Data processing method, device and equipment

Abstract

The embodiment of the invention discloses a data processing method, device and equipment, and the method comprises the steps: obtaining a commercial tenant identifier of a target commercial tenant and a business identifier of the target business when it is detected that the deduction operation of resources needed for a target commercial tenant to use the target business fails; based on the merchant identifier and the business identifier, obtaining resource information accumulatively defaulted by the target merchant and account resource information of the target merchant, and based on the resource information accumulatively defaulted by the target merchant and the account resource information of the target merchant, determining resource information actually defaulted by the target merchant; and when the resource information actually defaulted by the target merchant breaks through reference resource information configured in a preset credit control strategy, setting the state of using the target business by the target merchant as a punishment state, and when it is detected that the resource information actually defaulted by the target merchant is changed and reference resource information configured in the preset credit control strategy is not broken down, cancelling the punishment state of using the target business by the target merchant.

Description

TECHNICAL FIELD

[0001] The present document relates to the technical field of computers, and particularly relates to a data processing method, device and equipment. BACKGROUND

[0002] Under the background of the Internet, people's work, study and life have undergone tremendous changes. In the process of integration of Internet thinking and Internet technology, the financial field has also undergone great changes, showing a more rich and diverse trend. For e-commerce, many merchants will settle in financial platforms. The financial platform supports merchants to sell their goods or services by providing different services to the merchants. In the process of the financial platform providing services to the merchants, there will be more and more accounts receivable and even bad debts, so it is necessary to control the overdue resources of the merchants to recover bad debts and reduce the human input and cost of collection. SUMMARY

[0003] The technical scheme provided by the embodiments of the present specification is to provide a more optimal technical scheme for controlling the overdue resources of the merchants to recover bad debts and reduce the human input and cost of collection.

[0004] In order to achieve the above technical scheme, the embodiments of the present specification are implemented as follows: The data processing method provided by the embodiments of the present specification comprises: in the case that it is detected that a resource required by a target business of a target merchant fails in a deduction operation, obtaining a merchant identifier of the target merchant and a business identifier of the target business; obtaining accumulated overdue resource information of the target merchant and account resource information of the target merchant based on the merchant identifier and the business identifier, and determining actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant; in the case that the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control strategy, setting a state of the target merchant using the target business to a punishment state, the punishment state being used to indicate that the use of the target business by the target merchant is suspended, and the credit control strategy matching the merchant identifier and the business identifier; in the case that it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control strategy, canceling the punishment state of the target merchant using the target business.

[0005] The embodiment of the present specification provides a data processing device, the device comprises: an identification acquisition module, in the case that a deduction operation of a resource required for a target business of a target merchant fails, acquiring a merchant identification of the target merchant and a business identification of the target business; a calculation module, acquiring accumulated overdue resource information of the target merchant and account resource information of the target merchant based on the merchant identification and the business identification, and determining actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant; a state setting module, in the case that the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control strategy, setting a state of the target merchant using the target business to a punishment state, the punishment state is used to indicate that the use of the target business by the target merchant is suspended, and the credit control strategy matches the merchant identification and the business identification; a state canceling module, in the case that it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control strategy, canceling the punishment state of the target merchant using the target business.

[0006] The embodiment of the present specification provides a data processing device, the data processing device comprises: a processor; and a memory arranged to store computer executable instructions, the executable instructions, when executed, cause the processor to: in the case that a deduction operation of a resource required for a target business of a target merchant fails, acquire a merchant identification of the target merchant and a business identification of the target business; acquire accumulated overdue resource information of the target merchant and account resource information of the target merchant based on the merchant identification and the business identification, and determine actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant; in the case that the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control strategy, set a state of the target merchant using the target business to a punishment state, the punishment state is used to indicate that the use of the target business by the target merchant is suspended, and the credit control strategy matches the merchant identification and the business identification; in the case that it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control strategy, cancel the punishment state of the target merchant using the target business.

[0007] The embodiment of the present specification further provides a storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes: in the case that it is detected that a deduction operation of a resource required for a target business of a target merchant fails, obtaining a merchant identifier of the target merchant and a business identifier of the target business; obtaining accumulated overdue resource information of the target merchant and account resource information of the target merchant based on the merchant identifier and the business identifier, and determining actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant; in the case that the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control policy, setting a state of the target merchant using the target business to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target business, and the credit control policy matching the merchant identifier and the business identifier; in the case that it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control policy, canceling the punishment state of the target merchant using the target business.

[0008] The embodiment of the present specification further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the following processes: in the case that it is detected that a deduction operation of a resource required for a target business of a target merchant fails, obtaining a merchant identifier of the target merchant and a business identifier of the target business; obtaining accumulated overdue resource information of the target merchant and account resource information of the target merchant based on the merchant identifier and the business identifier, and determining actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant; in the case that the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control policy, setting a state of the target merchant using the target business to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target business, and the credit control policy matching the merchant identifier and the business identifier; in the case that it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control policy, canceling the punishment state of the target merchant using the target business. BRIEF DESCRIPTION OF DRAWINGS

[0009] In order to make the technical solutions in the specification or prior art clearer, the drawings needed in the embodiment or prior art description will be briefly introduced as follows. Obviously, the drawings in the following description are only some embodiments described in the specification, and other drawings can be obtained by those skilled in the art without creative labor. Figure 1 A structural schematic diagram of a data processing system of the specification; Figure 2 A schematic diagram of a data processing process of the specification; Figure 3 A schematic diagram of a credit control policy generation process of the specification; Figure 4 A schematic diagram of another data processing process of the specification; Figure 5 A schematic diagram of another data processing process of the specification; Figure 6 A schematic diagram of another data processing process of the specification; Figure 7 A schematic diagram of a data processing device of the specification; Figure 8 A schematic diagram of a data processing device of the specification. DETAILED DESCRIPTION

[0010] The embodiment of the specification provides a data processing method, device and equipment.

[0011] In order to make those skilled in the art better understand the technical solutions in the specification, the technical solutions in the embodiment of the specification will be described clearly and completely in combination with the drawings in the embodiment of the specification. Obviously, the described embodiments are only some embodiments of the specification, not all embodiments. Based on the embodiments in the specification, all other embodiments obtained by those skilled in the art without creative labor should be within the protection scope of the specification.

[0012] The embodiment of the specification provides a credit control mechanism based on the credit of the merchant, and the specific processing can be referred to the specific content in the following embodiment.

[0013] The data processing method provided by one or more embodiments of the specification can be applied to the implementation environment of data processing, and the implementation environment is described with reference to Figure 1 , which at least includes: The client 100 and the server 200, in addition, the server 200 can include various different algorithms or models, wherein: The client 100 can run on a terminal device, which can be a mobile phone, a personal computer, a tablet computer, an e-book reader, a wearable device, an AR (Augmented Reality) or VR (Virtual Reality) device, or a laptop computer. The terminal device can install the client 100, which can be an application program, a browser, or a subprogram loaded in the application program.

[0014] The server 200 can run on a server, which can be one or more servers, a server cluster composed of several servers, or a cloud server of a cloud computing platform. The server can install the server 200, which can be an application program or a subprogram loaded in the application program. Different algorithms or models can be integrated into the server 200, or the server 200 can call different algorithms or models to perform corresponding operations.

[0015] In addition, a database 300 can be included. The database 300 can be set in the server running the server 200 or outside the server running the server 200. The database 300 can store information such as credit control strategies of different merchants, merchant identifiers, and business identifiers of different businesses.

