Cross-service data processing method and device, electronic equipment and readable storage medium

Abstract

The invention provides a cross-business data processing method and device, electronic equipment and a readable storage medium, and the method comprises the steps: obtaining transaction data corresponding to a transaction completion instruction in response to the transaction completion instruction of a user for a first business product; the transaction data comprises an actual payment amount and a cost amount; calculating price difference data based on the actual payment amount and the cost amount; inputting the price difference data into a preset rule engine to enable the rule engine to process the price difference data according to a configured proportion parameter and a quota threshold parameter, and outputting resource quota data used for determining the face value of the electronic coupon; according to the resource quota data, generating an electronic coupon used for deducting the cost of the second business product, and associating the electronic coupon to the account of the user; the electronic coupon is used for fee deduction when the user pays the second service product. Through the method, the timeliness and the resource allocation accuracy are improved.

Description

Technical Field

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

[0002] With the diversification of internet platform businesses, platforms simultaneously operate multiple business products (such as product sales and service provision), each typically deployed in an independent backend system or database module. To achieve cross-business user incentives, it's necessary to automatically generate deduction benefits for users in business B based on data generated during transactions in business A. This presents the following specific technical challenges: Existing technologies typically employ preset fixed amounts or simple static proportions. This approach cannot perform real-time, dynamic, and personalized calculations based on core data for each transaction (such as profit margins), resulting in potentially inaccurate allocations that are either insufficient to incentivize users to spend across different business lines or lead to wasted resources. Summary of the Invention

[0003] In view of this, the purpose of this application is to provide a cross-business data processing method, apparatus, electronic device and readable storage medium to reduce the delay from transaction completion to the start of incentive calculation, improve the automation and timeliness of the processing flow, and at the same time ensure that the generated electronic coupon value can effectively incentivize users and realize the rational and personalized configuration of platform resources, thereby improving the accuracy of resource allocation and the intelligence level of the system.

[0004] In a first aspect, embodiments of this application provide a cross-business data processing method, including: In response to a user's transaction completion instruction for the first business product, the system retrieves the transaction data corresponding to the transaction completion instruction; the transaction data includes the actual payment amount and the cost amount. Calculate the price difference based on the actual amount paid and the cost amount; The price difference data is input into a pre-set rule engine, so that the rule engine processes the price difference data according to the configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons; Based on the resource quota data, an electronic coupon is generated to offset the cost of the second business product, and the electronic coupon is linked to the user's account; the electronic coupon is used by the user to offset the cost when paying for the second business product.

[0005] In conjunction with the first aspect, this application provides a first possible implementation of the first aspect, wherein the first business product is a product or service jointly operated by the platform and a third-party supplier; and the second business product is a product or service of the platform.

[0006] In conjunction with the first possible implementation of the first aspect, this application provides a second possible implementation of the first aspect, wherein the goods or services of the platform include at least one of parking services, charging services, and physical goods, and the electronic coupons are corresponding electronic parking coupons, electronic charging coupons, and product coupons; the electronic coupons are used to deduct the cost of the corresponding products incurred by the user when using the goods or services of the platform.

[0007] In conjunction with the first aspect, this application provides a third possible implementation of the first aspect, wherein the rule engine processes the price difference data based on configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons, including: Based on the configured ratio parameters, the product of the price difference data and the ratio parameters is calculated to obtain the initial resource quota data; The initial resource quota data is adjusted based on the quota threshold parameter to obtain the resource quota data.

[0008] In conjunction with the third possible implementation of the first aspect, this application provides a fourth possible implementation of the first aspect, wherein the quota threshold parameter includes an upper limit threshold and / or a lower limit threshold for the face value of the electronic coupon; the step of adjusting the initial resource quota data based on the quota threshold parameter to obtain the resource quota data includes: When the quota threshold parameter includes the upper limit threshold, if the initial resource quota data exceeds the upper limit threshold, then the upper limit threshold is used as the resource quota data; When the quota threshold parameter includes the lower limit threshold, if the initial resource quota data is lower than the lower limit threshold, then the lower limit threshold is used as the resource quota data.

