积分组合优惠交易方法及装置

Point combination preferential transaction method and device

文档序号：9091 发布日期：2021-09-17 浏览：168次中文

1. A method for a credit combined offer transaction, comprising:

receiving an order transaction request transmitted by a merchant terminal, wherein the order transaction request comprises sub-order information of a plurality of sub-orders;

determining whether a target sub-order with an integral discount rule exists in a plurality of sub-orders according to the sub-order information;

and if so, determining the sub-order amount of all target sub-orders according to the available points corresponding to the order transaction request and returning the sub-order amount to the merchant terminal.

2. The credit combined offer transaction method according to claim 1, further comprising:

and if other sub-orders except the target sub-order exist in all the sub-orders, determining the sub-order amount of other sub-orders according to the sub-order information of other sub-orders and returning the sub-order amount to the merchant terminal.

3. The credit combined offer transaction method according to claim 1, further comprising:

and if not, determining the sub-order amounts of all the sub-orders according to the sub-order information of the sub-orders and returning the sub-order amounts to the merchant terminal.

4. The credit combined discount transaction method according to claim 1, wherein determining whether a target sub-order with credit discount rules exists in a plurality of sub-orders according to the sub-order information specifically comprises:

determining whether each piece of sub-order information contains at least one of an integral cash-out rule and an integral preference rule according to the piece of sub-order information;

if yes, the sub-order with at least one of the point cash-out rule and the point preference rule is the target sub-order.

5. The credit combined coupon transaction method according to claim 1, wherein the determining the sub-order amounts of all target sub-orders according to the available credit corresponding to the order transaction request and returning the sub-order amounts to the merchant terminal specifically comprises:

determining corresponding user information according to the order transaction request;

inquiring available points corresponding to the user information from an integration library according to the user information;

and inputting the available points and the order transaction request into a corresponding point discount model to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal.

6. The credit combined discount transaction method according to claim 5, wherein the step of inputting the available credit and the corresponding credit discount model of the order transaction request to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal specifically comprises:

when the available integral is 0, determining the amount of the sub-order according to the sub-order information of each target sub-order;

and when the available integral is not 0, determining the feasible sub-order amount of all the target sub-orders in different integral distribution modes based on the integral counter-present condition and the integral preference condition of each target sub-order according to the available integral, and determining the sub-order amount of each target sub-order according to the feasible sub-order amount in different integral distribution modes.

7. The credit combined discount transaction method according to claim 6, wherein the determining the sub-order amount of each target sub-order according to the feasible sub-order amounts in different credit allocation manners specifically comprises:

calculating the sum of all feasible sub-order sums under different point distribution modes;

and determining the feasible sub-order amount with the minimum sum in all point distribution modes as the sub-order amount of the target sub-order.

8. The method of claim 1, wherein the determining the amount of the feasible sub-orders of each target sub-order based on the point coverage condition and the point preference condition to form all target sub-orders in different point distribution modes according to the available points specifically comprises:

if the available integral meets the total number of the usable integral of all the sub-orders, determining the sum after the integral is preferential as the sum of the feasible sub-orders according to the integral preferential rule of the target sub-order;

and if the available points do not meet the total number of the available points of all the sub-orders, determining the feasible sub-order amount of all the target sub-orders in different point distribution modes.

9. A loyalty point transaction device, comprising:

the information receiving module is used for receiving an order transaction request transmitted by a merchant terminal, wherein the order transaction request comprises sub-order information of a plurality of sub-orders;

the order screening module is used for determining whether a target sub-order with a point discount rule exists in the plurality of sub-orders according to the sub-order information;

10. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor,

the processor, when executing the program, implements the method of any of claims 1-8.

11. A computer-readable medium, having stored thereon a computer program,

the program when executed by a processor implementing the method according to any one of claims 1-8.

Background

With the popularization of bank credit cards, credit card point consumption becomes more and more popular, and merchants support the credit card point consumption service, so that customers can enjoy credit card point consumption when paying by using credit cards. However, the existing merchant platform credit card integral consumption processing mode is single, and some payment requirements of customers when using credit card integral consumption for shopping on the merchant platform cannot be met. For example: some merchant platforms support credit card loyalty consumption, including loyalty points, but cannot incorporate payment when there are items in the order that support loyalty points, loyalty points. The current common payment processing is as follows: 1) and only the commodities participating in the point deduction activity in the multiple small orders can be paid together with the small orders. 2) Only the commodities participating in the point-specific activity in the multiple small orders can be paid together with the small orders. 3) The multiple small orders have the commodities participating in the point cash-out and point preference activities at the same time, the payment cannot be carried out in the small orders, and the customers have to separately order the commodities participating in the point cash-out activities and the commodities participating in the point preference for payment. Therefore, the existing credit card integrated consumption payment processing mode can cause inconvenience of customer payment, has low settlement efficiency, reduces customer experience, reduces the affinity of a merchant platform, and is not beneficial to popularization of sales promotion activities of the merchant platform.