[0016] In this implementation environment, the client 100 can request the server 200 to build a credit for a merchant by actively applying to the server 200, and can build a credit control strategy for the merchant and a specified business based on this. When the server 200 detects that the deduction operation of the resource required for the target business of the target merchant fails, the server 200 obtains the merchant identifier of the target merchant and the business identifier of the target business, and then obtains the cumulative overdue resource information of the target merchant and the account resource information of the target merchant based on the merchant identifier and the business identifier. Based on the cumulative overdue resource information of the target merchant and the account resource information of the target merchant, the server 200 determines the actual overdue resource information of the target merchant, and sets the state of the target merchant using the target business to a punishment state when the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control strategy. The punishment state is used to indicate that the use of the target business by the target merchant is suspended. The credit control strategy matches the merchant identifier and the business identifier, and the punishment state of the target merchant using the target business is canceled when the actual overdue resource information of the target merchant changes and does not break the reference resource information configured in the preset credit control strategy.

[0017] As Figure 2As shown, the embodiment of the present specification provides a data processing method, the execution subject of the method can be a terminal device or a server, etc., wherein the terminal device can be a mobile terminal device such as a mobile phone, a tablet computer, etc., and can also be a computer device such as a notebook computer or a desktop computer, or can also be an IoT device (specifically, a smart watch, a vehicle-mounted device, etc.), etc., wherein the server can be an independent server, and can also be a server cluster composed of multiple servers, etc., and the server can be a background server of a financial service or a network shopping service, etc., or can also be a background server of an application program, etc. In the embodiment, the execution subject is taken as the server for detailed description, and for the case that the execution subject is the terminal device, the case of the server can be referred to for processing, which will not be repeated here. The method can specifically include the following steps: In step S202, in the case that the resource required for the target business of the target merchant is detected to fail in the deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are acquired.

[0018] Wherein, the resource can be any material element capable of transaction or exchange, for example, the resource can include currency, points, shopping coupons, etc., which can be set according to actual conditions. The target merchant can be any merchant requiring to use the related service of the target business, and the target business can be any business, for example, face-to-face payment business, order code payment business, merchant deduction business, order business, etc., which can be set according to actual conditions. For the deduction operation, the target merchant needs to provide corresponding compensation for the use of the related service of the business, so that the server needs to obtain the compensation through the resource deduction operation. The merchant identifier can include multiple types, for example, the merchant identifier can be the name, code, etc. of the merchant, and can also be a unique identification code (i.e. PID, partner identity ID) generated by the business platform for the merchant after the merchant signs a contract with the business platform. The business identifier can include multiple types, for example, the business identifier can be the name, code (such as a string or a graphic code (such as a two-dimensional code or a bar code, etc.)) of the business, which can be set according to actual conditions.

[0019] In implementation, the target merchant can be hosted on a certain financial service platform, the financial service platform can provide the target merchant with basic business functions, and can also provide the target merchant with personalized business functions, and the target merchant needs to provide corresponding remuneration for different business functions provided by the financial service platform. Generally, the target merchant can keep a certain amount of resources in its account for resource deduction operation by the financial service platform for the business functions used by the target merchant. When a user needs to transact with the target merchant, the user will initiate a processing request for a certain business (i.e. target business, such as order business, etc.), and the server of the financial service platform can provide the target business service for the target merchant to complete the transaction between the user and the target merchant. The server of the financial service platform can obtain the amount of resources that the target merchant needs to pay for using the target business during or after the completion of the above transaction, and can deduct the above amount of resources from the current account of the target merchant. The server can detect whether the above deduction operation is completed at regular intervals or irregular intervals. If the amount of resources stored in the current account of the target merchant is insufficient to complete the above deduction operation, the server will detect that the deduction operation for the resources required by the target merchant for using the target business fails, at this time, the server can obtain the merchant identifier of the target merchant and the business identifier of the target business.

[0020] In step S204, the target merchant's cumulative overdue resource information and the target merchant's account resource information are obtained based on the above merchant identifier and the above business identifier, and the target merchant's actual overdue resource information is determined based on the target merchant's cumulative overdue resource information and the target merchant's account resource information.

[0021] The target merchant's cumulative overdue resource information can be related information of resources accumulated by the target merchant each time the target merchant fails to perform the payment or delivery obligation as agreed, and the target merchant's cumulative overdue resource information can include the amount of resources the target merchant accumulates, the amount of resources each time the target merchant accumulates, the time each time the target merchant accumulates, etc. The account resource information can be related information of resources currently owned in the account, and the account resource information can include the amount of resources currently owned in the account, the history of account top-up, the history of account resource transfer, etc. The account resource information can be set according to actual conditions.

[0022] In implementation, considering that a large number of resource transfer requests exist in some time period, which can cause some resource transfer requests not to complete corresponding resource transfer processing, and therefore, some resource deduction operations have not been completed, based on this, it is necessary to query all overdue resource information of the target merchant, and then obtain accurate actual overdue resource information. Specifically, the target merchant's all overdue resource information can be queried from the server based on the merchant identifier and the business identifier, so as to obtain the target merchant's cumulative overdue resource information. At the same time, the server can obtain the target merchant's account resource information. Then, the target merchant's cumulative overdue resource information and the target merchant's account resource information can be used for calculation, that is, the number of resources in the target merchant's account resource information can be subtracted from the number of resources in the target merchant's cumulative overdue resource information, and the result is used as the number of resources in the target merchant's actual overdue resource information. In addition, other related information (such as time, place, etc.) in the target merchant's actual overdue resource information can also be generated based on other related information. In actual application, the target merchant's actual overdue resource information can only include the number of resources. Through the above method, the target merchant's actual overdue resource information can be finally obtained.

[0023] In step S206, in the case that the target merchant's actual overdue resource information exceeds the reference resource information configured in the preset credit control policy, the state of the target merchant using the target business is set to a punishment state, and the punishment state is used to indicate that the target merchant is suspended from using the target business. The credit control policy matches the merchant identifier and the business identifier.

[0024] The credit control policy can be a policy for managing the credit risk of a user. The credit control policy can be set for the credit limit (i.e., the benchmark resource information) of a merchant. The credit limit can be a financing or consumption limit approved by a financial service platform or the like based on the credit status, repayment ability, and the like of the merchant. For example, the credit limit (i.e., the benchmark resource information) of a certain merchant is the upper limit of the overdraft amount, and the upper limit of the overdraft amount is 1000 yuan. The corresponding credit control policy can be to prevent and control the specified business used by the merchant if the overdraft amount exceeds 1000 yuan, so as to reduce the risk of generating more overdue resources as much as possible. The credit limit (i.e., the benchmark resource information) can be different for different merchants, i.e., different credit limits (i.e., the benchmark resource information) can be set for different merchants, or the same credit limit (i.e., the benchmark resource information) can be set for all merchants. The specific setting can be determined according to the actual situation. Correspondingly, the credit control policy can also be different for different merchants, i.e., different credit control policies can be set for different merchants. For example, a merchant with an offline physical store can be set a higher credit limit (i.e., the benchmark resource information), so that the credit control policy of the above-mentioned merchant allows the merchant to perform more overdraft operations. At the same time, a merchant without an offline physical store can be set a general credit limit (i.e., the benchmark resource information), i.e., a general credit control policy is set for the above-mentioned merchant, so as to guarantee the basic rights and interests of the merchant as much as possible. In addition, the same credit control policy can be set for all merchants, and the specific setting can be determined according to the actual situation. In addition, the credit control policy can also be dynamically adjusted through monitoring of resource transfer processes (such as payment processes or transfer processes, etc.), so as to better control the credit of the merchant and improve the resource turnover efficiency. The credit control policy can correspond to the merchant identifier and the business identifier, and a corresponding credit control policy can be set for each different business of a merchant.

[0025] In implementation, after obtaining the actual resource information that the target merchant is actually in arrears through the processing of step S204, the credit control policy matched with the merchant identifier and the business identifier can be obtained, the reference resource information configured in the credit control policy is compared with the actual resource information that the target merchant is actually in arrears, if the number of resources in the actual resource information that the target merchant is actually in arrears exceeds the number of resources in the reference resource information, it can be determined that the actual resource information that the target merchant is actually in arrears breaks through the reference resource information configured in the preset credit control policy, or if the arrears duration in the actual resource information that the target merchant is actually in arrears exceeds the reference duration in the reference resource information, it can be determined that the actual resource information that the target merchant is actually in arrears breaks through the reference resource information configured in the preset credit control policy, or if the number of resources in the actual resource information that the target merchant is actually in arrears exceeds the number of resources in the reference resource information, and the arrears duration in the actual resource information that the target merchant is actually in arrears exceeds the reference duration in the reference resource information, it can be determined that the actual resource information that the target merchant is actually in arrears breaks through the reference resource information configured in the preset credit control policy.