[0009] In conjunction with the first aspect, this application provides a fifth possible implementation of the first aspect, wherein, after linking the electronic coupon to the user's account, the method further includes: Send a notification to the user that the electronic coupon has been successfully issued.

[0010] In conjunction with the first aspect, this application provides a sixth possible implementation of the first aspect, wherein, after linking the electronic coupon to the user's account, the method further includes: In response to a payment request for the second business product, the associated electronic coupon is displayed to the user for use, and the electronic coupon is redeemed based on the user's selection to deduct the cost when paying for the second business product.

[0011] Secondly, embodiments of this application also provide a cross-service data processing apparatus, comprising: The acquisition module is used to respond to a user's transaction completion instruction for the first business product and acquire the transaction data corresponding to the transaction completion instruction; the transaction data includes the actual payment amount and the cost amount; The calculation module is used to calculate the price difference data based on the actual payment amount and the cost amount; The processing module is used to input the price difference data into a pre-set rule engine, so that the rule engine processes the price difference data according to the configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons; The generation module is used to generate an electronic coupon for deducting the cost of the second business product based on the resource quota data, and to associate the electronic coupon with the user's account; the electronic coupon is used by the user to deduct the cost when paying for the second business product.

[0012] Thirdly, embodiments of this application also provide an electronic device, including: a processor, a memory, and a bus, wherein the memory stores machine-readable instructions executable by the processor, and when the electronic device is running, the processor communicates with the memory via the bus, and when the machine-readable instructions are executed by the processor, the steps in any of the possible implementations of the first aspect described above are performed.

[0013] Fourthly, embodiments of this application also provide a computer-readable storage medium storing a computer program, which, when executed by a processor, performs the steps in any of the possible implementations of the first aspect described above.

[0014] This application provides a cross-business data processing method, apparatus, electronic device, and readable storage medium. By responding to a user's transaction completion instruction for a first business product, the method acquires transaction data corresponding to the transaction completion instruction, enabling timely capture of the completion event of the first business transaction and automatic extraction of key transaction data. This transforms the triggering action for cross-business rights issuance from a manual or batch processing mode to a real-time, event-driven mode, effectively reducing the delay from transaction completion to the start of incentive calculation and improving the automation and timeliness of the processing flow.

[0015] Furthermore, by automatically calculating price difference data and inputting it into a pre-set rules engine, the system processes the price difference data according to configured ratio and threshold parameters, outputting resource quota data. This overcomes the rigidity of fixed denominations or static ratio calculations, allowing for dynamic and accurate real-time calculation of resource quota data for electronic coupons based on the specific price difference data of each transaction, combined with adjustable business rules (ratio and threshold parameters). This ensures that the generated electronic coupon value effectively incentivizes users while achieving rational and personalized allocation of platform resources, improving the accuracy of resource allocation and the system's intelligence level.

[0016] To make the above-mentioned objectives, features and advantages of this application more apparent and understandable, preferred embodiments are described below in detail with reference to the accompanying drawings. Attached Figure Description

[0017] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments will be briefly introduced below. It should be understood that the following drawings only show some embodiments of this application and should not be regarded as a limitation of the scope. For those skilled in the art, other related drawings can be obtained based on these drawings without creative effort.

[0018] Figure 1 A flowchart of a cross-business data processing method provided in an embodiment of this application is shown; Figure 2 This illustration shows a schematic diagram of the relationship between a first business product and a second business product provided in an embodiment of this application; Figure 3 This illustration shows a schematic diagram of the structure of a cross-service data processing apparatus provided in an embodiment of this application; Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of this application is shown. 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, and not all embodiments. The components of the embodiments of this application described and shown in the accompanying drawings can generally be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of this application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application without inventive effort are within the scope of protection of this application.

