Repayment processing method and device, electronic equipment and storage medium

Abstract

The invention relates to a renewal processing method and device, electronic equipment and a storage medium, and the method comprises the steps: responding to a first request sent by a first terminal, based on a first account carried by the first request, generating assistance sharing information corresponding to the first account, the first request being used for indicating to cancel the automatic renewal of a virtual asset corresponding to the first account; sending the assistance sharing information to the first terminal, so that the first terminal shares the assistance sharing information to each second terminal; acquiring account use information corresponding to the first account and acquiring power-assisted operation information of each second terminal for the power-assisted sharing information; determining a reduction strategy of the renewal virtual assets according to each piece of acquired power-assisted operation information and account use information; and sending the deduction strategy to the first terminal, so that the first terminal completes renewal of the virtual assets based on the deduction strategy. According to the invention, the renewal saving efficiency of potential lost users and the return rate of platform investment are improved.

Description

Technical Field

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

[0002] In today's various content and service platforms, such as video streaming, digital music, paid knowledge platforms, and online education platforms, membership subscriptions and automatic renewal models are commonly used. To reduce user churn, platforms typically trigger retention mechanisms when users actively cancel automatic renewal. Currently, the mainstream retention methods are offering fixed-amount discounts (e.g., a 20 yuan discount on renewal) or short-term trial benefits of a fixed duration (e.g., 7 more days of free membership). However, because these methods employ a one-size-fits-all fixed strategy, they result in insufficient incentives for high-value users and unnecessary subsidies for low-value users, leading to low retention efficiency and wasted marketing resources. Summary of the Invention

[0003] In view of this, in order to solve the above-mentioned technical problems or some of the technical problems, embodiments of this application provide a renewal processing method, apparatus, electronic device and storage medium.

[0004] Firstly, this application provides a renewal processing method, including: In response to a first request sent by a first terminal, based on the first account carried in the first request, help sharing information corresponding to the first account is generated, and the first request is used to indicate the cancellation of the automatic renewal of the virtual assets corresponding to the first account; The help sharing information is sent to the first terminal, so that the first terminal can share the help sharing information to each of the second terminals; Obtain account usage information corresponding to the first account and obtain assistance operation information of each second terminal for the assistance sharing information; Based on the obtained assistance operation information and account usage information, a fee reduction strategy for renewing the virtual assets is determined; The fee reduction policy is sent to the first terminal so that the first terminal can renew the virtual asset based on the fee reduction policy.

[0005] In an optional implementation, determining the fee reduction strategy for renewing the virtual asset based on the acquired assistance operation information and account usage information includes: Based on the obtained assistance operation information and account usage information, determine the target account score corresponding to the first account; Based on the target account rating and the preset payment amount corresponding to the virtual asset, determine the amount of the fee reduction for renewing the virtual asset; Based on the amount of the fee reduction and the first account, a fee reduction strategy for renewing the virtual asset is determined.

[0006] In an optional implementation, the assistance operation information includes the assistance operation type, and the account usage information includes the historical payment capacity of the first account and the historical activity level of the first account. The step of determining the target account rating corresponding to the first account based on the obtained assistance operation information and account usage information includes: Based on the obtained assistance operation types, determine the assistance quantity score and assistance quality score corresponding to the first account; Based on the historical payment ability, determine the historical payment ability score corresponding to the first account, and based on the historical activity level, determine the historical activity level score corresponding to the first account. Determine the first weight corresponding to the quantity of assistance score, the second weight corresponding to the quality of assistance score, the third weight corresponding to the historical payment ability score, and the fourth weight corresponding to the historical activity score; Based on the first weight, the second weight, the third weight, and the fourth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, and the historical activity score is obtained to obtain the target account score corresponding to the first account.

[0007] In an optional implementation, the method further includes: Obtain the remaining marketing amount of the target platform in the current marketing cycle, wherein the target platform is used to represent the registration platform of the first account; Based on the remaining marketing amount, determine the cost control coefficient corresponding to the target platform; Determine the fifth weight corresponding to the cost control coefficient; The step of weighting and summing the contribution quantity score, contribution quality score, historical payment ability score, and historical activity score based on the first weight, the second weight, the third weight, and the fourth weight to obtain the target account score corresponding to the first account includes: Based on the first weight, the second weight, the third weight, the fourth weight, and the fifth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, the historical activity score, and the cost control coefficient is obtained to obtain the target account score corresponding to the first account.

[0008] In an optional implementation, determining the fee reduction strategy for renewing the virtual asset based on the fee reduction amount and the first account includes: Based on the preset payment amount, a reduction / exemption threshold is determined, wherein the reduction / exemption threshold is less than the preset payment amount; When the amount of the fee reduction is less than the threshold for the fee reduction, a fee reduction strategy for renewing the virtual asset is determined based on the amount of the fee reduction and the first account.

[0009] In an optional implementation, the first request further carries the target account level corresponding to the first account; In response to a first request sent by a first terminal, based on a first account carried in the first request, generating help sharing information corresponding to the first account includes: In response to a first request sent by a first terminal, determine whether the target account level is higher than a preset account level; When the target account level is higher than the preset account level, help sharing information corresponding to the first account is generated based on the first account carried in the first request.

[0010] In an optional implementation, obtaining the assistance operation information of each of the second terminals in response to the assistance sharing information includes: Based on the first account, determine the effective sharing duration corresponding to the assistance sharing information; Obtain the assistance operation information of each of the second terminals in response to the assistance sharing information within the effective sharing period.

[0011] Secondly, this application provides a renewal processing device, comprising: The generation module is used to respond to a first request sent by the first terminal, and generate help sharing information corresponding to the first account based on the first account carried in the first request. The first request is used to indicate the cancellation of the automatic renewal of the virtual assets corresponding to the first account. The sending module is used to send the help sharing information to the first terminal, so that the first terminal can share the help sharing information to each second terminal; The acquisition module is used to acquire account usage information corresponding to the first account and to acquire assistance operation information of each of the second terminals in response to the assistance sharing information; The determination module is used to determine the fee reduction strategy for renewing the virtual assets based on the obtained assistance operation information and account usage information. The renewal module is used to send the fee reduction policy to the first terminal, so that the first terminal can complete the renewal of the virtual asset based on the fee reduction policy.