[0026] In the case that the actual resource information that the target merchant is actually in arrears breaks through the reference resource information configured in the preset credit control policy, the target merchant can be punished and marked, so as to set the state of the target merchant using the target business to a punishment state, at this time, the target merchant will not be able to use the target business, and at the same time, the user will not be able to interact with the target merchant through the target business. In this way, a balance mechanism between resource arrears processing and merchant reservation is constructed through the credit control policy, and in actual application, the recovery efficiency of receivables can be taken as a quantitative index, and a process control means is adopted to improve the efficiency of fund turnover.

[0027] In step S208, in the case that it is detected that the actual resource information that the target merchant is actually in arrears changes and does not break through the reference resource information configured in the preset credit control policy, the punishment state of the target merchant using the target business is cancelled.

[0028] In implementation, after setting the state of the target merchant using the target business to a punishment state, it can be monitored whether the actual resource information that the target merchant is actually in arrears changes, if the target merchant finds the above-mentioned punishment state, the account can be recharged or the actual resource information that is actually in arrears is repaid, when the number of resources that are actually in arrears in the actual resource information that the target merchant is actually in arrears is reduced to 0, it can be determined that the actual resource information that the target merchant is actually in arrears changes and does not break through the reference resource information configured in the preset credit control policy, at this time, the punishment state of the target merchant using the target business can be cancelled, the target merchant can continue to use the target business, and the user can interact with the target merchant through the target business.

[0029] In addition, when the number of actually overdue resources in the actual overdue resource information of the target merchant decreases but is not 0, and the changed actual overdue resource information does not break through the reference resource information configured in the preset credit control strategy, the punishment state of the target merchant using the target service can also be canceled, the target merchant can continue to use the target service, and the user can perform any interaction with the target merchant through the target service.

[0030] The embodiment of the present specification provides a data processing method. In the case where it is detected that the deduction operation of the resource required for the target merchant to use the target service fails, the merchant identifier of the target merchant and the service identifier of the target service are acquired. Then, the accumulated overdue resource information of the target merchant and the account resource information of the target merchant can be acquired based on the merchant identifier and the service identifier. The actual overdue resource information of the target merchant is determined based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. In the case where the actual overdue resource information of the target merchant breaks through the reference resource information configured in the preset credit control strategy, the state of the target merchant using the target service is set to a punishment state. The punishment state is used to indicate that the use of the target service by the target merchant is suspended. The credit control strategy matches the merchant identifier and the service identifier. In the case where it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control strategy, the punishment state of the target merchant using the target service is canceled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed through the credit control strategy. The flow control means is adopted to improve the fund turnover efficiency. Therefore, the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of collection.

[0031] In actual application, corresponding credit control strategies can be set for different target merchants. For example, for important merchants, specifically, merchants with offline physical stores, or some large commercial institutions, or some commodity manufacturers, etc., a personalized credit can be constructed for the above-mentioned merchants in the signing process. For details, see the processing of steps A2 and A4.

[0032] In step A2, a credit configuration request initiated by the target merchant is received. The credit configuration request carries reference resource information, the above-mentioned merchant identifier and the above-mentioned service identifier. The reference resource information includes a reference resource quantity and / or a reference time length.

[0033] In implementation, as Figure 3As shown, the server can be provided with a signing system, a multi-level approval system and a credit control system (i.e., a credit control system), the target merchant can perform signing processing through the signing system, at this time, the target merchant can write personalized benchmark resource information (including personalized credit limit, etc.), and input the merchant identifier and the business identifier of the target business, and the credit configuration request can be generated based on the above information, and the server can receive the credit configuration request through the first workstation in the signing system.

[0034] In step A4, in response to the credit configuration request, a credit control policy matched with the merchant identifier and the business identifier is generated based on the benchmark resource information carried in the credit configuration request, the merchant identifier and the business identifier.

[0035] In implementation, as shown in Figure 3 The server can extract personalized benchmark resource information (including personalized credit limit, etc.) from the credit configuration request, and then provide different approval parties for approval processing through the multi-level approval system, and after approval, a credit control policy matched with the merchant identifier and the business identifier can be generated based on the benchmark resource information carried in the credit configuration request, the merchant identifier and the business identifier, and the credit control policy can be stored in the credit control system corresponding to the merchant identifier and the business identifier.

[0036] In actual application, corresponding credit control policies can be set for other merchants, for example, for ordinary merchants, specifically, offline entity store merchants, or small and micro commodity manufacturers, etc., a general credit function can be constructed in the background for the above merchants, which can be referred to the processing of steps B2 and B4 below.

[0037] In step B2, a credit signing request initiated by a target merchant is received, and the credit signing request carries a merchant identifier and a business identifier.

[0038] In implementation, as shown in Figure 3 The target merchant can perform signing processing through the signing system, at this time, the target merchant can only need to input the merchant identifier and the business identifier of the target business, and the credit configuration request can be generated based on the above information, and the server can receive the credit signing request through the second workstation in the signing system.

[0039] In step B4, in response to the credit signing request, a credit control policy matched with the merchant identifier and the business identifier is generated based on the merchant identifier and the business identifier carried in the credit signing request and the preset benchmark resource information.

[0040] In implementation, as shown in Figure 3As shown, the server can extract the merchant identifier and the business identifier from the trusted configuration request, and then can transmit the merchant identifier and the business identifier, and the reference resource information (including the general credit limit, etc.) preset (or entered) by the middle platform to the multi-level approval system. Based on the merchant identifier and the business identifier carried in the credit signing request and the preset reference resource information, a general credit control policy matching the merchant identifier and the business identifier can be generated, and the general credit control policy can be stored in the credit control system corresponding to the merchant identifier and the business identifier.

[0041] In actual application, as shown in Figure 3 , a whitelist configuration function can also be built in the system background. Some merchants can be configured in the whitelist to exempt the merchants in the whitelist from credit, that is, the merchants in the whitelist will not be limited by any credit control policy.

[0042] In actual application, the specific processing mode of the above step S206 can be various, and the following provides an optional processing mode, which can include the processing of the following steps S2062-S2066. Based on this, the method specifically includes the steps as shown in Figure 2 . Figure 4

[0043] In step S2062, whether the corresponding credit control policy is stored in the policy database based on the merchant identifier and the business identifier is queried.

[0044] In step S2064, in the case that the credit control policy matching the merchant identifier and the business identifier is stored in the policy database, whether the target merchant is subjected to credit control processing by the queried credit control policy based on the actual overdue resource information of the target merchant and the queried credit control policy is judged.

[0045] In implementation, if the credit control policy matching the merchant identifier and the business identifier is stored in the policy database, the actual overdue resource information of the target merchant can be compared with the reference resource information in the queried credit control policy, so as to judge whether the target merchant has overdue resource situation. If there is no overdue resource situation, it can be judged whether it is in the punishment state. If yes, the target merchant can be restored to the punishment state, and the punishment recovery notification can be sent to the target merchant and the database. If no, the target merchant can be restored to the normal state. If there is overdue resource situation, the target merchant can be set to the overdue resource state, and the resource overdue notification can be sent to the target merchant and the database. Through the above manner, the processing process of judging whether the target merchant is subjected to credit control processing by the queried credit control policy based on the actual overdue resource information of the target merchant and the queried credit control policy can be realized.​

[0046] In step S2066, in a case where it is determined that the credit control processing on the target merchant by the queried credit control policy is needed, and the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control policy, the state of the target merchant using the target service is set to a punishment state.

