Service execution method and device, storage medium and electronic equipment
By generating virtual service cards for users and determining attribute data based on credit ratings, users can select target cards from their own and other users' virtual service cards. When the conditions are met, the service is executed, which solves the problem of a single service execution method and realizes the diversity and flexibility of service execution.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
- Filing Date
- 2026-01-30
- Publication Date
- 2026-05-12
AI Technical Summary
In existing technologies, business execution methods are relatively simple and lack diversity. Using user credit rating as the sole parameter results in fixed business execution methods and a lack of flexibility.
By generating virtual service cards for users and determining attribute data based on credit ratings, users can select target service cards from their own and other users' virtual service cards, and execute services when the execution conditions are met.
It enriches the business execution methods, making user credit no longer the sole parameter, increasing the flexibility and diversity of business execution. Users can interact with other users through virtual resources to determine execution permissions.
Smart Images
Figure CN122022818A_ABST
Abstract
Description
Technical Field
[0001] This specification relates to the field of computer technology, and in particular to a business execution method, apparatus, storage medium, and electronic device. Background Technology
[0002] With the development of the times, service providers have increasingly valued the credit of users who use their services. They usually use the user's credit as a parameter when providing services.
[0003] In general, the use of user credit in business operations is rather simplistic. It typically relies on a user's credit score to determine the appropriate risk control strategy, and then executes the business based on the risk control results. This results in a relatively fixed and monotonous approach to business execution, lacking diversity.
[0004] Therefore, how to improve the diversity of business execution methods is an urgent problem to be solved. Summary of the Invention
[0005] This specification provides a business execution method, apparatus, storage medium, and electronic device to partially solve the problems existing in the prior art.
[0006] The embodiments in this specification adopt the following technical solutions: This specification provides a business execution method, the method comprising: Obtain the credit rating of the target user; A virtual service card for the target user is generated based on the credit rating value; the virtual service card has attribute data, which is determined based on the credit rating value. Retrieve and display the execution conditions corresponding to the business to be executed; Determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and use the target user's virtual service card and the virtual service card selected by the target user as the target service card; When it is determined that each target service card meets the execution conditions based on the attribute data of each target service card, the service to be executed is performed for the target user.
[0007] This specification provides a business execution device, the device comprising: The credit acquisition module is used to obtain the credit rating of the target user; A generation module is used to generate a virtual service card for the target user based on the credit rating value; the virtual service card has attribute data, which is determined based on the credit rating value; The condition acquisition module is used to acquire and display the execution conditions corresponding to the business to be executed; An interaction module is used to determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and to use the target user's virtual service card and the virtual service card selected by the target user as the target service card; The execution module is used to execute the service to be executed for the target user when it is determined, based on the attribute data of each target service card, that each target service card meets the execution conditions.
[0008] This specification provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned business execution method.
[0009] This specification provides an electronic device including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, it implements the aforementioned business execution method.
[0010] This specification provides a computer program product, which includes a computer program that, when executed by a processor, implements the aforementioned business execution method.
[0011] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: This specification discloses a business execution method. The method first generates a virtual business card for the user based on their credit rating. Users not only possess their own virtual business cards but can also obtain virtual business cards from other users. When executing a business transaction, execution conditions are first displayed. The user selects a target business card from the virtual business cards obtained from other users, including their own virtual business card. When the attribute data of each target business card meets the execution conditions, the business is executed for the user. This method no longer uses the user's credit rating as a parameter in the business execution process but rather as a virtual resource held by the user. This virtual resource can not only interact with other users but also determines whether the user has the authority to execute business transactions, thus enriching the methods of business execution. Attached Figure Description
[0012] The accompanying drawings, which are included to provide a further understanding of this specification and form part of this specification, illustrate exemplary embodiments and are used to explain this specification, but do not constitute an undue limitation thereof. In the drawings: Figure 1 This is a schematic diagram of the business execution method provided in the embodiments of this specification; Figure 2This is a schematic diagram of a virtual service card provided in the embodiments of this specification; Figure 3 A schematic diagram of a service execution device provided in the embodiments of this specification; Figure 4 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed Implementation
[0013] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.