[0012] Thirdly, this application provides an electronic device, including: a processor and a memory, wherein the processor is configured to execute a renewal processing program stored in the memory to implement the renewal processing method as described above.

[0013] Fourthly, this application also provides a storage medium storing one or more programs that can be executed by one or more processors to implement the renewal processing method described above.

[0014] Compared with the prior art, the technical solution provided in this application has the following advantages. The method provided in this application includes: responding to a first request sent by a first terminal, generating help sharing information corresponding to the first account based on the first account carried in the first request, wherein the first request is used to indicate the cancellation of automatic renewal of virtual assets corresponding to the first account; sending the help sharing information to the first terminal so that the first terminal shares the help sharing information to various second terminals; obtaining account usage information corresponding to the first account and obtaining help operation information of each second terminal for the help sharing information; determining a reduction strategy for renewing virtual assets based on the obtained help operation information and account usage information; and sending the reduction strategy to the first terminal so that the first terminal completes the renewal of virtual assets based on the reduction strategy. Through the above methods, this application embodiment generates corresponding help-sharing information in response to the request to cancel the automatic renewal of virtual assets corresponding to the first account, which is then shared by the first terminal to each second terminal. In addition, it determines a personalized reduction strategy by combining the obtained first account usage information and the help operation information of each second terminal and pushes it to the first terminal. This achieves precise renewal incentives based on the user's own attributes and social help behavior, avoids the one-size-fits-all problem of existing fixed retention strategies, and improves the efficiency of renewal and retention of potential churned users as well as the return on investment of the platform. Attached Figure Description

[0015] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.

[0016] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0017] One or more embodiments are illustrated by way of example with reference numerals in the accompanying drawings. These illustrations do not constitute a limitation on the embodiments. Elements with the same reference numerals in the drawings are denoted as similar elements. Unless otherwise stated, the figures in the drawings are not to be limited by scale.

[0018] Figure 1 A flowchart illustrating a renewal processing method provided in an embodiment of this application; Figure 2 A flowchart illustrating another renewal processing method provided in this application embodiment; Figure 3 A schematic diagram illustrating the working principle of a renewal processing system provided in this application embodiment; Figure 4 A schematic diagram of a renewal processing device provided in an embodiment of this application; Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0019] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0020] The following disclosure provides numerous different embodiments or examples for implementing various structures of the invention. To simplify the disclosure, specific examples of components and arrangements are described below. These are merely examples and are not intended to limit the scope of the invention. Furthermore, reference numerals and / or letters may be repeated in different examples. Such repetition is for simplification and clarity and does not in itself indicate a relationship between the various embodiments and / or arrangements discussed.

[0021] refer to Figure 1 , Figure 1 This is a flowchart illustrating a renewal processing method provided in an embodiment of this application. The renewal processing method provided in this embodiment includes the following steps: S101: In response to the first request sent by the first terminal, generate help sharing information corresponding to the first account based on the first account carried in the first request.

[0022] In this embodiment, the method is applied to the platform server. The first terminal can be understood as the electronic device (such as a mobile phone or computer) used by the user initiating the first request. The first terminal has a platform client installed (for example, when the first terminal is a mobile phone, the platform client can be the iQiyi APP). The first request is used to instruct the cancellation of the automatic renewal of the virtual assets corresponding to the first account. For example, after the user clicks to cancel the continuous monthly renewal of the first account in the iQiyi APP on their mobile phone and completes the confirmation, the first terminal sends a message to the iQiyi server to cancel the automatic renewal of the virtual assets corresponding to the first account. The first account can be understood as a unique identifier registered by the user on the platform (such as the iQiyi platform), such as a mobile phone number or the user's corresponding account ID. The first account is associated with virtual assets, which can be understood as the exclusive permissions enjoyed by the user within the platform (such as watching paid content, ad-free viewing, and exclusive functions). The information sharing feature refers to generating a propagation carrier (such as a URL link or QR code) based on the first account, including unique identification information. The unique identification information can consist of the first account, a timestamp, and a random code. For example, when the help-sharing information is a URL link, the URL link can consist of a domain name, unique identification information, and virtual assets. The timestamp mentioned above is used to record the sharing duration of the help-sharing information, so that the help-sharing information can automatically expire when the sharing duration exceeds the valid sharing duration.

[0023] It should be noted that the information shared can also include standardized prompts to automatically adapt to the dissemination formats of mainstream social media platforms. For example, "I am renewing my subscription on iQiyi. Click to help me unlock exclusive discounts."

[0024] Specifically, behavioral tracking points are pre-deployed on the virtual asset auto-renewal management pages of the primary terminal (such as the auto-renewal settings page and the cancellation confirmation page) to monitor user actions in real time. When a user initiates the cancellation of auto-renewal on the primary terminal and completes the final confirmation, the primary terminal sends a first request containing the unique identifier of the primary account to the platform server. Upon receiving the first request, the platform server generates a sharing message containing unique identification information based on the unique identifier of the primary account, ensuring that the sharing message can be directly disseminated on social media platforms without requiring manual editing by the user.

[0025] S102: Send the help sharing information to the first terminal so that the first terminal can share the help sharing information to each second terminal.

[0026] In this embodiment, the second terminal can be understood as an electronic device used by other users (e.g., an electronic device used by the user's friend) that receives the help-sharing information shared by the first terminal and performs the help operation. The second terminal has a social software client installed, and the first terminal shares the help-sharing information to each second terminal through the social software client.

[0027] After generating the sharing assistance information, the platform server can push it to the first terminal that initiated the request via pop-up windows or other means. Upon receiving the sharing assistance information, the first terminal displays a sharing control (such as a "Share with Friends for Discount" button). Clicking this control displays a list of selectable social media apps. After selecting the desired app, the first terminal automatically redirects to that app and loads the complete sharing assistance information (including the sharing platform and guiding text). Users simply need to select the corresponding friends within the app and click send to complete the sharing to the second terminals associated with each friend. This streamlined process enhances the convenience of sharing.