[0047] In addition, in a case where it is determined that the credit control processing on the target merchant by the queried credit control policy is needed, and the actual overdue resource information of the target merchant does not break the reference resource information configured in the preset credit control policy, the target merchant can continue to be set to the overdue resource state.

[0048] In actual application, the specific processing of the actual overdue resource information of the target merchant breaking the reference resource information configured in the preset credit control policy can include various, and can refer to the following content: in a case where the actual overdue resource quantity in the actual overdue resource information of the target merchant exceeds the reference resource quantity in the reference resource information configured in the preset credit control policy, and / or the overdue time length in the actual overdue resource information of the target merchant exceeds the reference time length in the reference resource information configured in the preset credit control policy, it is determined that the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control policy.

[0049] In actual application, the specific processing mode of obtaining the cumulative overdue resource information of the target merchant and the account resource information of the target merchant based on the merchant identifier and the service identifier in step S204 can be various, and the following provides an optional processing mode, which can include the following content: the merchant identifier and the service identifier are polled by a timing task to query the cumulative overdue resource information of the target merchant and the account resource information of the target merchant.

[0050] In implementation, considering that there are a large number of requests in some time period, which causes data processing congestion, and the deduction operation of some resources is relatively slow, in order to query all the overdue resource information of the target merchant, the merchant identifier and the service identifier can be polled by setting a timing task, so as to query the cumulative overdue resource information of the target merchant and the account resource information of the target merchant, and the cumulative overdue resource information of the target merchant and the account resource information of the target merchant are constantly refreshed by the timing task. Finally, the complete cumulative overdue resource information of the target merchant and the account resource information of the target merchant can be obtained.

[0051] In actual application, whenever a state change occurs, a corresponding notification message can be sent to the target merchant, which can be seen from the following content: sending a notification message of a state change of the target merchant using the target service to the target merchant, the state change of the target merchant using the target service including setting the state of the target merchant using the target service to a punishment state, and / or canceling the punishment state of the target merchant using the target service.

[0052] In implementation, when the server sets the state of the target merchant using the target service to the punishment state, a corresponding notification message can be sent to the target merchant, and at the same time, the state of the target merchant using the target service can be set to the punishment state in the database in the form of a notification message. When the server cancels the punishment state of the target merchant using the target service, a corresponding notification message can be sent to the target merchant, and at the same time, the punishment state of the target merchant using the target service can be canceled in the database in the form of a notification message. The notification message can include various types, for example, a short message of a terminal device can be used as a notification message, or a notification message can be constructed by an email, etc., which can be set according to actual conditions.

[0053] In actual application, the specific processing mode of the above step S208 can be various, and the following provides an optional processing mode, which can include the processing of the following steps S2082-S2086, based on which, on the basis of the above Figure 2 , the method specifically includes the steps as shown in Figure 5 .

[0054] In step S2082, it is monitored whether the resource quantity in the account resource information of the target merchant is increased.

[0055] In step S2084, in the case where it is monitored that the resource quantity in the account resource information of the target merchant is increased, based on the accumulated overdue resource information of the target merchant, the account resource information of the target merchant and the increased resource quantity, the current actual overdue resource information of the target merchant is determined.

[0056] In implementation, in the case where it is monitored that the resource quantity in the account resource information of the target merchant is increased, the current actual overdue resource information of the target merchant can be calculated by target merchant current actual overdue resource information = target merchant account resource information + increased resource quantity - target merchant accumulated overdue resource information.

[0057] In step S2086, in the case where the current actual overdue resource information of the target merchant does not break through the reference resource information configured in the preset credit control strategy, the punishment state of the target merchant using the target service is canceled.

[0058] In implementation, in a case where the actual number of resources in arrears in the actual resource information in arrears of the target merchant does not exceed the reference number of resources in the reference resource information configured in the preset credit control strategy, and / or, the time length of arrears in the actual resource information in arrears of the target merchant does not exceed the reference time length of arrears in the reference resource information configured in the preset credit control strategy, it is determined that the actual resource information in arrears of the target merchant does not break through the reference resource information configured in the preset credit control strategy.

[0059] In actual application, after setting the state of the target merchant using the target service to the punishment state, the service processing can also be performed in the following manner, or the service processing can not be performed in the above case, but can be performed in any case when the service processing is needed, which can be specifically implemented in the following manner, and can specifically include the following steps C2 to C6.

[0060] In step C2, a service processing request for the target merchant is received, and the service processing request carries a merchant identifier and a service identifier of a target service corresponding to the service processing request.

[0061] In step C4, the state of the target merchant using the target service is queried based on the merchant identifier and the service identifier.

[0062] In step C6, in a case where the state of the target merchant using the target service is the punishment state, the target service is refused to be executed.

[0063] In implementation, in a case where the state of the target merchant using the target service is the punishment state, the server can refuse to perform the service processing corresponding to the service processing request, that is, refuse to execute the target service.

[0064] The embodiment of the present specification provides a data processing method. In the case where it is detected that the resource required for the target business of the target merchant fails in the deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are obtained. Then, the accumulated overdue resource information of the target merchant and the account resource information of the target merchant can be obtained based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. In the case where the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control strategy, the state of the target merchant using the target business is set to a punishment state. The punishment state is used to indicate that the use of the target business by the target merchant is suspended. The credit control strategy matches the merchant identifier and the business identifier. In the case where it is detected that the actual overdue resource information of the target merchant changes and the reference resource information configured in the preset credit control strategy is not broken, the punishment state of the target merchant using the target business is cancelled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed by the credit control strategy. The flow control means is adopted to improve the fund turnover efficiency. Therefore, the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of the account receivable collection.

[0065] In addition, by using the technologies such as timing tasks and message communication, a complete set of credit control capabilities such as quota credit granting, resource overdue reminding, resource overdue punishment, and punishment degradation for the merchant are realized. The merchants who continuously owe resources can be collected and managed. The bad debts caused by the overdue resources can be recovered in time to reduce the human input and cost expenditure of the account receivable collection.

[0066] The embodiment of the present specification provides a data processing method. In the case where it is detected that the resource required for the target business of the target merchant fails in the deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are obtained. Then, the accumulated overdue resource information of the target merchant and the account resource information of the target merchant can be obtained based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. In the case where the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control strategy, the state of the target merchant using the target business is set to a punishment state. The punishment state is used to indicate that the use of the target business by the target merchant is suspended. The credit control strategy matches the merchant identifier and the business identifier. In the case where it is detected that the actual overdue resource information of the target merchant changes and the reference resource information configured in the preset credit control strategy is not broken, the punishment state of the target merchant using the target business is cancelled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed by the credit control strategy. The flow control means is adopted to improve the fund turnover efficiency. Therefore, the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of the account receivable collection.

[0067] The embodiment of the present specification provides a data processing method, the execution subject of the method can be a terminal device or a server, etc., wherein the terminal device can be a mobile terminal device such as a mobile phone, a tablet computer, etc., can also be a computer device such as a notebook computer or a desktop computer, or can also be an IoT device (such as a smart watch, a vehicle-mounted device, etc.), etc., wherein the server can be an independent server, can also be a server cluster composed of multiple servers, etc., the server can be a background server of a financial service or a network shopping service, etc., can also be a background server of an application program, etc. In the embodiment, the execution subject is taken as a server for detailed description, for the case that the execution subject is a terminal device, the case of the server can be referred to, and details are not repeated here. As shown in the following Figure 6 The method can specifically include the following steps: In step D02, a credit configuration request initiated by a target merchant is received, the credit configuration request carries a merchant PID and a product code, and also carries a credit limit and / or a reference duration.

[0068] In step D04, in response to the credit configuration request, a credit control policy matched with the merchant PID and the product code is generated based on the merchant PID and the product code carried in the credit configuration request, and the credit limit and / or the reference duration.

[0069] In addition, the credit control policy can also be generated in the following manner, that is, a credit signing request initiated by a target merchant is received, the credit signing request carries a merchant PID and a product code; in response to the credit signing request, a credit control policy matched with the merchant PID and the product code is generated based on the merchant PID and the product code carried in the credit signing request, and a preset credit limit and / or a reference duration.