[0020] With the diversification of internet platform businesses, platforms simultaneously operate multiple business products (such as product sales and service provision), each typically deployed in an independent backend system or database module. To achieve cross-business user incentives, it's necessary to automatically generate deduction benefits for users in business B based on data generated during transactions in business A. This presents the following specific technical challenges: 1) When a user completes a transaction in the first business, the specific data of that transaction (such as the actual amount paid and the cost amount) already exists in the system of the first business, but it cannot be captured in a timely and accurate manner and used to trigger the cross-business rights issuance process. This results in a significant delay between the completion of the transaction and the readiness of the rights, and may even require manual intervention, making it difficult to achieve real-time and automatic cross-business linkage.

[0021] 2) Determining the face value (resource limit) is crucial when generating cross-business discount benefits. Existing technologies typically use preset fixed face values ​​or simple static ratios. This approach cannot perform real-time, dynamic, and personalized calculations based on core data of each transaction (such as profit margins), resulting in potentially inaccurate allocation limits that are either insufficient to incentivize users to spend across businesses or lead to resource waste.

[0022] Based on this, embodiments of this application provide a cross-business data processing method, apparatus, electronic device, and readable storage medium to reduce the delay from transaction completion to the start of incentive calculation, improve the automation and timeliness of the processing flow, and ensure that the generated electronic coupon value can effectively incentivize users while also achieving rational and personalized configuration of platform resources, thereby improving the accuracy of resource allocation and the intelligence level of the system.

[0023] In one embodiment of this application, the cross-business data processing method can run on the platform's server. The platform may simultaneously collaborate with third-party suppliers in a "joint venture" model to sell goods or services (as a first business product) and operate its own business (as a second business product). This embodiment aims to transform the transaction value generated by users in the joint venture business into incentives for them to experience or consume the platform's self-operated business, thereby facilitating data and traffic flow between businesses. The following is a description of an embodiment.

[0024] To facilitate understanding of this embodiment, a cross-business data processing method disclosed in this application embodiment will first be described in detail. For example... Figure 1 As shown, the method includes the following steps S101-S104: S101: In response to the user's transaction completion instruction for the first business product, obtain the transaction data corresponding to the transaction completion instruction; the transaction data includes the actual payment amount and the cost amount. S102: Calculate the price difference data based on the actual amount paid and the cost amount; S103: Input the price difference data into the pre-set rule engine so that the rule engine processes the price difference data according to the configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons; S104: Based on the resource quota data, generate an electronic coupon for deducting the cost of the second business product and link the electronic coupon to the user's account; the electronic coupon is used by the user to deduct the cost when paying for the second business product.

[0025] In step S101, as Figure 2 As shown, the first business product is goods (physical goods) or services jointly operated by the platform and third-party suppliers.

[0026] When a user completes a transaction within the platform's affiliated services, such as successfully booking a hotel service (a type of primary business product) provided by a third-party travel agency, the affiliated business system generates a transaction completion instruction. This instruction typically includes information such as the unique order number and user identifier for this transaction, and is published in real time to the platform's server executing this method through a predefined event bus, message queue, or API interface within the platform.

[0027] The server subscribes to or listens for such events. Upon receiving a transaction completion instruction, it queries the affiliated business system or the platform's unified order center based on the order number to obtain detailed transaction data for that order. This transaction data includes at least the actual payment amount and the cost amount. The actual payment amount refers to the amount the user actually pays for the primary business product, while the cost amount is the cost the platform needs to settle with the third-party supplier of the primary business product. Different primary business products may have different third-party suppliers; that is, the platform typically partners with different third-party suppliers for different goods or services.

[0028] In step S102, the difference between the actual payment amount and the cost amount is calculated, and this difference is used as the price difference data. For example, assuming a user purchases the first business product on the platform, the actual payment amount is 100 yuan, and the cost amount is 80 yuan, then the price difference data is 100-80=20 yuan.

[0029] In step S103, the rule engine is pre-configured with the ratio parameters and limit threshold parameters for each first business product. The ratio parameters and limit threshold parameters for different first business products may be different. For the same first business product, the ratio parameters and limit threshold parameters for different batches of first business products may also be different.