[0028] S103: Obtain the account usage information corresponding to the first account and obtain the assistance operation information of each second terminal for assist sharing information.

[0029] In this embodiment, account usage information can be understood as the user's payment information and activity level when using the first account. Assistance operation information can be understood as various interactive behaviors performed by the second terminal in response to assistance sharing information, including but not limited to clicking on assistance sharing information (basic assistance), browsing virtual assets associated with assistance sharing information for a preset time (e.g., 10 seconds, effective assistance), and completing account registration or login (high-quality assistance).

[0030] For account information, the platform server retrieves all historical data bound to the primary account from the backend database. After data cleaning (removing invalid data) and format standardization, it integrates the data into usable account usage information. For assistance operation information, the platform server monitors the interaction behavior of the secondary terminal in real time through the unique identification information in the assistance sharing information: when the secondary terminal clicks on the sharing information, the click behavior, the secondary terminal identifier, and the timestamp are recorded through link tracing, and it is determined to be basic assistance; when the secondary terminal jumps to the virtual asset page associated with the assistance sharing information, the browsing time is monitored through page tracking. If the preset effective time (e.g., 10 seconds) is reached, it is determined to be effective assistance; when the secondary terminal is an unregistered user, it is monitored whether it has completed account registration or login. If it has, it is determined to be high-quality assistance. The above different types of assistance behavior are classified and recorded, and all assistance operation information is bound to the primary account and stored in the data warehouse in real time.

[0031] S104: Based on the obtained information on various assistance operations and account usage, determine the strategy for reducing or waiving virtual asset renewal fees.

[0032] In this embodiment, the fee reduction strategy can be understood as a personalized optimization scheme for the renewal of virtual assets of the first account calculated by the platform server by combining the account usage information corresponding to the first account with the assistance operation information of each second terminal. Its purpose is to lower the user's renewal threshold, stimulate the willingness to renew, and thus achieve the retention and conversion of potential lost users.

[0033] Specifically, after obtaining the account usage information corresponding to the first account and the assistance operation information of each second terminal for sharing information, the system comprehensively judges the account usage information and each assistance operation information according to the preset decision logic, and dynamically determines the virtual asset renewal reduction strategy that is suitable for the first account.

[0034] S105: Send a fee reduction policy to the first terminal so that the first terminal can complete the renewal of virtual assets based on the fee reduction policy.

[0035] In this embodiment, the platform server pushes the determined fee reduction strategy through pop-up windows and system messages on the first terminal to display comparison information of the original amount, the fee reduction amount, and the actual payment amount corresponding to the virtual asset. It also displays a one-click renewal control, which is compatible with the original automatic renewal payment channels of the first account (such as WeChat Pay, Alipay, bank cards, etc.). After clicking the one-click renewal control, the user does not need to re-enter payment information; the original payment channel is directly called to complete the deduction. If the deduction is successful, the renewal status of the virtual asset in the first account is updated synchronously, and a renewal success notification is sent to the first terminal. If the user abandons the renewal, the reason for abandonment is recorded (such as insufficient fee reduction amount or temporary lack of need) for subsequent optimization of the fee reduction strategy.

[0036] This embodiment provides a renewal processing method that, in response to a request to cancel the automatic renewal of virtual assets corresponding to a first account, generates corresponding sharing information for the first terminal to share with each second terminal. Then, by combining the obtained usage information of the first account with the help operation information of each second terminal, a personalized reduction strategy is determined and pushed to the first terminal. This achieves precise renewal incentives based on the user's own attributes and social help behavior, avoiding the one-size-fits-all problem of existing fixed retention strategies, improving the efficiency of renewal and retention of potential churned users, and the return on investment of the platform.

[0037] refer to Figure 2 , Figure 2 This is a flowchart illustrating another renewal processing method provided in this application embodiment. The renewal processing method provided in this embodiment includes the following steps: S201: In response to the first request sent by the first terminal, generate help sharing information corresponding to the first account based on the first account carried in the first request.

[0038] In this embodiment, the first request also carries the target account level corresponding to the first account, and step S201 specifically includes: In response to the first request sent by the first terminal, determine whether the target account level is higher than the preset account level; When the target account level is higher than the preset account level, the help sharing information corresponding to the first account is generated based on the first account carried in the first request.

[0039] The target account level refers to the tier identifier of the first account within the platform (such as Normal, Gold, Platinum, etc.). The preset account level can be understood as a level threshold set by the platform in advance to determine whether to trigger the generation of help sharing information. It belongs to the same hierarchical system as the target account level. For example, if the platform sets the preset account level to Gold, only Platinum accounts with a level higher than Gold can trigger the generation of help sharing information.

[0040] Specifically, upon receiving the first request from the first terminal, the platform server synchronously extracts the first account and its associated target account level from the request. It then compares the extracted target account level with a preset account level to determine if the target account level meets the condition of being higher than the preset account level. If the condition is met, help-sharing information is generated based on the first account. If the condition is not met, no help-sharing information is generated, and the subsequent referral assistance process is not initiated (i.e., the subsequent S202 step is not executed).

[0041] Through the above methods, this embodiment determines whether the target account level is higher than the preset account level corresponding to the first account carried by the first request. It generates sharing information only for high-level accounts, accurately targets viral resources, avoids the waste of marketing resources caused by indiscriminate targeting, focuses on core high-value users to renew their subscriptions, improves their renewal retention rate, and optimizes the efficiency of platform marketing resource allocation.

[0042] S202: Send the help-sharing information to the first terminal so that the first terminal can share the help-sharing information to each second terminal.

[0043] In this embodiment, step S202 is the same as step S102 described above. For details, please refer to step S102 described above. This embodiment will not repeat the details here.

[0044] S203: Obtain the account usage information corresponding to the first account and obtain the assistance operation information of each second terminal for assist sharing information.

[0045] In this embodiment, step S203 specifically includes: Based on the first account, determine the effective sharing duration corresponding to the information shared to help share; Obtain assistance operation information from each second terminal regarding the sharing information within the valid sharing period.