[0070] In addition, a whitelist configuration function can also be constructed in the system background, some merchants can be configured in the whitelist, and the merchants in the whitelist are exempted from credit, that is, the merchants in the whitelist are not limited by any credit control policy.

[0071] In step D06, in the case that it is detected that the charge processing using a target service for a target merchant fails, a merchant PID of the target merchant and a product code of the target service are obtained.

[0072] In step D08, the merchant PID and the product code are polled by a timing task to query a cumulative overdue amount of the target merchant and an account balance of the target merchant, and based on the cumulative overdue amount of the target merchant and the account balance of the target merchant, an actual overdue amount of the target merchant and / or an actual overdue duration of the target merchant are determined.

[0073] In step D10, whether the corresponding credit control strategy is stored in the strategy database is queried based on the merchant PID and the product code.

[0074] In step D12, in the case that the credit control strategy matching the merchant PID and the product code is stored in the strategy database, whether the target merchant is subjected to the credit control processing according to the credit control strategy is determined based on the actual overdue amount and / or the actual overdue time of the target merchant and the queried credit control strategy.

[0075] In step D14, in the case that the target merchant is subjected to the credit control processing according to the credit control strategy, and the actual overdue amount of the target merchant exceeds the credit limit configured in the preset credit control strategy, and / or the actual overdue time of the target merchant exceeds the reference time configured in the preset credit control strategy, the target merchant is subjected to the transaction suspension penalty marking to set the state of the target merchant using the target service to the transaction suspension state.

[0076] In step D16, a corresponding notification message is sent to the target merchant.

[0077] In step D18, whether the account amount of the target merchant is increased is monitored.

[0078] In step D20, in the case that the account amount of the target merchant is increased, the current actual overdue amount of the target merchant is determined based on the cumulative overdue amount of the target merchant, the account balance of the target merchant and the increased amount.

[0079] In step D22, in the case that the current actual overdue amount of the target merchant does not exceed the credit limit configured in the preset credit control strategy, the target merchant is subjected to the transaction suspension penalty unmarking to cancel the transaction suspension state of the target merchant using the target service.

[0080] In step D24, a corresponding notification message is sent to the target merchant.

[0081] In step D26, a transaction request for the target merchant is received, and the transaction request carries the merchant PID and the product code of the target service corresponding to the transaction request.

[0082] In step D28, the state of the target merchant using the target service is queried based on the merchant PID and the product code.

[0083] In step D30, in the case that the state of the target merchant using the target service is the transaction suspension state, the target service is refused to be executed.

[0084] The embodiment of the present specification provides a data processing method. In the case where it is detected that a resource required for a target business of a target merchant fails in a deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are obtained. Then, the accumulated overdue resource information of the target merchant and the account resource information of the target merchant can be obtained based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. In the case where the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control policy, the state of the target merchant using the target business is set to a punishment state. The punishment state is used to indicate that the use of the target business by the target merchant is suspended. The credit control policy matches the merchant identifier and the business identifier. In the case where it is detected that the actual overdue resource information of the target merchant changes and the reference resource information configured in the preset credit control policy is not broken, the punishment state of the target merchant using the target business is cancelled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed by a credit control policy. The flow control means is adopted to improve the efficiency of fund turnover. Therefore, the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of account receivable collection.

[0085] In addition, by using the technologies such as timing tasks and message communication, a complete set of credit control capabilities such as quota credit granting, fee arrears reminding, fee arrears punishment, and punishment degradation for the merchant are realized. The merchants with continuous fee arrears can be collected and managed. The bad debts caused by fee arrears can be recovered in time to reduce the human input and cost expenditure of account receivable collection.

[0086] The above is the data processing method provided by the embodiment of the present specification. Based on the same idea, the embodiment of the present specification also provides a data processing device, as shown in Figure 7 .

[0087] The data processing device comprises an identifier obtaining module 701, a calculation module 702, a state setting module 703, and a state canceling module 704, wherein: The identifier obtaining module 701 obtains the merchant identifier of the target merchant and the business identifier of the target business in the case where it is detected that a resource required for a target business of a target merchant fails in a deduction operation. The calculation module 702 obtains the accumulated overdue resource information of the target merchant and the account resource information of the target merchant based on the merchant identifier and the business identifier, and determines the actual overdue resource information of the target merchant based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. The state setting module 703 sets a state of the target merchant using the target service as a punishment state in a case where the target merchant actually defaults on resource information that breaks through reference resource information configured in a preset credit control policy, the punishment state being used to indicate that the target merchant is suspended from using the target service, and the credit control policy matching the merchant identifier and the service identifier. The state canceling module 704 cancels the punishment state of the target merchant using the target service in a case where it is detected that the target merchant actually defaults on resource information that changes and does not break through reference resource information configured in a preset credit control policy.

[0088] In the embodiments of the present specification, the apparatus further includes: The credit configuration module receives a credit configuration request initiated by the target merchant, the credit configuration request carrying reference resource information, the merchant identifier and the service identifier, the reference resource information including reference resource quantity and / or reference time length; The first policy generation module generates a credit control policy matching the merchant identifier and the service identifier based on the reference resource information, the merchant identifier and the service identifier carried in the credit configuration request in response to the credit configuration request.

[0089] In the embodiments of the present specification, the apparatus further includes: The credit signing module receives a credit signing request initiated by the target merchant, the credit signing request carrying the merchant identifier and the service identifier; The second policy generation module generates a credit control policy matching the merchant identifier and the service identifier based on the merchant identifier and the service identifier carried in the credit signing request and preset reference resource information in response to the credit signing request.

[0090] In the embodiments of the present specification, the state setting module 703 includes: The query unit queries whether a corresponding credit control policy is stored in a policy database based on the merchant identifier and the service identifier; The judgment unit judges whether the target merchant is subjected to credit control processing by the queried credit control policy based on the target merchant actually defaulting on resource information and the queried credit control policy in a case where the credit control policy matching the merchant identifier and the service identifier is stored in the policy database; The state setting unit sets a state of the target business using the target service to a punishment state in a case where it is determined that credit control processing needs to be performed on the target business by using the queried credit control policy, and resource information actually overdue by the target business breaks through reference resource information configured in the preset credit control policy.

[0091] In an embodiment of the present specification, the apparatus further includes: The processing module determines that the resource information actually overdue by the target business breaks through the reference resource information configured in the preset credit control policy in a case where a number of resources actually overdue in the resource information actually overdue by the target business exceeds a number of resources in the reference resource information configured in the preset credit control policy, and / or, an overdue duration in the resource information actually overdue by the target business exceeds a reference duration in the reference resource information configured in the preset credit control policy.

[0092] In an embodiment of the present specification, the computing module 702 performs polling processing on the merchant identifier and the service identifier by a timing task to query the resource information actually overdue by the target business and the account resource information of the target business.

[0093] In an embodiment of the present specification, the apparatus further includes: The notification module sends a notification message of a state change of the target business using the target service to the target business, the state change of the target business using the target service including setting the state of the target business using the target service to a punishment state, and / or, canceling the punishment state of the target business using the target service.

[0094] In an embodiment of the present specification, the state canceling module 704 includes: The monitoring unit monitors whether a number of resources in the account resource information of the target business is increased; The computing unit determines current resource information actually overdue by the target business based on the resource information actually overdue by the target business, the account resource information of the target business, and the increased number of resources in a case where it is monitored that the number of resources in the account resource information of the target business is increased; The state canceling unit cancels the punishment state of the target business using the target service in a case where the current resource information actually overdue by the target business does not break through the reference resource information configured in the preset credit control policy.

[0095] In an embodiment of the present specification, the apparatus further includes: The business processing request module receives a business processing request for the target merchant, and the business processing request carries the merchant identifier and a business identifier of the target business corresponding to the business processing request; The state query module queries a state of the target merchant using the target business based on the merchant identifier and the business identifier. The rejection execution module rejects execution of the target business in a case where the state of the target merchant using the target business is a punishment state.