[0014] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.
[0015] Figure 1 This is a schematic diagram of the business execution method provided in the embodiments of this specification, which specifically includes the following steps: S100: Obtain the credit rating of the target user.
[0016] The business execution methods provided in this specification, Figure 1 Steps S100-S101 illustrate the process of generating a virtual service card, while steps S102-S104 illustrate the process of using the virtual service card to execute the pending service. The process of generating the virtual service card can be performed by the user's terminal, including personal computers, mobile phones, tablets, etc., or by a server located in the background. The process of using the virtual service card to execute the pending service is performed by the user's terminal. For ease of description, the following explanation will only assume that both the process of generating the virtual service card and the process of using the virtual service card to execute the pending service are performed by the user's terminal.
[0017] In the embodiments of this specification, by Figure 1 The user who generates the virtual service card using the method shown and executes the service to be performed is called the target user, and other users are users other than the target user.
[0018] The target user's terminal can first obtain the target user's credit rating from the server. This credit rating, for example, can be the target user's credit score. A higher credit rating indicates better credit, and vice versa. Since the credit rating changes dynamically as the target user performs various transactions, the terminal can obtain the target user's current credit rating from the server; historical credit ratings are not required.
[0019] S101: Generate a virtual service card for the target user based on the credit rating value; the virtual service card has attribute data, which is determined based on the credit rating value.
[0020] After the user terminal obtains the target user's current credit rating, it can generate a virtual business card with attribute data that matches the target user's current credit rating.
[0021] Once the virtual service card is generated, its attribute data will not change. Even if the target user's credit rating changes later, the attribute data of the virtual service card will remain unchanged.
[0022] The attribute data mentioned in this specification may specifically be the face value data of the virtual service card, such as... Figure 2 As shown. Figure 2 This is a schematic diagram of a virtual service card provided in the embodiments of this specification. Figure 2 The virtual service card includes at least the aforementioned attribute data, and may also include the target user's identification information, such as one or more of the user's name, nickname, and profile picture. Figure 2 Let's take profile pictures as an example.
[0023] Furthermore, the virtual service cards generated for different users in this specification can have the same or different layouts. The layout includes one or more combinations of the virtual service card's color, pattern, and shape. Specifically, when generating a virtual service card for a target user based on their current credit score, the credit score range into which it falls can be determined first. Then, a virtual service card of that layout can be generated for the target user according to a pre-set layout corresponding to that credit score range. Different credit score ranges correspond to different layouts; for example, the lower the credit score range, the simpler the color and pattern, and the higher the credit score range, the richer the colors and the more complex the pattern.
[0024] Each evaluation value range can have more than one format. Specifically, for each evaluation value range, a default format and a special format can be preset. The special format corresponds to a specific credit evaluation value within the evaluation value range, while the default format corresponds to other credit evaluation values within the evaluation value range. When generating a virtual business card for a target user based on the preset format for that evaluation value range, it can first determine whether the target user's credit evaluation value is within the specified credit evaluation value of that evaluation value range. If so, a virtual business card of that format is generated for the target user based on the special format corresponding to that evaluation value range; otherwise, a virtual business card of that format is generated for the target user based on the default format corresponding to that evaluation value range.
[0025] While generating a virtual service card for the target user using the above method, if the user terminal determines that a service card pool has not yet been created for the target user, it can send a card pool creation request to the server to request the server to create a service card pool for the target user. After the server generates a virtual service card for the target user, the user terminal can send the generated virtual service card to the server so that the server can store the target user's virtual service card in the target user's service card pool.
[0026] The above explanation uses the example of generating a virtual service card for a target user via a user terminal. If the server generates the virtual service card for the target user, in step S100, after receiving the virtual service card generation request sent by the user terminal used by the target user, the server can obtain the target user's credit rating value. In step S101, the server generates the virtual service card for the target user using the above method, creates a service card pool for the target user, stores the virtual service card in the service card pool, and finally returns the generated virtual service card to the user terminal for display. Further details will not be elaborated here.