[0046] The effective sharing duration can be understood as the sharing duration set by the platform based on the target account level of the primary account. For example, the effective sharing duration for a Gold account level is 48 hours, and for a Platinum account level it is 72 hours.

[0047] Specifically, based on the mapping relationship between account level and sharing validity period, the sharing validity period corresponding to the target account level of the first account is determined from the above mapping relationship. After the help sharing information is shared to each second terminal, a time-limited timing mechanism is activated based on the sharing validity period to collect all help operations performed by all second terminals in response to the help sharing information within the sharing validity period, so as to obtain the help operation information of each second terminal in response to the help sharing information.

[0048] Through the above methods, this embodiment defines a specific sharing validity period for the first account to help share information, and only collects the help operation information within the sharing validity period, ensuring the timeliness and accuracy of the help operation information, eliminating the interference of invalid behavior after the expiration, making the subsequent reduction and exemption strategy more in line with the actual fission effect, and improving the operational efficiency of virtual asset renewal and retention.

[0049] S204: Based on the obtained information on various assistance operations and account usage, determine the target account score corresponding to the first account.

[0050] S205: Determine the amount of the fee reduction for renewing virtual assets based on the target account rating and the preset payment amount corresponding to the virtual assets.

[0051] S206: Determine the fee reduction strategy for renewed virtual assets based on the amount of fee reduction and the first account.

[0052] Regarding steps S204 to S206 above, the preset payment amount can be understood as the standard renewal price (excluding any discounts) pre-set for the virtual assets corresponding to the first account. For example, the preset payment amount for a certain virtual asset (monthly membership benefits) is 30 yuan / month. The discount amount can be understood as the amount that can be directly deducted when renewing the virtual asset. For example, if the preset payment amount is 30 yuan and the discount amount is 27 yuan, then the user only needs to pay 3 yuan to complete the renewal of the virtual asset.

[0053] After obtaining the various assistance operation information and account usage information, preset weights are determined for the two dimensions. Using the preset weights, the various assistance operation information and account usage information are weighted and summed. The sum obtained from the weighted summation is determined as the target account score corresponding to the first account.

[0054] After obtaining the target account rating, the target discount rate is matched to the pre-set mapping relationship between account ratings and discount rates. For example, a rating of 90-100 corresponds to a discount rate of 85%, 80-89 to 75%, 70-79 to 65%, 60-69 to 55%, and below 60 to 25%. When the target account rating is 83.1, the appropriate target discount rate is 75%.

[0055] After obtaining the target discount rate, multiply the preset payment amount by the target discount rate to get the discount amount for renewing virtual assets. Combining the discount amount and the preset payment amount, calculate the actual payment amount for renewing virtual assets (actual payment amount = preset payment amount - discount amount). Based on the preset payment amount, the discount amount, and the actual payment amount, generate a discount strategy for renewing virtual assets so that after the discount strategy is pushed to the first terminal, the user on that terminal can clearly understand the current discount plan for renewing virtual assets.

[0056] Through the above methods, this embodiment obtains the target account score corresponding to the first account by quantifying account usage information and various assistance operation information. Based on the target account score, it matches personalized reduction amounts and forms a reduction strategy adapted to the first account. This avoids the problem of insufficient differentiation in traditional fixed reductions, accurately balances users' renewal intentions, and improves the conversion effect of virtual asset renewal.

[0057] In this embodiment, the assistance operation information includes the assistance operation type, and the account usage information includes the first account's historical payment capacity and the first account's historical activity level; the above-mentioned step S204 specifically includes: Based on the various types of assistance actions obtained, determine the number of assistance scores and the quality of assistance scores for the first account. Based on historical spending capacity, a historical spending capacity score is determined; and based on historical activity level, a historical activity score is determined. Determine the first weight corresponding to the quantity of assistance score, the second weight corresponding to the quality of assistance score, the third weight corresponding to the historical payment ability score, and the fourth weight corresponding to the historical activity score. Based on the first, second, third, and fourth weights, the scores for the number of assists, the quality of assists, the historical payment ability, and the historical activity are weighted and summed to obtain the target account score corresponding to the first account.

[0058] In this embodiment, the assistance operation type refers to different types of interactive behaviors performed by the second terminal in response to shared information, including but not limited to basic assistance type, effective assistance type, high-quality assistance type, and no assistance type. Basic assistance type, effective assistance type, and high-quality assistance type can be referred to as described above. The no assistance type can be understood as not performing the corresponding interactive behaviors of basic assistance type, effective assistance type, and high-quality assistance type. Historical payment capability is used to characterize the total payment amount of the first account within the first time period. The historical payment capability score is equal to the ratio between the total payment amount of the first account within the first time period and the average payment amount. The average payment amount is equal to the ratio between the total payment amount of all accounts registered on the platform within the first time period and the number of all accounts registered on the platform. The first time period can be set according to actual needs. This embodiment does not limit the specific value of the first time period; for example, the first time period can be the 12 months prior to the current moment.

[0059] Historical activity is used to characterize the average daily usage time of the first account within the second time period. The historical activity score is equal to the ratio of the average daily usage time of the first account within the second time period to the average daily usage time of all accounts registered on the platform within the second preset time period. The average daily usage time of the first account within the second time period is equal to the ratio of the total usage time of the first account within the first time period to the total number of days included in the second time period. The average daily usage time of all accounts registered on the platform within the second preset time period is equal to the ratio of the total usage time of all accounts registered on the platform within the second preset time period to a first product, which is equal to the product of the number of accounts registered on the platform and the total number of days included in the second time period.