[0030] The specific ratio parameter can be the cashback ratio, which is usually greater than 0 and less than 1, for example, 5%.

[0031] The data threshold includes an upper limit and / or a lower limit for the face value of the e-coupon. The upper limit refers to the maximum face value of a single e-coupon, such as 30 yuan, used to control the cost per incentive transaction. The lower limit refers to the minimum face value of a single e-coupon, such as 5 yuan, used to ensure the incentive is genuinely attractive.

[0032] In one possible implementation, when the rule engine processes the price difference data according to the configured ratio parameter and the quota threshold parameter in step S103 and outputs resource quota data for determining the face value of the electronic coupon, it can be specifically executed according to the following steps S1031-S1032: S1031: Based on the configured ratio parameters, calculate the product of the price difference data and the ratio parameters to obtain the initial resource quota data; S1032: Adjust the initial resource quota data based on the quota threshold parameter to obtain the resource quota data.

[0033] When performing step S1032, the specific steps can be as follows: When the quota threshold parameter includes the upper limit threshold, if the initial resource quota data exceeds the upper limit threshold, the upper limit threshold will be used as the resource quota data. When the quota threshold parameter includes a lower limit threshold, if the initial resource quota data is lower than the lower limit threshold, the lower limit threshold will be used as the resource quota data.

[0034] For example, assuming the configured ratio parameter is 5% and the price difference is 20 yuan, the calculated initial resource quota is 5% × 20 = 1 yuan. If the upper limit threshold is 50 yuan and the lower limit threshold is 5 yuan, since the initial resource quota of 1 yuan is lower than the lower limit threshold of 5 yuan, the lower limit threshold of 5 yuan is used as the resource quota.

[0035] This process enables dynamic and personalized calculations based on the profit of each transaction, while ensuring a reasonable range for incentive amounts through thresholds.

[0036] In step S104, as Figure 2 As shown, the second business product is goods or services operated by the platform itself. These goods or services include at least one of the following: parking services, charging services, and physical goods; electronic coupons are corresponding electronic parking coupons, electronic charging coupons, and product coupons; these electronic coupons are used to deduct the cost of the corresponding product incurred by the user when using the platform's goods or services.

[0037] In this embodiment, after obtaining the final resource quota data, the server immediately calls the service interface of the platform's electronic coupon center to initiate a coupon issuance request. The request parameters explicitly specify: face value (resource quota data), coupon type, applicable business scope, and affiliated user.

[0038] The coupon type is determined based on the type of secondary business product the user is intended to access. For example, if the secondary business product is parking service, a parking coupon is generated; if it's charging service, a charging coupon is generated; and if it's physical goods shopping, a goods coupon is generated. The applicable business scope limits the coupon to deducting fees only from the specified secondary business product. The attributable user is the user ID corresponding to the transaction completion instruction.

[0039] The electronic coupon center generates an electronic coupon based on the request and directly links it to the user's platform account, establishing a one-to-one association. Once the association is successful, the electronic coupon is issued to the user's platform account and becomes visible to the user. In this embodiment, the electronic coupon can only be used by the associated account to deduct fees when paying for a second service product.

[0040] In one possible implementation, after performing step S104 to link the electronic coupon to the user's account, the following steps may also be performed: Send a notification to the user that the electronic coupon has been successfully issued.

[0041] In this embodiment, a notification of successful electronic coupon issuance is sent to the user via one or more of the following methods: app pop-up window, app push, SMS, or official account notification. For example, an SMS message may be sent to the user: Congratulations! Your hotel booking has been successful! You have received a 5 yuan parking coupon, which has been deposited into your account.

[0042] In one possible implementation, after performing step S104 to link the electronic coupon to the user's account, the following steps may also be performed: In response to a payment request for a second business product, the system displays an associated e-coupon for the user to use and redeems the e-coupon based on the user's choice to deduct the cost when paying for the second business product.