[0027] In addition to creating a business card pool for the target user and storing the target user's virtual business card in the business card pool, the target user can also obtain other users' virtual business cards and store them in their own business card pool, or provide their own virtual business cards to other users.
[0028] Specifically, the target user's terminal can obtain user information from other users. Specifically, the target user's terminal can scan graphic codes (such as barcodes, QR codes, etc.) that encode other users' user information to obtain that user information encoded in the graphic code, or it can obtain strings that encode other users' user information. Then, a designated application running on the user terminal can decode the other user's user information from the string. Whether using graphic codes or strings, the user information of other users and the business identifier of the subsequent pending business can be encoded in the graphic code or string. After obtaining the graphic code or string, the target user's terminal can decode the user information and business identifier encoded in the graphic code or string through the running designated application. The business identifier can then trigger the subsequent process of obtaining the virtual business card of the other user corresponding to that user information. When the process of obtaining virtual service cards for other users corresponding to the user information is triggered by the service identifier, the target user's terminal can first determine whether a virtual service card has already been generated for the target user. If not, it can be generated through steps S100-S101. If it has already been generated, the process of obtaining virtual service cards for other users corresponding to the user information can continue. In addition to being triggered by decoding the service identifier as described above, the process of generating a virtual service card through steps S100-S101 can also be triggered by the target user's operation on the interface of the specified application.
[0029] After obtaining the user information of other users, the target user's terminal can send a request to the server to obtain the virtual service card of the other user. The server can then forward the request to the other user's terminal. Upon receiving the permission response message from the other user based on the request, the server can either directly obtain a copy of the other user's virtual service card and store it in the target user's service card pool, or send the permission response message and the copy to the target user's terminal, so that the target user's terminal stores the copy in its service card pool. At the same time, the target user's terminal or the server also needs to generate a copy of the target user's virtual service card and provide it to the other user, that is, so that the other user stores the copy of the target user's virtual service card in its own service card pool.
[0030] Alternatively, the target user's terminal can also provide other users with a graphical code or string encoding the target user's user information and service identifier, allowing other users' terminals to decode the service identifier and user information. Next, in response to the service identifier, other users' terminals can send a request to the target user's terminal via the server to obtain the target user's virtual service card, based on the obtained user information. Upon receiving the request, the target user's terminal can display an inquiry asking whether the target user allows the other user to obtain the target user's virtual service card. If the target user's terminal, based on the target user's action, returns a permission response message to the other user's terminal via the server, then the target user's terminal or the server can generate a copy of the target user's virtual service card and provide it to the other user. It can also obtain a copy of the other user's virtual service card and store it in the target user's service card pool. This process is identical to the process described above where the target user's terminal obtains a copy of the other user's virtual service card after acquiring the user information, and will not be elaborated further here.
[0031] That is, whether the target user's user terminal obtains the user information of other users, or the user terminal of other users obtains the user information of the target user, the target user and other users can obtain copies of each other's virtual service cards.
[0032] It should be noted that for the target user (any user can be the target user), the attribute data of the target user's virtual business card and its copy are the same, and the virtual business card and its copy are also functionally identical. Both can be used as resources required by the target user to perform business operations. The virtual business card and its copy can also be identical in appearance. The reason for distinguishing between the virtual business card and its copy is that after other users obtain the copy of the target user's virtual business card, the target user's virtual business card itself will still remain in the target user's business card pool and will not disappear.
[0033] S102: Obtain and display the execution conditions corresponding to the business to be executed.
[0034] In the embodiments described in this specification, the server can publish the execution conditions corresponding to the business to be executed, so that each user can obtain and display the execution conditions from the server through their respective user terminals. Specifically, the execution condition may be that the sum of the attribute data of the target business card equals a preset target value. This preset target value may be pre-configured in the server and may vary at different times.
[0035] S103: Determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and use the target user's virtual service card and the virtual service card selected by the target user as the target service card.