[0060] The assist quantity score can be understood as the total score of assisting behavior quantified according to preset rules based on the type of assisting action. After obtaining each type of assisting action, based on these types, the first number of basic assisting action types, the second number of effective assisting action types, and the third number of high-quality assisting action types are determined from all assisting action types. The first preset score for basic assisting action types, the second preset score for effective assisting action types, and the third preset score for high-quality assisting action types are then obtained. The first, second, and third preset scores can be set according to actual needs; for example, the first preset score can be 1 point, the second preset score can be 2 points, and the third preset score can be 5 points. Based on the first preset score, the first number, the second preset score, the second number, the third preset score, and the third number, the assist quantity score for the first account is obtained. The assist quantity score equals the first preset score × the first number + the second preset score × the second number + the third preset score × the third number. For example, a basic assistance operation type is worth 1 point, an effective assistance operation type is worth 2 points, and a high-quality assistance operation type is worth 5 points. The total score for 5 basic assistance operations + 2 effective assistance operations + 1 high-quality assistance operation is 5×1+2×2+1×5=14 points.

[0061] The assistance quality score can be understood as the percentage of high-quality assistance actions among all assistance action types received. This score determines whether the final score favors high-quality assistance and avoids inflating the discount amount through ineffective assistance. For example, if 2 out of 8 assistance actions are high-quality, the assistance quality score would be 2 ÷ 8 × 100% = 25%.

[0062] Specifically, after obtaining assistance operation information and account usage information, the system invokes preset classification rules and corresponding quantitative scores for each assistance operation type. Assistance operations from all second terminals are collected in real time, and each operation is categorized according to the classification rules. The number of assistance operations for each type is calculated, and based on the aforementioned assistance quantity scoring formula and the quantitative score for each type, an assistance quantity score is determined. Simultaneously, the proportion of high-quality assistance operation types to the total number of all assistance operation types is calculated to obtain an assistance quality score.

[0063] The target account score for the first account is calculated using the following formula: Target Account Score = (Quantity of Assistance Score × First Weight) + (Quality of Assistance Score × Second Weight) + (Historical Payment Ability Score × Third Weight) + (Historical Activity Score × Fourth Weight). The specific values ​​of the first, second, third, and fourth weights can be set according to actual needs; this embodiment does not impose any limitations on them.

[0064] In this embodiment, the assistance operation type is converted into assistance quantity score and assistance quality score. The historical payment ability and historical activity of the first account are converted into corresponding special scores. Then, the target account score is obtained by weighting and summing the four scores with preset weights. This approach takes into account both assistance contribution and user value, avoids the one-sidedness of single-dimensional evaluation, and makes the scoring more standardized and accurate. This provides a reliable basis for personalized reduction strategies and improves the accuracy of virtual asset renewal conversion.

[0065] The renewal processing method provided in this embodiment includes the following steps before determining the target account rating corresponding to the first account: Obtain the remaining marketing budget for the target platform within the current marketing cycle; Based on the remaining marketing budget, determine the cost control coefficient for the target platform; Determine the fifth weight corresponding to the cost control coefficient.

[0066] The above-mentioned weighted summation of the contribution quantity score, contribution quality score, historical spending ability score, and historical activity score, based on the first, second, third, and fourth weights, yields the target account score corresponding to the first account, including: Based on the first, second, third, fourth, and fifth weights, the score for the number of assists, the score for the quality of assists, the score for historical payment ability, the score for historical activity, and the cost control coefficient are weighted and summed to obtain the target account score corresponding to the first account.

[0067] The target platform is the registration platform of the first account. The current marketing cycle can be understood as a pre-defined timeframe for the target platform to influence the virtual asset renewal and retention environment. This can be set as a monthly, quarterly, or holiday-specific cycle based on the target platform's operational needs. The remaining marketing amount refers to the unused portion of the target platform's pre-set special marketing budget for virtual asset renewal and retention within the current marketing cycle. The cost control coefficient is an indicator quantified based on the remaining marketing amount, reflecting the target platform's real-time cost control strength. A higher remaining marketing amount results in a higher cost control coefficient, indicating weaker cost control; conversely, a lower remaining marketing amount results in a lower cost control coefficient, indicating stronger cost control. The cost control coefficient can be set between 0.8 and 1.2.

[0068] Specifically, after obtaining the assistance quantity score, assistance instruction score, historical payment ability score, and historical activity score, the remaining marketing amount of the target platform in the current marketing cycle is obtained. Based on the mapping relationship between the marketing amount and the cost control coefficient, the cost control coefficient corresponding to the remaining marketing amount is determined, and the fifth weight corresponding to the cost control coefficient is invoked. The fifth weight can be set according to actual needs; this embodiment does not limit the fifth weight. Based on the first weight, second weight, third weight, fourth weight, and fifth weight, the target account score corresponding to the first account is calculated according to the following formula: Target account score = (Assistance quantity score × First weight) + (Assistance quality score × Second weight) + (Historical payment ability score × Third weight) + (Historical activity score × Fourth weight) + (Cost control coefficient × Fifth weight).

[0069] Through the above methods, this embodiment integrates the cost control coefficient determined based on the remaining marketing amount within the current marketing cycle of the target platform into the target account rating calculation. While taking into account user value and contribution, it achieves real-time cost control of the platform, avoids marketing budget overruns, makes the rating more in line with the platform's dynamic operation goals, and provides a scientific basis for personalized reductions.

[0070] The above-mentioned step S206 specifically includes: Determine the threshold for the reduction amount based on the preset payment amount; When the amount of the fee reduction is less than the threshold for the fee reduction, the fee reduction strategy for renewing virtual assets is determined based on the amount of the fee reduction and the first account.

[0071] In this embodiment, the reduction amount threshold can be understood as a fixed value determined based on the preset payment amount corresponding to the virtual asset to limit the upper limit of the reduction amount. The reduction amount threshold is less than the preset payment amount. Its function is to define a safe range in which reductions can be directly implemented, thereby avoiding the platform's marketing costs from getting out of control due to excessive reduction amounts from the source, ensuring that each reduction is within the preset cost budget, and taking into account the user's perception of the discount.