[0043] In this embodiment, after a user obtains an electronic coupon for the second service product, when the user uses the platform to book parking services, the server automatically queries and displays available parking coupons in the user's platform account on the parking service order payment page. After the user selects to use the 5 yuan parking coupon, the server verifies it, and 5 yuan will be directly deducted from the total cost of the parking service order.

[0044] Based on the same technical concept, embodiments of this application also provide a cross-business data processing apparatus, such as... Figure 3 As shown, the device includes: The acquisition module 301 is used to acquire transaction data corresponding to the transaction completion instruction in response to the user's transaction completion instruction for the first business product; the transaction data includes the actual payment amount and the cost amount. Calculation module 302 is used to calculate the price difference data based on the actual payment amount and the cost amount; Processing module 303 is used to input the price difference data into a pre-set rule engine, so that the rule engine processes the price difference data according to the configured ratio parameter and the quota threshold parameter, and outputs resource quota data for determining the face value of electronic coupons; The generation module 304 is used to generate an electronic coupon for deducting the cost of the second business product based on the resource quota data, and associate the electronic coupon with the user's account; the electronic coupon is used by the user to deduct the cost when paying for the second business product.

[0045] Optionally, the first business product is goods or services jointly operated by the platform and third-party suppliers; the second business product is goods or services of the platform.

[0046] Optionally, the goods or services on the platform include at least one of parking services, charging services, and physical goods, and the electronic coupons are corresponding electronic parking coupons, electronic charging coupons, and product coupons; the electronic coupons are used to deduct the cost of the corresponding products incurred by the user when using the goods or services on the platform.

[0047] Optionally, when the processing module 303 is used to enable the rule engine to process the price difference data according to the configured ratio parameter and the quota threshold parameter, and output resource quota data for determining the face value of the electronic coupon, it is specifically used for: Based on the configured ratio parameters, the product of the price difference data and the ratio parameters is calculated to obtain the initial resource quota data; The initial resource quota data is adjusted based on the quota threshold parameter to obtain the resource quota data.

[0048] Optionally, the threshold parameter includes an upper limit threshold and / or a lower limit threshold for the electronic coupon value; the processing module 303, in adjusting the initial resource quota data based on the threshold parameter to obtain the resource quota data, specifically performs the following: When the quota threshold parameter includes the upper limit threshold, if the initial resource quota data exceeds the upper limit threshold, then the upper limit threshold is used as the resource quota data; When the quota threshold parameter includes the lower limit threshold, if the initial resource quota data is lower than the lower limit threshold, then the lower limit threshold is used as the resource quota data.

[0049] Optionally, the device further includes: The distribution module is used to send a notification to the user that the electronic coupon has been successfully distributed after the generation module 304 associates the electronic coupon with the user's account.

[0050] Optionally, the device further includes: The deduction module is used to, after the generation module 304 associates the electronic coupon with the user's account, in response to a payment request for the second business product, display the associated electronic coupon to the user for use, and redeem the electronic coupon based on the user's choice to deduct the cost when paying for the second business product.

[0051] Figure 4A schematic diagram of an electronic device provided in this application embodiment includes: a processor 401, a memory 402, and a bus 403. The memory 402 stores machine-readable instructions executable by the processor 401. When the electronic device runs the above-described information processing method, the processor 401 and the memory 402 communicate through the bus 403. The processor 401 executes the machine-readable instructions to perform the steps of the method described in Embodiment 1.

[0052] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working process of the above-described device and electronic equipment can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0053] In the several embodiments provided in this application, it should be understood that the disclosed methods, apparatus, and electronic devices can be implemented in other ways. The apparatus embodiments described above are merely illustrative. For example, the division of modules is only a logical functional division, and in actual implementation, there may be other division methods. Furthermore, multiple modules or components may be combined or integrated into another system, or some features may be ignored or not executed. Additionally, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some communication interfaces; indirect couplings or communication connections between devices or modules may be electrical, mechanical, or other forms.