[0036] Since the target user not only has their own virtual service card but also can obtain virtual service cards from other users (i.e., copies of other users' virtual service cards, hereinafter referred to as other users' virtual service cards), the attribute data of different users' virtual service cards may not be the same. The condition for executing the aforementioned service is that the sum of the attribute data of the selected target service cards equals a preset target value. Therefore, the target user's terminal can display all the virtual service cards currently stored in the target user's service card pool. The target user can then select no more than a specified number of virtual service cards from the virtual service cards of other users stored in their service card pool as target service cards. The target user's terminal can then use both the virtual service cards selected by the target user and the target user's own virtual service cards as target service cards. This specified number can also be pre-configured in the aforementioned execution conditions.
[0037] To facilitate the target user's execution of the pending service, since the execution condition for the pending service is to select no more than a specified number of other users' virtual service cards, such that the sum of the attribute data of the selected other users' virtual service cards and the target user's own virtual service card equals a preset target value, the target user's terminal can also, based on the above execution conditions and the attribute data of all other users' virtual service cards obtained by the target user, employ a preset greedy optimization algorithm. The optimization objective is that the attribute data of each selected target service card satisfies the above execution conditions. The constraints are that at least the target user's own virtual service card must be selected as the target service card, and the number of selected other users' virtual service cards must not exceed the specified number. The target service card is then selected from the virtual service cards of all other users obtained by the target user, and the selected target service cards are recommended to the target user.
[0038] S104: When it is determined that each target service card meets the execution conditions based on the attribute data of each target service card, the service to be executed is performed for the target user.
[0039] Whether the target user selects the target service card themselves or the target user's terminal recommends a target service card, the target user can change the selected target service card themselves, as long as the target service card includes the target user's own virtual service card. Once the sum of the attribute data of the selected target service cards equals the preset target value, the target user's terminal can issue a prompt message to indicate that the execution conditions have been met and the pending service can be executed. When the target user confirms the execution of the pending service based on the currently selected target service card, the target user can send an execution request to the server through their terminal, and the server can then execute the pending service for the target user. If the sum of the attribute data of the selected target service cards equals the preset target value, the terminal will refuse to send the execution request to the server.
[0040] The execution request can carry the target user's user identifier and the card identifiers of the selected target service cards. Upon receiving the execution request, the server first determines the target service card corresponding to each card identifier carried in the request, and then verifies whether the sum of the attribute data of each target service card equals a preset target value. If the verification passes, the server executes the pending service for the target user based on the user identifier carried in the execution request; otherwise, it refuses to execute the pending service for the target user. Of course, since the user terminal has already verified whether the sum of the attribute data of each target service card equals the preset target value, and if it does not equal it, the user terminal will not send an execution request, to improve service execution efficiency, the execution request may not need to carry the card identifiers of each target service card, and the server may not need to verify them. However, to improve service execution security, the execution request can carry the card identifiers of each target service card, and the server verifies them using the above method before executing the pending service.
[0041] When executing the pending business, the server can first determine whether there are special business cards among the target business cards with preset special attribute data. Special business cards are virtual business cards with a special format and attribute data of a specified credit rating value, as described above. If no special business card exists, the server can provide the target user with the default resource corresponding to the pending business. If a special business card exists, the server can determine the weight pre-set for the special attribute data corresponding to that special business card, and then determine the target resource based on the weight and the default resource, and provide the target resource to the target user. The resources mentioned in this specification include, but are not limited to, amounts, coupons, etc. The default resource can be a default amount or coupon. Based on the weight pre-set for the special attribute data corresponding to that special business card and the default resource, the target resource can be determined by multiplying the weight by the default amount, and the amount equal to this product, such as the amount or coupon, can be provided to the target user.