[0072] After obtaining the reduction amount, the reduction amount threshold can be determined based on the following formula: the reduction amount threshold equals the preset payment amount multiplied by a preset percentage. The preset percentage can be set according to actual needs, and this embodiment does not limit the specific value of the preset percentage. For example, the preset percentage can be 80%. After obtaining the reduction amount threshold, the reduction amount is compared with the reduction amount threshold. If the comparison result is that the reduction amount is less than the reduction amount threshold, the reduction strategy for renewing virtual assets is determined based on the above reduction strategy determination process. If the comparison result is that the reduction amount is greater than or equal to the reduction amount threshold, the reduction strategy for renewing virtual assets is not determined based on the above reduction strategy determination process. At this time, based on the first account and the reduction amount, alarm information is generated and sent to a third terminal. This third terminal can be understood as the platform operation and maintenance personnel's review terminal. When receiving the confirmation information for the alarm information, the following step S207 is executed to avoid over-subsidizing or not subsidizing, to avoid losing high-quality users and wasting platform marketing quotas. The alarm message indicates whether to use the reduction amount to reduce the renewal fee for the virtual assets corresponding to the first account.

[0073] In this embodiment, by setting a threshold for the amount to be reduced below a preset payment amount, a reduction strategy is generated only when the amount to be reduced is below the threshold, thus avoiding cost waste caused by excessive reduction and balancing users' willingness to renew and platform costs.

[0074] S207: Send a fee reduction policy to the first terminal so that the first terminal can complete the renewal of virtual assets based on the fee reduction policy.

[0075] In this embodiment, if the renewal is successful, the renewal status of the virtual assets of the first account is updated synchronously, and a renewal success notification is sent to the first terminal; if the user abandons the renewal, the reason for abandonment is recorded (such as insufficient reduction amount or temporary need) for subsequent optimization of the weight of each dimension, so as to further optimize the reduction strategy.

[0076] This embodiment provides a renewal processing method that, in response to a request to cancel the automatic renewal of virtual assets corresponding to a first account, generates corresponding sharing information for the first terminal to share with each second terminal. Then, by combining the obtained usage information of the first account with the help operation information of each second terminal, a personalized reduction strategy is determined and pushed to the first terminal. This achieves precise renewal incentives based on the user's own attributes and social help behavior, avoiding the one-size-fits-all problem of existing fixed retention strategies, improving the efficiency of renewal and retention of potential churned users, and the return on investment of the platform.

[0077] This embodiment provides a solution for retaining users who automatically renew their subscriptions, which can be applied to a renewal processing system. Figure 3This is a schematic diagram of the renewal processing system in this embodiment. The renewal processing system includes the following functional modules: cancellation behavior detection module, sharing information generation module, assistive behavior collection module, storage module, AI dynamic reduction calculation module, and renewal processing module. These modules work together to enable users to renew their virtual assets. The functions of each module are explained below: Cancellation Behavior Detection Module: Monitors and identifies user cancellation-type actions (such as canceling automatic renewal of virtual assets) in real time, serving as the trigger point for the entire process. Once the behavior is detected, the subsequent fission and reduction process is immediately initiated.

[0078] The sharing information generation module generates unique sharing information (including user account, time limit, and traceability information) for the user's account based on the detected user cancellation behavior, which can be used for subsequent friend help to spread the word.

[0079] Helping Behavior Collection Module: Collects various helping actions (such as clicks, views, registrations, etc.) from friends in real time for sharing information, and synchronizes the collected helping action information to the storage module to provide helping dimension data for subsequent reduction calculations.

[0080] Storage module: Unifies the storage of all process data, including cancellation behavior data, help sharing information, friend help operation data, etc., providing stable and callable data support for the AI ​​dynamic tax reduction calculation module.

[0081] AI dynamic reduction calculation module: retrieves relevant information from the storage module, dynamically calculates personalized reduction amounts, and determines the reduction strategy.

[0082] Renewal processing module: Receives the reduction strategy output by the AI ​​dynamic reduction calculation module, pushes personalized renewal offers to users (such as the actual price after reduction, the validity period of the offer, etc.), and performs renewal conversion guidance operations (such as displaying the discount page and one-click payment entry) to complete the renewal of the account's virtual assets.

[0083] The following is an example illustrating the entire renewal process: Scenario setting: A user (account level is gold member, continuous monthly subscription original price is 25 yuan, total renewal amount in the past 12 months is 300 yuan, average daily usage time in the past 3 months is 2 hours) cancels the automatic renewal operation in the iQiyi APP; Triggering the viral marketing process: The system detects the cancellation behavior and generates exclusive help-sharing information for the user's account; Friend assistance collection: Users share assistance information from their first terminal to various second terminals and receive 5 basic assistances, 2 effective assistances, and 1 high-quality assistance. The following scores are calculated: Quantity of assistance scored (A), Quality of assistance scored (B), Historical spending ability scored (C), Historical activity score (D), and Cost control coefficient (E). The target account rating is: A × first weight + B × second weight + C × third weight + D × fourth weight + E × fifth weight; Discount amount: Target account score × 25, 26 - Discount amount to get the actual payment amount M; Renewal Processing: Users see the plan to renew for one month of continuous monthly subscription based on the actual payment amount M on the first terminal, click one-click renewal, and the retention is completed.

[0084] refer to Figure 4 , Figure 4 This is a schematic diagram of a renewal processing device provided in an embodiment of this application. The renewal processing device provided in this application includes: a generation module 10, a sending module 20, an acquisition module 30, a determination module 40, and a renewal module 50. The generation module 10 is used to respond to a first request sent by a first terminal, and generate help-sharing information corresponding to the first account based on the first account carried in the first request. The first request is used to indicate the cancellation of automatic renewal of virtual assets corresponding to the first account. The sending module 20 is used to send the help-sharing information to the first terminal, so that the first terminal shares the help-sharing information to various second terminals. The acquisition module 30 is used to acquire account usage information corresponding to the first account and help operation information of each second terminal regarding the help-sharing information. The determination module 40 is used to determine a reduction strategy for renewing the virtual asset based on the acquired help operation information and account usage information. The renewal module 50 is used to send the reduction strategy to the first terminal, so that the first terminal completes the renewal of the virtual asset based on the reduction strategy.

