus, an extended industry standard architecture (EISA) bus, an industry standard architecture (ISA) bus, etc. The system bus can be divided into address bus, data bus, control bus, etc. For ease of representation, only one thick line is used in the figure, but this does not mean that there is only one bus or one type of bus.

[0164] Optionally, the memory 501 can be either standalone or integrated with the processor 503. When the memory 501 is set up independently, it is connected to the processor 503 via a system bus.

[0165] This application also provides a chip for executing instructions, which is used to execute the technical solutions of the business processing methods in the above embodiments.

[0166] This application also provides a computer-readable storage medium storing computer instructions. When these computer instructions are executed by a processor, they are used to implement the technical solution of the business processing method described in the above embodiments. Specifically, when the computer instructions are executed by a processor, the electronic device can perform the technical solution of the business processing method described in the above embodiments.

[0167] This application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. At least one processor can read the computer program from the computer-readable storage medium, and when the at least one processor executes the computer program, it can implement the technical solution of the business processing method in the above embodiments. The aforementioned computer-readable storage media can be implemented from any type of volatile or non-volatile storage device or a combination thereof, such as Static Random-Access Memory (SRAM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Erasable Programmable Read-Only Memory (EPROM), Programmable Read-Only Memory (PROM), Read-Only Memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The computer-readable storage media can be any available medium accessible to a general-purpose or special-purpose computer. An exemplary computer-readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the storage medium. Of course, the computer-readable storage medium can also be a component of the processor. The processor and the computer-readable storage medium can reside in an application-specific integrated circuit (ASIC). Alternatively, the processor and the computer-readable storage medium can exist as discrete components in an electronic control unit or main control device; this application does not limit this.

[0168] In the several embodiments provided in this application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative; for instance, the division of modules is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple modules may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or modules, and may be electrical, mechanical, or other forms.

[0169] The modules described as separate components may or may not be physically separate. The components shown as modules may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to implement the solution of this embodiment according to actual needs.

[0170] Furthermore, the functional modules in the various embodiments of this application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The unit composed of the above modules can be implemented in hardware or in the form of hardware plus software functional units.

[0171] The integrated modules described above, implemented as software functional modules, can be stored in a computer-readable storage medium. These software functional modules, stored in a storage medium, include several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute some steps of the methods of the various embodiments of this application.

[0172] It should be understood that the steps of the method disclosed in the embodiments of this application can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules in the processor.

[0173] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0174] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A service processing method characterized by, The method comprises the following steps: A server receives a service renewal request from a user terminal, wherein the service renewal request comprises a user identifier of a user and service parameters of a service to be renewed; When the server determines that the user identifier matches a user identifier in a renewal white list, the server acquires basic information of the user from a target database in response to the service renewal request, generates evaluation information page data, and returns the evaluation information page data to the user terminal, wherein the evaluation information page data is used to render an evaluation information page of the user terminal; the renewal white list comprises user identifiers of at least one user who can renew the service; After the server receives a submission instruction sent by the user terminal for the basic information in the evaluation information page of the user, the server performs consistency verification on the basic information based on auxiliary verification information acquired from a target data platform, and acquires evaluation information of the user from the target database after the consistency verification is passed, processes the evaluation information by using a risk evaluation model, and obtains a renewal risk score; the evaluation information comprises historical service information, historical performance information, and historical behavior data of the user; If the renewal risk score is lower than a preset risk score threshold, the server generates a service renewal agreement based on the service parameters, and sends the service renewal agreement to the user terminal; After the server receives a confirmation instruction for the service renewal agreement sent by the user terminal, the server activates the service to be renewed, and updates a service state record of the user to a renewed state.

2. The method of claim 1, wherein, After the server receives the confirmation instruction for the service renewal agreement sent by the user terminal, the method further comprises the following steps: The server acquires the service state record of the user from the target database, and determines whether the user has historical services that are not cleared and have the same service type as the service to be renewed according to the service state record; If there is historical service that is not cleared and has the same service type as the service to be renewed, the server triggers a service clearing process of the historical service; After the service clearing process is completed, the server terminates the historical service of the user.