[0042] In addition, in the embodiments of this specification, the resources obtained by the target user through performing the pending service, besides the aforementioned monetary amount or coupons, may also include the number of times other services can be performed. These other services may include a card collection activity. Specifically, in a card collection activity, the target user can obtain monetary amount or coupons by collecting a specified type of card. The method for collecting these specified types of cards may include the target user's user terminal or server randomly generating cards for the target user, or the target user directly obtaining cards already collected by other users through their user terminal. Since the number of times the target user's user terminal or server can randomly generate cards for the target user is usually limited, the resources obtained by the target user through performing the pending service may also include additional times the target user's user terminal or server randomly generates cards for the target user to perform the aforementioned card collection activity.
[0043] In the embodiments described in this specification, Figure 1 In step S101, the service card pool created for the target user also has a maximum capacity. Therefore, when the target user obtains a copy of another user's virtual service card by obtaining the user information of another user, or when another user provides a copy of another user's virtual service card to the target user by obtaining the user information of the target user, the user terminal or server of the target user can first determine the number of virtual service cards (including the target user's own virtual service card and copies of other users' virtual service cards stored in the service card pool) and the maximum capacity of the current service card pool. If the number of stored virtual service cards has not reached the maximum capacity, then the copies of other users' virtual service cards obtained at the moment can be stored in the service card pool.
[0044] If the number of stored virtual service cards has reached the maximum capacity, copies of other users' virtual service cards acquired recently can be used as pending service cards and not added to the service card pool yet. This will continue until the maximum capacity of the service card pool increases. Then, based on the user's selection from all pending service cards, the user-selected service card will be added to the service card pool after the maximum capacity is increased. Alternatively, copies of other users' virtual service cards acquired recently can be discarded directly. Alternatively, based on the target user's actions, at least one virtual service card selected by the target user that is already stored in the service card pool can be discarded before storing copies of other users' virtual service cards in the service card pool.
[0045] The maximum capacity of this service card pool can be increased under certain conditions. Specifically, the target user's terminal or server can monitor whether the target user has executed the preset operation within a preset time period for each preset operation. If so, the maximum capacity of the service card pool is increased according to the capacity increment pre-configured for that preset operation; that is, the capacity increment is added to the current maximum capacity of the service card pool. The preset operation may include, but is not limited to, setting the service entry point of the service to be executed on the homepage of the specified application, browsing a page within the specified application, etc. These preset operations can be set as needed, and the preset operations set in different preset time periods can be the same, partially the same, or completely different.
[0046] Since the service card pool in this embodiment has a maximum capacity, in order to prevent the target user from obtaining multiple copies of other users' virtual service cards in a very short period of time, which would cause the target user's terminal or server to mistakenly believe that the number of virtual service cards already stored has not reached the maximum capacity and simultaneously store copies of these other users' virtual service cards in the service card pool, thus causing the number of virtual service cards stored in the service card pool to exceed the maximum capacity, in this embodiment, the time interval between each two adjacent acquisitions of a copy of another user's virtual service card is not less than a preset time interval. This preset time interval can be 1 second, that is, only one copy of another user's virtual service card is allowed to be acquired within 1 second, or in other words, the server only acquires one copy of another user's virtual service card for the target user within 1 second.
[0047] The above is a business execution method provided by the embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media and electronic devices.
[0048] Figure 3 This is a schematic diagram of a service execution device provided in an embodiment of this specification. The device includes: Credit acquisition module 300 is used to acquire the credit rating of the target user; The generation module 301 is used to generate a virtual service card for the target user based on the credit rating value; the virtual service card has attribute data, which is determined based on the credit rating value; Condition acquisition module 302 is used to acquire and display the execution conditions corresponding to the business to be executed; The interaction module 303 is used to determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and to use the virtual service card of the target user and the virtual service card selected by the target user as the target service card; The execution module 304 is used to execute the service to be executed for the target user when it is determined that each target service card meets the execution conditions based on the attribute data of each target service card.
[0049] Optionally, the credit acquisition module 300 is specifically used to acquire the current credit rating of the target user; The generation module 301 is specifically used to generate a virtual business card with attribute data equal to the current credit rating of the target user, based on the target user's current credit rating, while the face value of the virtual business card remains unchanged.