[0085] In this embodiment, the determining module 40 is further configured to: Based on the obtained assistance operation information and account usage information, determine the target account score corresponding to the first account; Based on the target account rating and the preset payment amount corresponding to the virtual asset, determine the amount of the fee reduction for renewing the virtual asset; Based on the amount of the fee reduction and the first account, a fee reduction strategy for renewing the virtual asset is determined.

[0086] In this embodiment, the assistance operation information includes the assistance operation type, and the account usage information includes the historical payment capacity and historical activity level of the first account; the determining module 40 is further configured to: Based on the obtained assistance operation types, determine the assistance quantity score and assistance quality score corresponding to the first account; Based on the historical payment ability, determine the historical payment ability score corresponding to the first account, and based on the historical activity level, determine the historical activity level score corresponding to the first account. Determine the first weight corresponding to the quantity of assistance score, the second weight corresponding to the quality of assistance score, the third weight corresponding to the historical payment ability score, and the fourth weight corresponding to the historical activity score; Based on the first weight, the second weight, the third weight, and the fourth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, and the historical activity score is obtained to obtain the target account score corresponding to the first account.

[0087] In this embodiment, the determining module 40 is further configured to: Obtain the remaining marketing amount of the target platform in the current marketing cycle, wherein the target platform is used to represent the registration platform of the first account; Based on the remaining marketing amount, determine the cost control coefficient corresponding to the target platform; Determine the fifth weight corresponding to the cost control coefficient; Based on the first weight, the second weight, the third weight, the fourth weight, and the fifth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, the historical activity score, and the cost control coefficient is obtained to obtain the target account score corresponding to the first account.

[0088] In this embodiment, the determining module 40 is further configured to: Based on the preset payment amount, a reduction / exemption threshold is determined, wherein the reduction / exemption threshold is less than the preset payment amount; When the amount of the fee reduction is less than the threshold for the fee reduction, a fee reduction strategy for renewing the virtual asset is determined based on the amount of the fee reduction and the first account.

[0089] In this embodiment, the first request also carries the target account level corresponding to the first account; the generation module 10 is further configured to: In response to a first request sent by a first terminal, determine whether the target account level is higher than a preset account level; When the target account level is higher than the preset account level, help sharing information corresponding to the first account is generated based on the first account carried in the first request.

[0090] In this embodiment, the acquisition module 30 is further configured to: Based on the first account, determine the effective sharing duration corresponding to the assistance sharing information; Obtain the assistance operation information of each of the second terminals in response to the assistance sharing information within the effective sharing period.

[0091] This embodiment provides a renewal processing device that, in response to a request to cancel the automatic renewal of virtual assets corresponding to a first account, generates corresponding help-sharing information for the first terminal to share with each second terminal. Then, by combining the obtained first account usage information with the help operation information of each second terminal, a personalized reduction strategy is determined and pushed to the first terminal. This achieves precise renewal incentives based on user attributes and social help behavior, avoiding the one-size-fits-all problem of existing fixed retention strategies, improving the efficiency of renewal and retention of potential churned users, and the return on investment of the platform.

[0092] Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 5 The illustrated electronic device 500 includes at least one processor 501, a memory 502, at least one network interface 504, and other user interfaces 503. The various components in the electronic device 500 are coupled together via a bus system 505. It is understood that the bus system 505 is used to implement communication between these components. In addition to a data bus, the bus system 505 also includes a power bus, a control bus, and a status signal bus. However, for clarity, ... Figure 5 The general designated all buses as Bus System 505.

[0093] The user interface 503 may include a display, keyboard, or clicking device (e.g., mouse, trackball, touchpad, or touchscreen).

[0094] It is understood that the memory 502 in the embodiments of this application can be volatile memory or non-volatile memory, or may include both volatile and non-volatile memory. The non-volatile memory can be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. The volatile memory can be random access memory (RAM), which is used as an external cache. By way of example, but not limitation, many forms of RAM are available, such as Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced Synchronous DRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The memory 502 described herein is intended to include, but is not limited to, these and any other suitable types of memory.

[0095] In some implementations, memory 502 stores elements, executable units or data structures, or subsets thereof, or extended sets thereof: operating system 5021 and application program 5022.

[0096] The operating system 5021 includes various system programs, such as the framework layer, core library layer, and driver layer, used to implement various basic business functions and handle hardware-based tasks. The application program 5022 includes various applications, such as a media player and a browser, used to implement various application functions. Programs implementing the methods of this application embodiment can be included in application program 5022.

[0097] In this embodiment of the application, the processor 501 executes the method steps provided in each method embodiment by calling the program or instructions stored in the memory 502, specifically the program or instructions stored in the application program 5022.

[0098] The methods disclosed in the embodiments of this application can be applied to or implemented by processor 501. Processor 501 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by the integrated logic circuit of the hardware or by instructions in the form of software in processor 501. The processor 401 mentioned above may be a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor may be a microprocessor or any conventional processor. The steps of the methods disclosed in the embodiments of this application can be directly embodied in the execution of a hardware decoding processor, or executed by a combination of hardware and software units in the decoding processor. The software units may be located in random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, registers, or other mature storage media in the art. The storage medium is located in memory 502. Processor 501 reads the information in memory 502 and, in conjunction with its hardware, completes the steps of the above method.

[0099] It is understood that the embodiments described herein can be implemented in hardware, software, firmware, middleware, microcode, or a combination thereof. For hardware implementation, the processing unit can be implemented in one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), general-purpose processors, controllers, microcontrollers, microprocessors, other electronic units for performing the functions described herein, or combinations thereof.

[0100] For software implementation, the techniques described herein can be implemented by units that perform the functions described herein. The software code can be stored in memory and executed by a processor. The memory can be implemented in the processor or external to the processor.

[0101] The electronic device provided in this embodiment may be as follows: Figure 5 The electronic device shown can perform the following: Figure 1 and Figure 2 All steps of the renewal processing method are implemented to achieve Figure 1 and Figure 2 For details on the technical effects of the renewal processing method shown, please refer to [link / reference]. Figure 1 and Figure 2 The relevant descriptions are presented concisely and will not be elaborated upon here.