3. The method of claim 2, wherein, The server triggers the service clearing process of the historical service, comprising the following steps: The server generates a clearing instruction according to the service state record of the historical service, and sends the clearing instruction to a service clearing system; After receiving a clearing success notification returned by the service clearing system, the server records a clearing completion state; If the clearing success notification is not received within a preset time, the server sends a clearing state query notification to the user terminal, and suspends a subsequent renewal service activation process.

4. The method of claim 1, wherein, The method further comprises the following steps: The server receives an initial user list that is audited and passed, wherein the initial user list comprises at least one user identifier and service-related information of at least one user; The server performs automatic screening on the initial user list based on a preconfigured access rule set, wherein the access rule set comprises a user historical performance behavior and a service remaining valid period threshold; The server adds the user identifier that meets the access rule set to the renewal white list.

5. The method of claim 1, wherein, Before the server receives the service renewal request from the user terminal, the method further comprises: The server obtains the expiration date information of the historical service of at least one renewable user in the renewal whitelist; The server determines a target user in the at least one renewable user, whose time difference between the expiration date of the historical service and the current date is less than a time threshold; The server sends a service expiration reminder and an interface control instruction to the user terminal of the target user; wherein the service expiration reminder is used to remind the user that the historical service is about to expire, and the interface control instruction is used to control the user terminal to display a service renewal application entrance.

6. The method of claim 1, wherein, Before the consistency verification of the basic information based on the auxiliary verification information obtained from the target data platform, the method further comprises: The server initiates a query request to the application program interface of the target data platform, and the query request is used to query the auxiliary verification information of the user, wherein the auxiliary verification information includes qualification information or resource quota information; The server receives the response message sent by the target data platform, and the response message includes the auxiliary verification information.

7. The method of claim 1, wherein, The processing of the evaluation information by the risk assessment model to obtain a renewal risk score comprises: The server performs behavior pattern analysis based on the historical behavior data to obtain behavior pattern information; The server inputs the behavior pattern information, historical service information and historical performance information into the risk assessment model for renewal risk calculation to obtain a renewal risk score.

8. The method of claim 7, wherein, The risk assessment model is a machine learning model, and the risk assessment model is trained by a training data set containing historical user service data, performance records and corresponding service renewal results.

9. The method of claim 1, wherein, The server generates a service renewal agreement based on the service parameters and sends the service renewal agreement to the user terminal, comprising: The server generates a service renewal agreement containing an electronic signature verification area based on a preset service agreement template and the service parameters of the renewal service; The server sends the service renewal agreement to the user terminal in a structured data format.

10. A service processing apparatus characterized by comprising: Comprise: A receiving module, a processing module and a sending module, wherein: The receiving module is configured to receive a service renewal request from a user terminal, wherein the service renewal request includes a user identifier of a user and service parameters of a renewal service; The processing module is configured to, in a case where the user identifier matches a user identifier in a renewal whitelist, in response to the service renewal request, obtain basic information of the user from a target database to generate evaluation information page data and return to the user terminal, wherein the information page data is used to render an evaluation information page of the user terminal; the renewal whitelist includes a user identifier of at least one renewable user; The processing module is further configured to, after receiving a submission instruction for the basic information in the evaluation information page sent by the user terminal, perform consistency verification on the basic information based on auxiliary verification information obtained from a target data platform, and obtain evaluation information of the user from the target database after the consistency verification is passed, process the evaluation information through the risk evaluation model, and obtain a renewal risk score; the evaluation information includes historical business information, historical performance information, and historical behavior data of the user. The processing module is further configured to, if the renewal risk score is lower than a preset risk score threshold, generate a business renewal agreement based on the business parameter; The sending module is configured to send the business renewal agreement to the user terminal. The processing module is further configured to, after receiving a confirmation instruction for the business renewal agreement from the user terminal, activate the renewed business, and update a business state record of the user to be renewed.

11. An electronic device, comprising: An electronic device includes: a memory and at least one processor; the memory is in communication connection with the processor; the memory is configured to store computer program code, the computer program code includes computer instructions; when the processor executes the computer instructions, the electronic device performs the business processing method according to any one of claims 1-9.

12. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer instructions, and the computer instructions are executed by the processor to implement the business processing method according to any one of claims 1-9.

13. A computer program product, characterised in that, When the computer program product runs on the computer / is executed by the processor of the computer, the business processing method according to any one of claims 1-9 is implemented.

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