[0096] For the convenience of description, the above apparatus is described as various modules or units in terms of functions. Of course, the functions of each module or unit can be implemented in the same or more software and / or hardware when implementing one or more embodiments of the present specification, and the modules implementing the same function can be combined or integrated into another system, or some features can be ignored or not executed, etc.

[0097] The embodiment of the present specification provides a data processing apparatus. In a case where it is detected that a resource required for a target merchant using a target business fails in a deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are acquired. Then, the accumulated overdue resource information of the target merchant and the account resource information of the target merchant can be acquired based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant. In a case where the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control policy, the state of the target merchant using the target business is set to a punishment state. The punishment state is used to indicate that the target merchant is suspended from using the target business. The credit control policy matches the merchant identifier and the business identifier. In a case where it is detected that the actual overdue resource information of the target merchant changes and the reference resource information configured in the preset credit control policy is not broken through, the punishment state of the target merchant using the target business is cancelled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed by the credit control policy. The flow control means is adopted to improve the efficiency of fund turnover, so that the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of collection.

[0098] The above is the data processing apparatus provided by the embodiment of the present specification. Based on the same idea, the embodiment of the present specification also provides a data processing device, as shown in Figure 8 .

[0099] The processing device of data can be a terminal device or a server, etc. for the above embodiments.

[0100] The processing device of data can be quite different in configuration or performance, and can include a communication interface 802, a user interface 804, a processor 806, and a data storage 808, which are connected and communicate with each other through a system bus, a network, or other connection mechanism 810. The communication interface 802 enables the processing device of data 800 to communicate with other devices, access networks, and transmission networks through analog or digital modulation. For example, the communication interface 802 can include a chipset and an antenna for wireless communication with a radio access network or an access point. In addition, the communication interface 802 can also be a wired interface such as an Ethernet, token ring, or USB port, or a wireless interface such as Wifi, Bluetooth, Global Positioning System (GPS), or a wide area wireless interface (e.g., WiMAX or LTE). Of course, the communication interface 802 can also support other forms of physical layer interfaces and standard or proprietary communication protocols. The communication interface 802 can also include multiple physical communication interfaces, such as a Wifi interface, a Bluetooth interface, and a wide area wireless interface, etc.

[0101] The user interface 804 includes receiving user input and providing output to the user. Therefore, the user interface 804 can include input components such as a keypad, a keyboard, a touch-sensitive or presence-sensitive panel, a computer mouse, a trackball, a joystick, a microphone, a still camera, and a video camera, and can also include output components such as a display screen (which can be combined with a touch-sensitive panel), a CRT, an LCD, an LED, a display using DLP technology, a printer, other known or future developed similar devices, etc. The user interface 804 can also generate audible output through a speaker, a speaker jack, an audio output port, an audio output device, headphones, and other known or future developed similar devices. In some embodiments, the user interface 804 can include software, circuitry, or other forms of logic capable of transmitting data to and receiving data from external user input / output devices. In addition or alternatively, the processing device of data 800 can support remote access from other devices through the communication interface 802 or another physical interface (not shown). The user interface 804 can be configured to receive user input, the position and movement of which can be indicated by an indicator or cursor described herein. The user interface 804 can also be configured as a display device for rendering or displaying a text segment.

[0102] The processor 806 can include one or more general-purpose processors and / or special-purpose processors.

[0103] Data storage 808 can include one or more volatile and / or non-volatile storage components, and can be entirely or partially integral with processor 806. Data storage 808 can include removable and non-removable storage components.

[0104] Processor 806 is capable of executing program instructions stored in data storage 808 (e.g., compiled or interpreted program logic and / or machine code) to implement various functionality described herein. Data storage 808 can include non-transitory computer-readable media having stored thereon program instructions that, when executed by data processing device 800, enable data processing device 800 to carry out any of the methods, processes, or functions disclosed in the specification and / or drawings. Execution of the program instructions 818 by processor 806 can cause processor 806 to utilize data 812.

[0105] For example, program instructions 818 can include an operating system 822 (e.g., an operating system kernel, device drivers, and / or other modules) installed on data processing device 800, as well as one or more application programs 820 (e.g., a browser, a social application, or a gaming application). Similarly, data 812 can include operating system data 816 and application data 814. Operating system data 816 is primarily accessible to operating system 822, while application data 814 is primarily accessible to one or more application programs 820. Application data 814 can reside in a file system that is visible to or hidden from a user of data processing device 800.

[0106] Application programs 820 can communicate with operating system 812 through one or more application programming interfaces (APIs). These APIs facilitate application programs 820 reading and / or writing application data 814, communicating or receiving information via communication interface 802, receiving or displaying information on user interface 804, and the like.

[0107] In some terminology, application programs 820 can be referred to simply as “apps.” Furthermore, application programs 820 can be downloaded to data processing device 800 through one or more online application stores or application markets. However, application programs can also be installed on data processing device 800 through other means, such as through a web browser or a physical interface (e.g., a USB port) on data processing device 800.

[0108] In particular embodiments, data processing device 800 includes data storage 808, and one or more program instructions 818 stored in data storage 808, and configured to be executed by one or more processors to perform the following computer-executable instructions: In a case where it is detected that a deduction operation of a resource required for a target business usage of a target merchant fails, a merchant identifier of the target merchant and a business identifier of the target business are acquired; Based on the merchant identifier and the business identifier, accumulated overdue resource information of the target merchant and account resource information of the target merchant are acquired, and based on the accumulated overdue resource information of the target merchant and the account resource information of the target merchant, actual overdue resource information of the target merchant is determined; In a case where the actual overdue resource information of the target merchant breaks through reference resource information configured in a preset credit control policy, a state of the target merchant using the target business is set to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target business, and the credit control policy matching the merchant identifier and the business identifier; In a case where it is detected that the actual overdue resource information of the target merchant changes and does not break through the reference resource information configured in the preset credit control policy, the punishment state of the target merchant using the target business is cancelled.

[0109] Each of the embodiments in the specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other. Each of the embodiments focuses on the difference from other embodiments. In particular, for the data processing device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the part of the method embodiment.

[0110] The embodiment of the present specification provides a kind of data processing equipment, by detecting the case where the resource needed for target business use of target merchant is reduced operation failure, then, target merchant's merchant identification and target business's business identification can be obtained, and target merchant's cumulative arrears resource information and target merchant's account resource information can be obtained based on the merchant identification and the business identification, and target merchant's actual arrears resource information is determined based on target merchant's cumulative arrears resource information and target merchant's account resource information, in the case where target merchant's actual arrears resource information breaks through the benchmark resource information configured in preset credit control strategy, the state of target merchant using the target business is set to punishment state, punishment state is used to indicate that target merchant uses target business is suspended, credit control strategy is matched with merchant identification and business identification, in the case where target merchant's actual arrears resource information changes and does not break through the benchmark resource information configured in preset credit control strategy, the punishment state of target merchant using target business is cancelled, so, the balance mechanism of resource arrears processing and merchant reservation is constructed by credit control strategy, and the efficiency of fund turnover is improved using process control means, so that the arrears resource of merchant can be well managed and controlled to recover bad debts and reduce the human input and cost of collection.

[0111] Further, based on the above Figures 1 to 6 The one or more embodiments of the present specification also provide a storage medium for storing computer executable instruction information, and in a specific embodiment, the storage medium can be a U disk, an optical disk, a hard disk and the like. The computer executable instruction information stored in the storage medium can realize the following processes when executed by a processor: In the case where the resource needed for target business use of target merchant is reduced operation failure is detected, the merchant identification of the target merchant and the business identification of the target business are obtained; Based on the merchant identification and the business identification, the cumulative arrears resource information of the target merchant and the account resource information of the target merchant are obtained, and the actual arrears resource information of the target merchant is determined based on the cumulative arrears resource information of the target merchant and the account resource information of the target merchant; In the case where the actual arrears resource information of the target merchant breaks through the benchmark resource information configured in preset credit control strategy, the state of the target merchant using the target business is set to punishment state, and the punishment state is used to indicate that the target merchant uses the target business is suspended, and the credit control strategy is matched with the merchant identification and the business identification; In the case where the actual arrears resource information of the target merchant changes and does not break through the benchmark resource information configured in preset credit control strategy, the punishment state of the target merchant using the target business is cancelled.