[0102] This application also provides a storage medium (computer-readable storage medium). This storage medium stores one or more programs. The storage medium may include volatile memory, such as random access memory; it may also include non-volatile memory, such as read-only memory, flash memory, hard disk, or solid-state drive; and it may also include combinations of the above types of memory.

[0103] One or more programs in the storage medium can be executed by one or more processors to implement the renewal processing method described above, which is executed on the renewal processing device side.

[0104] The processor is used to execute a renewal processing program stored in the memory to implement the steps of the renewal processing method executed on the renewal processing device side.

[0105] Those skilled in the art will further recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this invention.

[0106] It should be noted that the terms "one implementation," "embodiment," "exemplary embodiment," and "some embodiments" used in the specification indicate that the described embodiment may include a specific feature, structure, or characteristic, but not every embodiment necessarily includes that specific feature, structure, or characteristic. Furthermore, such phrases do not necessarily refer to the same embodiment. Moreover, when a specific feature, structure, or characteristic is described in connection with an embodiment, implementing such a feature, structure, or characteristic in conjunction with other embodiments, whether explicitly described or not, is within the knowledge scope of those skilled in the art.

[0107] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0108] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A renewal processing method, characterized in that, include: In response to a first request sent by a first terminal, based on the first account carried in the first request, help sharing information corresponding to the first account is generated, and the first request is used to indicate the cancellation of the automatic renewal of the virtual assets corresponding to the first account; The help sharing information is sent to the first terminal, so that the first terminal can share the help sharing information to each of the second terminals; Obtain account usage information corresponding to the first account and obtain assistance operation information of each second terminal for the assistance sharing information; Based on the obtained assistance operation information and account usage information, a fee reduction strategy for renewing the virtual assets is determined; The fee reduction policy is sent to the first terminal so that the first terminal can renew the virtual asset based on the fee reduction policy.

2. The method according to claim 1, characterized in that, The step of determining the fee reduction strategy for renewing the virtual asset based on the obtained assistance operation information and account usage information includes: Based on the obtained assistance operation information and account usage information, determine the target account score corresponding to the first account; Based on the target account rating and the preset payment amount corresponding to the virtual asset, determine the amount of the fee reduction for renewing the virtual asset; Based on the amount of the fee reduction and the first account, a fee reduction strategy for renewing the virtual asset is determined.

3. The method according to claim 2, characterized in that, The assistance operation information includes the assistance operation type, and the account usage information includes the first account's historical payment capacity and the first account's historical activity level. The step of determining the target account rating corresponding to the first account based on the obtained assistance operation information and account usage information includes: Based on the obtained assistance operation types, determine the assistance quantity score and assistance quality score corresponding to the first account; Based on the historical payment ability, determine the historical payment ability score corresponding to the first account, and based on the historical activity level, determine the historical activity level score corresponding to the first account. Determine the first weight corresponding to the quantity of assistance score, the second weight corresponding to the quality of assistance score, the third weight corresponding to the historical payment ability score, and the fourth weight corresponding to the historical activity score; Based on the first weight, the second weight, the third weight, and the fourth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, and the historical activity score is obtained to obtain the target account score corresponding to the first account.

4. The method according to claim 3, characterized in that, The method further includes: Obtain the remaining marketing amount of the target platform in the current marketing cycle, wherein the target platform is used to represent the registration platform of the first account; Based on the remaining marketing amount, determine the cost control coefficient corresponding to the target platform; Determine the fifth weight corresponding to the cost control coefficient; The step of weighting and summing the contribution quantity score, contribution quality score, historical payment ability score, and historical activity score based on the first weight, the second weight, the third weight, and the fourth weight to obtain the target account score corresponding to the first account includes: Based on the first weight, the second weight, the third weight, the fourth weight, and the fifth weight, the weighted sum of the number of assists score, the quality of assists score, the historical payment ability score, the historical activity score, and the cost control coefficient is obtained to obtain the target account score corresponding to the first account.

5. The method according to claim 2, characterized in that, The step of determining the fee reduction strategy for renewing the virtual asset based on the fee reduction amount and the first account includes: Based on the preset payment amount, a reduction / exemption threshold is determined, wherein the reduction / exemption threshold is less than the preset payment amount; When the amount of the fee reduction is less than the threshold for the fee reduction, a fee reduction strategy for renewing the virtual asset is determined based on the amount of the fee reduction and the first account.

6. The method according to claim 1, characterized in that, The first request also carries the target account level corresponding to the first account; In response to a first request sent by a first terminal, based on a first account carried in the first request, generating help sharing information corresponding to the first account includes: In response to a first request sent by a first terminal, determine whether the target account level is higher than a preset account level; When the target account level is higher than the preset account level, help sharing information corresponding to the first account is generated based on the first account carried in the first request.

7. The method according to claim 1, characterized in that, The step of obtaining the assistance operation information of each of the second terminals in response to the assistance sharing information includes: Based on the first account, determine the effective sharing duration corresponding to the assistance sharing information; Obtain the assistance operation information of each of the second terminals in response to the assistance sharing information within the effective sharing period.

8. A renewal processing device, characterized in that, include: The generation module is used to respond to a first request sent by the first terminal, and generate help sharing information corresponding to the first account based on the first account carried in the first request. The first request is used to indicate the cancellation of the automatic renewal of the virtual assets corresponding to the first account. The sending module is used to send the help sharing information to the first terminal, so that the first terminal can share the help sharing information to each second terminal; The acquisition module is used to acquire account usage information corresponding to the first account and to acquire assistance operation information of each of the second terminals in response to the assistance sharing information; The determination module is used to determine the fee reduction strategy for renewing the virtual assets based on the obtained assistance operation information and account usage information. The renewal module is used to send the fee reduction policy to the first terminal, so that the first terminal can complete the renewal of the virtual asset based on the fee reduction policy.

9. An electronic device, characterized in that, include: A processor and a memory, the processor being configured to execute a renewal processing program stored in the memory to implement the renewal processing method according to any one of claims 1 to 7.

10. A storage medium, characterized in that, The storage medium stores one or more programs, which can be executed by one or more processors to implement the renewal processing method according to any one of claims 1 to 7.

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