[0050] Optionally, the generation module 301 is specifically used to create a service card pool for the target user and generate a virtual service card for the target user; and store the virtual service card of the target user in the service card pool.
[0051] Optionally, the generation module 301 is further configured to: obtain user information of other users; send an acquisition request to the other users for obtaining the virtual service card of the other users based on the user information of the other users; after receiving an acquisition permission response message returned by the other users based on the acquisition request, obtain a copy of the virtual service card of the other users; store the copy of the virtual service card of the other users in the service card pool; and provide a copy of the virtual service card of the target user to the other users; or, receive an acquisition request from other users for obtaining the virtual service card of the target user based on the user information of the target user; return an acquisition permission response message to the other users based on the operation of the target user; provide a copy of the virtual service card of the target user to the other users; obtain a copy of the virtual service card of the other users; and store the copy of the virtual service card of the other users in the service card pool.
[0052] Optionally, the generation module 301 is specifically configured to: determine the number of virtual service cards already stored in the current service card pool and the maximum capacity of the current service card pool; if the number of stored virtual service cards has not reached the maximum capacity, then store copies of the virtual service cards of other users in the service card pool; if the number of stored virtual service cards has reached the maximum capacity, then use copies of the virtual service cards of other users as service cards to be added, or discard copies of the virtual service cards of other users, or, according to the operation of the target user, discard at least one stored virtual service card selected by the target user and then store copies of the virtual service cards of other users in the service card pool.
[0053] Optionally, the service card pool has a maximum capacity; The generation module 301 is further configured to monitor whether the target user has performed the preset operation within a preset time period for each preset operation; if so, increase the maximum capacity of the service card pool according to the capacity increment pre-configured for the preset operation.
[0054] Optionally, the interaction module 303 is specifically used to: determine, based on the operation of the target user, the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user; or, based on the execution conditions and the attribute data of the virtual service cards of other users obtained by the target user, adopt a preset greedy optimization algorithm, with the attribute data of the selected target service cards satisfying the execution conditions as the optimization objective, and with the constraint of selecting at least the virtual service card of the target user as the target service card, select the target service card from the virtual service cards of other users obtained by the target user, and recommend the selected target service cards to the target user.
[0055] Optionally, the execution condition includes the sum of the attribute data of each target service card being equal to a preset target value; The execution module 304 is specifically used to: when the sum of the attribute data of each target service card is equal to the preset target value, determine whether there is a special service card among the target service cards whose attribute data is preset special attribute data; if not, provide the target user with the default resource corresponding to the service to be executed; if it exists, determine the weight preset for the special attribute data corresponding to the special service card, and determine the target resource according to the weight and the default resource, and provide the target resource to the target user.
[0056] This specification also provides a computer-readable storage medium storing a computer program that, when executed by a processor, can be used to perform the business execution method provided above.
[0057] This specification also provides a computer program product, which includes a computer program that, when executed by a processor, implements the business execution method provided above.
[0058] based on Figure 1 The business execution method shown in this specification is further provided in the embodiments. Figure 4 The diagram shows the structure of the electronic device. Figure 4 At the hardware level, the electronic device includes a processor, internal bus, network interface, memory, and non-volatile storage, and may also include other hardware required for business operations. The processor reads the corresponding computer program from the non-volatile storage into memory and then runs it to implement the aforementioned business execution method.
[0059] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.
Claims
1. A business execution method, the method comprising: Obtain the credit rating of the target user; Based on the credit rating, a virtual service card for the target user is generated; The virtual service card has attribute data, which is determined based on the credit rating value; Retrieve and display the execution conditions corresponding to the business to be executed; Determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and use the target user's virtual service card and the virtual service card selected by the target user as the target service card; When the attribute data of each target service card is used to determine that each target service card meets the execution conditions, the service to be executed is performed for the target user.