[0112] Each of the embodiments in the specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other. Each of the embodiments focuses on the difference from other embodiments. In particular, for the above-mentioned storage medium embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant part can be referred to the part of the method embodiment.

[0113] The embodiment of the specification provides a storage medium. In the case where it is detected that the resource required for the target business used by the target merchant fails in the deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are obtained. Then, the cumulative overdue resource information of the target merchant and the account resource information of the target merchant can be obtained based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the cumulative overdue resource information of the target merchant and the account resource information of the target merchant. In the case where the actual overdue resource information of the target merchant breaks the reference resource information configured in the preset credit control policy, the state of the target merchant using the target business is set to a punishment state. The punishment state is used to indicate that the use of the target business by the target merchant is suspended. The credit control policy matches the merchant identifier and the business identifier. In the case where it is detected that the actual overdue resource information of the target merchant changes and the reference resource information configured in the preset credit control policy is not broken, the punishment state of the target merchant using the target business is cancelled. In this way, a balance mechanism of resource overdue processing and merchant reservation is constructed by the credit control policy. The flow control means is used to realize the efficiency improvement of fund turnover, so that the overdue resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of collection.

[0114] Further, based on the above Figures 1 to 6 One or more embodiments of the specification also provide a computer program product, which includes a computer program. The computer program in the computer program product can realize the following flow when executed by a processor. In the case where it is detected that the resource required for the target business used by the target merchant fails in the deduction operation, the merchant identifier of the target merchant and the business identifier of the target business are obtained. The cumulative overdue resource information of the target merchant and the account resource information of the target merchant are obtained based on the merchant identifier and the business identifier. The actual overdue resource information of the target merchant is determined based on the cumulative overdue resource information of the target merchant and the account resource information of the target merchant. in a case where the target merchant actually owes resource information that breaks through reference resource information configured in a preset credit control policy, setting a state of the target merchant using the target service to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target service, the credit control policy matching the merchant identifier and the service identifier; in a case where the target merchant actually owes resource information that breaks through reference resource information configured in a preset credit control policy, setting a state of the target merchant using the target service to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target service, the credit control policy matching the merchant identifier and the service identifier;

[0115] Each of the embodiments in the specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other. Each of the embodiments focuses on the difference from other embodiments. In particular, for the above-mentioned computer program product embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the related parts can be referred to the part of the method embodiment.

[0116] The embodiment of the specification provides a computer program product. In a case where a deduction operation on resource required for a target merchant to use a target service fails, a merchant identifier of the target merchant and a service identifier of the target service are acquired. Then, the accumulated resource information owed by the target merchant and the account resource information of the target merchant can be acquired based on the merchant identifier and the service identifier. The actual resource information owed by the target merchant is determined based on the accumulated resource information owed by the target merchant and the account resource information of the target merchant. In a case where the actual resource information owed by the target merchant breaks through reference resource information configured in a preset credit control policy, a state of the target merchant using the target service is set to a punishment state, the punishment state being used to indicate that the target merchant is suspended from using the target service, the credit control policy matching the merchant identifier and the service identifier. In a case where the actual resource information owed by the target merchant changes and does not break through the reference resource information configured in the preset credit control policy, the punishment state of the target merchant using the target service is cancelled. In this way, a balance mechanism of resource default processing and merchant reservation is constructed through the credit control policy, and the flow control means is adopted to improve the fund turnover efficiency, so that the default resource of the merchant can be well controlled to recover bad debts and reduce the human input and cost expenditure of collection.

[0117] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims may be performed in a different order than those shown in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired results. In some embodiments, multitasking and parallel processing are possible or may be advantageous. Moreover, although one or more embodiments of this specification provide method steps as described in the embodiments or flowcharts, it is understood that the order of steps listed in the embodiments or flowcharts is merely one possible execution order among many steps and does not represent the only execution order. Therefore, when method steps are involved in the claims, adjustments to the order of those steps, or parallelism between steps, are also within the scope of protection of the claims.

[0118] In the 1990s, it was possible to distinguish whether an improvement in a technology was a hardware improvement (e.g., an improvement in the circuit structure of a diode, transistor, switch, etc.) or a software improvement (an improvement in a method flow). However, as technology has advanced, many improvements in method flows today can be considered as direct improvements in hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into a hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (e.g., a field programmable gate array (FPGA)) is an integrated circuit whose logic function is determined by the user programming the device. A digital system is "integrated" on a PLD by the designer programming it himself, without having to ask a chip manufacturer to design and manufacture a special integrated circuit chip. Moreover, instead of manually manufacturing an integrated circuit chip, this programming is now mostly implemented using "logic compiler" software, which is similar to the software compiler used when developing a program, and the original code before compilation must also be written in a specific programming language, which is called a hardware description language (HDL), and there are many types of HDL, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., and the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that it is only necessary to logically program the method flow using the above-mentioned hardware description languages and program it into an integrated circuit to easily obtain a hardware circuit that implements the logical method flow.

[0119] The controller can be implemented in any suitable way, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, such as software or firmware, executable by the microprocessor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that, in addition to implementing the controller in pure computer readable program code, it is possible to implement the same functionality in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded microcontrollers by logically programming the method steps. Such a controller can therefore be considered to be a hardware component, and the means included therein for implementing the various functions can also be considered to be structures within the hardware component. Alternatively, or even additionally, the means for implementing the various functions can be considered to be both a software module implementing the method and a structure within the hardware component.

[0120] The systems, apparatuses, modules or units illustrated by the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0121] For the sake of description, the above apparatuses are described in functional division and are described respectively. Of course, the functions of each unit can be implemented in the same or multiple software and / or hardware when implementing one or more embodiments of the present specification.

[0122] Those skilled in the art will understand that the embodiments of the present specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of the present specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0123] The embodiments of the present specification are described with reference to flowcharts and / or block diagrams of the method, device (system) and computer program product according to the embodiments of the present specification. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to a general-purpose computer, a special-purpose computer, an embedded processor or other programmable electronic devices to produce a machine, so that the instructions executed by the computer or other programmable electronic devices generate a device that implements the functions specified in the flowcharts and / or block diagrams. Figure 1 The functions of one or more flows and / or blocks Figure 1 The functions of one or more flows and / or blocks

[0124] These computer program instructions can also be stored in a computer readable memory capable of directing the computer or other programmable electronic devices to work in a specific way, so that the instructions stored in the computer readable memory produce a product including instruction devices, which implement the functions specified in the flowcharts and / or block diagrams. Figure 1 The functions of one or more flows and / or blocks Figure 1 The functions of one or more flows and / or blocks

[0125] These computer program instructions can also be loaded into a computer or other programmable electronic devices, so that a series of operation steps are performed on the computer or other programmable electronic devices to produce a computer implemented process, so that the instructions executed on the computer or other programmable electronic devices provide steps for implementing the functions specified in the flowcharts and / or block diagrams. Figure 1 The functions of one or more flows and / or blocks Figure 1 The functions of one or more flows and / or blocks

[0126] In a typical configuration, the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces and memories.

[0127] The memory can include non-persistent memory in the computer readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of the computer readable medium.

[0128] Computer-readable media includes permanent and non-permanent, movable and non-movable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette, magnetic disk storage or other magnetic storage device, or any other non-transmission medium that can be used to store information accessible by a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carriers.