[0054] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0055] In addition, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0056] If the aforementioned functions are implemented as software functional units and sold or used as independent products, they can be stored in a processor-executable, non-volatile, computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0057] Finally, it should be noted that the above-described embodiments are merely specific implementations of this application, used to illustrate the technical solutions of this application, and not to limit them. The scope of protection of this application is not limited thereto. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that any person skilled in the art can still modify or easily conceive of changes to the technical solutions described in the foregoing embodiments, or make equivalent substitutions for some of the technical features, within the scope of the technology disclosed in this application. Such modifications, changes, or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be covered within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of protection of the claims.

Claims

1. A cross-business data processing method, characterized in that, include: In response to a user's transaction completion instruction for the first business product, the system retrieves the transaction data corresponding to the transaction completion instruction; the transaction data includes the actual payment amount and the cost amount. Calculate the price difference based on the actual amount paid and the cost amount; The price difference data is input into a pre-set rule engine, so that the rule engine processes the price difference data according to the configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons; Based on the resource quota data, an electronic coupon is generated to offset the cost of the second business product, and the electronic coupon is linked to the user's account; the electronic coupon is used by the user to offset the cost when paying for the second business product.

2. The method according to claim 1, characterized in that, The first business product is goods or services jointly operated by the platform and third-party suppliers; the second business product is goods or services of the platform.

3. The method according to claim 2, characterized in that, The platform's goods or services include at least one of the following: parking services, charging services, and physical goods. The electronic coupons are corresponding electronic parking coupons, electronic charging coupons, and product coupons. The electronic coupons are used to deduct the cost of the corresponding products incurred by the user when using the platform's goods or services.

4. The method according to claim 1, characterized in that, The rule engine processes the price difference data based on the configured ratio parameters and threshold parameters, and outputs resource quota data for determining the face value of electronic coupons, including: Based on the configured ratio parameters, the product of the price difference data and the ratio parameters is calculated to obtain the initial resource quota data; The initial resource quota data is adjusted based on the quota threshold parameter to obtain the resource quota data.

5. The method according to claim 4, characterized in that, The threshold parameters include an upper limit threshold and / or a lower limit threshold for the face value of the electronic coupon; adjusting the initial resource quota data based on the threshold parameters to obtain the resource quota data includes: When the quota threshold parameter includes the upper limit threshold, if the initial resource quota data exceeds the upper limit threshold, then the upper limit threshold is used as the resource quota data; When the quota threshold parameter includes the lower limit threshold, if the initial resource quota data is lower than the lower limit threshold, then the lower limit threshold is used as the resource quota data.

6. The method according to claim 1, characterized in that, After linking the electronic coupon to the user's account, the method further includes: Send a notification to the user that the electronic coupon has been successfully issued.

7. The method according to claim 1, characterized in that, After linking the electronic coupon to the user's account, the method further includes: In response to a payment request for the second business product, the associated electronic coupon is displayed to the user for use, and the electronic coupon is redeemed based on the user's selection to deduct the cost when paying for the second business product.

8. A cross-service data processing device, characterized in that, include: The acquisition module is used to respond to a user's transaction completion instruction for the first business product and acquire the transaction data corresponding to the transaction completion instruction; the transaction data includes the actual payment amount and the cost amount; The calculation module is used to calculate the price difference data based on the actual payment amount and the cost amount; The processing module is used to input the price difference data into a pre-set rule engine, so that the rule engine processes the price difference data according to the configured ratio parameters and quota threshold parameters, and outputs resource quota data for determining the face value of electronic coupons; The generation module is used to generate an electronic coupon for deducting the cost of the second business product based on the resource quota data, and to associate the electronic coupon with the user's account; the electronic coupon is used by the user to deduct the cost when paying for the second business product.

9. An electronic device, characterized in that, include: The device includes a processor, a memory, and a bus, wherein the memory stores machine-readable instructions executable by the processor, and when the electronic device is in operation, the processor communicates with the memory via the bus, and the machine-readable instructions, when executed by the processor, perform the steps of the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, performs the steps of the method as described in any one of claims 1 to 7.

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