2. The method as described in claim 1, specifically including: obtaining the credit rating of the target user, further comprising: Obtain the target user's current credit rating; Based on the credit rating, a virtual service card for the target user is generated, specifically including: Based on the target user's current credit rating, a virtual business card with attribute data equal to the target user's current credit rating is generated, while the face value of the virtual business card remains unchanged.
3. The method as described in claim 1, generating the virtual service card for the target user, specifically includes: Create a service card pool for the target user and generate a virtual service card for the target user; The virtual service card of the target user is stored in the service card pool.
4. The method of claim 3, further comprising: Obtain user information from other users; based on the user information, send a request to the other users to obtain their virtual service cards; upon receiving a permission response message from the other users based on the request, obtain a copy of the other users' virtual service cards, store the copy in the service card pool, and provide the target user's copy of the virtual service card to the other users; or, The system receives a request from another user to obtain the target user's virtual service card based on the target user's user information. After returning an allow response message to the other user based on the target user's operation, the system provides a copy of the target user's virtual service card to the other user, obtains a copy of the other user's virtual service card, and stores the copy of the other user's virtual service card in the service card pool.
5. The method as described in claim 4, wherein storing copies of the virtual service cards of the other users in the service card pool specifically includes: Determine the number of virtual service cards currently stored in the service card pool and the maximum capacity of the service card pool. If the number of stored virtual service cards has not reached the maximum capacity, then copies of the virtual service cards of the other users are stored in the service card pool; If the number of stored virtual service cards reaches the maximum capacity, then copies of the virtual service cards of other users are used as service cards to be added, or copies of the virtual service cards of other users are discarded, or, according to the operation of the target user, at least one stored virtual service card selected by the target user is discarded, and then copies of the virtual service cards of other users are stored in the service card pool.
6. The method as described in claim 3, wherein the service card pool has a maximum capacity; The method further includes: For each preset operation, monitor whether the target user has performed the preset operation within a preset time period; If so, the maximum capacity of the service card pool is increased according to the capacity increment pre-configured for the preset operation.
7. The method as described in claim 1, wherein determining the virtual service card selected by the target user from virtual service cards of other users obtained by the target user, specifically includes: Based on the target user's actions, determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user; or, Based on the execution conditions and the attribute data of the virtual service cards of other users obtained by the target user, a preset greedy optimization algorithm is adopted. The optimization objective is to ensure that the attribute data of the selected target service cards meets the execution conditions. The constraint is to select at least the virtual service card of the target user as the target service card. The algorithm selects the target service card from the virtual service cards of other users obtained by the target user and recommends the selected target service cards to the target user.
8. The method as described in claim 1 or 7, wherein the execution condition includes the sum of the attribute data of each target service card being equal to a preset target value; When it is determined, based on the attribute data of each target service card, that each target service card meets the execution conditions, the service to be executed is performed for the target user, specifically including: When the sum of the attribute data of each target service card is equal to the preset target value, determine whether there is a special service card among the target service cards whose attribute data is the preset special attribute data; If it does not exist, then provide the target user with the default resource corresponding to the service to be executed; If it exists, the weights pre-set for the special attribute data corresponding to the special service card are determined, and the target resources are determined based on the weights and the default resources, and the target resources are provided to the target user.
9. A business execution apparatus, the apparatus comprising: The credit acquisition module is used to obtain the credit rating of the target user. A generation module is used to generate a virtual service card for the target user based on the credit rating value; the virtual service card has attribute data, which is determined based on the credit rating value; The condition acquisition module is used to acquire and display the execution conditions corresponding to the business to be executed; An interaction module is used to determine the virtual service card selected by the target user from the virtual service cards of other users obtained by the target user, and to use the target user's virtual service card and the virtual service card selected by the target user as the target service card; The execution module is used to execute the service to be executed for the target user when it is determined, based on the attribute data of each target service card, that each target service card meets the execution conditions.
10. A computer-readable storage medium storing a computer program that, when executed by a processor, implements the method described in any one of claims 1-8.
11. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the program, implements the method according to any one of claims 1-8.
12. A computer program product comprising a computer program that, when executed by a processor, implements the method described in any one of claims 1-8.