[0129] It should also be noted that the terms "comprising", "containing", or any other variant thereof are intended to cover non-exclusive inclusion, so that processes, methods, articles or devices that include a series of elements not only include those elements, but also include other elements not explicitly listed or inherent to such processes, methods, articles or devices. Without more limitations, the element defined by the statement "comprising a" does not exclude the presence of other identical or equivalent elements in the process, method, article or device comprising the element. In addition, "one", "a" and "the" do not necessarily refer to the singular, but also include the plural. The ordinal numbers first, second, etc. do not necessarily indicate the order, but are often used for the purpose of distinguishing objects. For example, the first server and the second server usually refer to two servers, which are expressed as the first server and the second server in order to distinguish the two servers. However, the two servers may also be the same server at times. Moreover, in the present specification, unless otherwise specified, "receiving and sending of data" is not necessarily direct receiving and sending, but can be indirect receiving and sending (i.e. indirect receiving and sending through one or more subjects). Similarly, in the present specification, unless otherwise specified, the association relationship between structures can be a direct association relationship or an indirect association relationship.

[0130] In addition, as used in the specification and the appended claims, the singular forms "a," "an," and "the" include plural referents unless the context clearly dictates otherwise. Thus, for example, reference to "a" entity includes reference to one or more of such entities. In addition, as used in this specification and the appended claims, the term "or" is generally employed in its sense of "and / or" unless the context clearly dictates otherwise.

[0131] As will be appreciated by one skilled in the art, embodiments of the present specification can be embodied as a method, system, or computer program product. Accordingly, one or more embodiments of the present specification can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present specification can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, magnetic disks, CD-ROMs, optical storage media such as DVD s, etc.) embodying computer readable program code.

[0132] One or more embodiments of the present specification can be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including memory storage devices.

[0133] Embodiments of the present specification are described in the general context of method steps and instructions being executed by a computer. Generally, steps of the embodiments can be implemented as program modules, routines, objects, components, data structures, etc., that perform particular tasks or implement particular abstract data types. Embodiments of the present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including memory storage devices.

[0134] The above description is embodiments of the present specification only and is not intended to limit the present specification. The present specification can have various changes and modifications for those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification shall be included in the scope of the claims of the present specification.

Claims

1. A data processing method, the method comprising: If the operation to deduct resources required for the target merchant to use the target service fails, the merchant identifier of the target merchant and the service identifier of the target service are obtained. Based on the merchant identifier and the business identifier, obtain the cumulative arrears of resources of the target merchant and the account resource information of the target merchant, and based on the cumulative arrears of resources of the target merchant and the account resource information of the target merchant, determine the actual arrears of resources of the target merchant; If the actual resource information owed by the target merchant exceeds the baseline resource information configured in the preset credit control strategy, the status of the target merchant's use of the target service will be set to a penalty status. The penalty status is used to indicate the suspension of the target merchant's use of the target service. The credit control strategy is matched with the merchant identifier and the service identifier. If the actual resource information owed by the target merchant changes but does not violate the baseline resource information configured in the preset credit control policy, the penalty status for the target merchant's use of the target service will be canceled.

2. The method according to claim 1, further comprising: Receive a credit configuration request initiated by the target merchant. The credit configuration request carries baseline resource information, the merchant identifier, and the business identifier. The baseline resource information includes the baseline resource quantity and / or baseline duration. In response to the credit configuration request, a credit control policy matching the merchant identifier and the business identifier is generated based on the baseline resource information carried in the credit configuration request, the merchant identifier, and the business identifier.

3. The method according to claim 1, further comprising: Receive a credit granting and signing request initiated by the target merchant, wherein the credit granting and signing request carries the merchant identifier and the business identifier; In response to the credit signing request, a credit control strategy matching the merchant identifier and the business identifier carried in the credit signing request, as well as preset benchmark resource information, is generated.

4. The method according to claim 2 or 3, wherein setting the target merchant's use of the target service to a penalized state when the actual arrears of resource information by the target merchant exceeds the baseline resource information configured in the preset credit control strategy includes: Based on the merchant identifier and the business identifier, query whether the corresponding credit control strategy is stored in the strategy database; If the policy database stores credit control policies that match the merchant identifier and the business identifier, based on the actual resource arrears of the target merchant and the queried credit control policies, it is determined whether to apply credit control processing to the target merchant through the queried credit control policies. If it is determined that credit control processing needs to be carried out on the target merchant through the credit control strategy found in the query, and the actual arrears of the target merchant's resources exceed the baseline resource information configured in the preset credit control strategy, the status of the target merchant's use of the target business will be set to a penalty status.

5. The method according to claim 1, wherein obtaining the cumulative arrears of resources of the target merchant and the account resource information of the target merchant based on the merchant identifier and the business identifier includes: The merchant identifier and the business identifier are polled by a scheduled task to query the target merchant's accumulated arrears of resources and the target merchant's account resource information.

6. The method according to claim 1, further comprising: Send a notification message to the target merchant regarding a change in the target merchant's use of the target service. The change in the target merchant's use of the target service includes setting the target merchant's use of the target service to a penalized state, and / or canceling the penalized state of the target merchant's use of the target service.

7. The method according to claim 1, wherein canceling the penalty status of the target merchant's use of the target service when it is detected that the actual arrears of resource information of the target merchant has changed and has not breached the baseline resource information configured in the preset credit control strategy includes: Monitor whether the number of resources in the target merchant's account resource information has been increased; If the number of resources in the target merchant's account resource information is increased, the actual amount of resources currently owed by the target merchant is determined based on the target merchant's accumulated arrears, the target merchant's account resource information, and the increased number of resources. If the actual resource information currently owed by the target merchant does not exceed the baseline resource information configured in the preset credit control strategy, the penalty status for the target merchant's use of the target service will be canceled.

8. The method according to claim 1, further comprising: Receive a business processing request for the target merchant, wherein the business processing request carries the merchant identifier and the business identifier of the target business corresponding to the business processing request; Based on the merchant identifier and the service identifier, query the status of the target merchant's use of the target service; If the target merchant's status for using the target service is in a penalty state, the target service will be refused.

9. A data processing apparatus, the apparatus comprising: The identifier acquisition module acquires the merchant identifier of the target merchant and the business identifier of the target business when it detects that the deduction operation for the resources required for the target merchant to use the target business has failed. The calculation module obtains the cumulative arrears of resources of the target merchant and the account resource information of the target merchant based on the merchant identifier and the business identifier, and determines the actual arrears of resources of the target merchant based on the cumulative arrears of resources of the target merchant and the account resource information of the target merchant. The status setting module sets the status of the target merchant's use of the target service to a penalty status when the actual arrears of the target merchant's resource information exceeds the baseline resource information configured in the preset credit control strategy. The penalty status is used to indicate the suspension of the target merchant's use of the target service. The credit control strategy is matched with the merchant identifier and the service identifier. The status cancellation module cancels the penalty status for the target merchant's use of the target service if it detects that the actual arrears of the target merchant's resources has changed but has not violated the baseline resource information configured in the preset credit control strategy.

10. A data processing apparatus, the data processing apparatus comprising: processor; as well as A memory configured to store computer-executable instructions, which, when executed, cause the processor to: If the operation to deduct resources required for the target merchant to use the target service fails, the merchant identifier of the target merchant and the service identifier of the target service are obtained. Based on the merchant identifier and the business identifier, obtain the cumulative arrears of resources of the target merchant and the account resource information of the target merchant, and based on the cumulative arrears of resources of the target merchant and the account resource information of the target merchant, determine the actual arrears of resources of the target merchant; If the actual resource information owed by the target merchant exceeds the baseline resource information configured in the preset credit control strategy, the status of the target merchant's use of the target service will be set to a penalty status. The penalty status is used to indicate the suspension of the target merchant's use of the target service. The credit control strategy is matched with the merchant identifier and the service identifier. If the actual resource information owed by the target merchant changes but does not violate the baseline resource information configured in the preset credit control policy, the penalty status for the target merchant's use of the target service will be canceled.

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