Disclosure of Invention

The invention aims to provide a credit combination discount transaction method, which can complete transaction once by considering a plurality of credit discount rules and improve user experience. Another object of the present invention is to provide a credit combination discount transaction apparatus. It is a further object of this invention to provide such a computer apparatus. It is a further object of this invention to provide such a readable medium.

In order to achieve the above object, the present invention discloses a credit combination discount transaction method, including:

receiving an order transaction request transmitted by a merchant terminal, wherein the order transaction request comprises sub-order information of a plurality of sub-orders;

determining whether a target sub-order with an integral discount rule exists in a plurality of sub-orders according to the sub-order information;

Preferably, the method further comprises the following steps:

and if not, determining the sub-order amounts of all the sub-orders according to the sub-order information of the sub-orders and returning the sub-order amounts to the merchant terminal.

Preferably, determining whether a target sub-order with a credit offer rule exists in the plurality of sub-orders according to the sub-order information specifically includes:

determining whether each piece of sub-order information contains at least one of an integral cash-out rule and an integral preference rule according to the piece of sub-order information;

if yes, the sub-order with at least one of the point cash-out rule and the point preference rule is the target sub-order.

Preferably, the determining the sub-order amounts of all target sub-orders according to the available points corresponding to the order transaction request and returning the sub-order amounts to the merchant terminal specifically includes:

determining corresponding user information according to the order transaction request;

inquiring available points corresponding to the user information from an integration library according to the user information;

Preferably, the inputting the available points and the corresponding point discount model of the order transaction request to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal specifically includes:

when the available integral is 0, determining the amount of the sub-order according to the sub-order information of each target sub-order;

Preferably, the determining the sub-order amount of each target sub-order according to the feasible sub-order amounts in different point distribution modes specifically comprises:

calculating the sum of all feasible sub-order sums under different point distribution modes;

and determining the feasible sub-order amount with the minimum sum in all point distribution modes as the sub-order amount of the target sub-order.

Preferably, the determining, according to the available points, the feasible sub-order amounts of all the target sub-orders formed in different point distribution modes based on the point cancel conditions and the point preference conditions includes:

The invention also discloses a credit combination preferential transaction device, which comprises:

the order screening module is used for determining whether a target sub-order with a point discount rule exists in the plurality of sub-orders according to the sub-order information;

The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,

the processor, when executing the program, implements the method as described above.

The invention also discloses a computer-readable medium, having stored thereon a computer program,

which when executed by a processor implements the method as described above.

The invention can receive the order transaction request transmitted by the merchant terminal, wherein the order transaction request comprises a plurality of sub-orders, and each sub-order comprises corresponding sub-order information. Further, whether the sub-orders have the credit discount rule or not can be determined according to the sub-order information of the sub-orders in the order transaction request, and if yes, the sub-orders with the credit discount rule are determined to be target sub-orders. And then, determining corresponding available points according to the order transaction request, determining the sub-order amount of each target sub-order according to the points, and returning the sub-order amounts to the merchant terminal so that the merchant terminal completes the order transaction according to the sub-order amounts. The invention overcomes the defect that the order payment can not be carried out by simultaneously using multiple point preferential rules when the multiple point preferential rules exist in the conventional point order payment, and respectively calculates the amount of the sub-order according to the available points of the order transaction request, so that the merchant terminal carries out one-time transaction payment according to the amounts of all the sub-orders, thereby improving the transaction portability of the user and improving the transaction efficiency and the user experience.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a schematic diagram of a particular embodiment of a point and offer transaction system of the present invention;

FIG. 2 is a flow diagram illustrating a specific embodiment of a point combination offer transaction method of the present invention;

FIG. 3 is a flow chart of a specific embodiment of the loyalty and coupon transaction method S200 of the present invention;

FIG. 4 is a flow chart of a specific embodiment of the point combination offer transaction method S300 according to the present invention;

FIG. 5 is a flow chart of a specific embodiment of the point combination offer transaction method S330 of the present invention;

FIG. 6 is a flowchart of a specific embodiment S332 of the credit combined offer transaction method according to the present invention;

FIG. 7 is a second flowchart of the combined credit offer transaction method according to an embodiment S332 of the present invention;

FIG. 8 is a flow chart of a specific embodiment of the point combination offer transaction method S600 of the present invention;

FIG. 9 is a block diagram of an embodiment of the credit combination coupon transaction apparatus of the present invention;

FIG. 10 shows a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the credit combination discount transaction method and device disclosed in the present application can be used in the field of financial technology, and can also be used in any field except the field of financial technology.

In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. The point combination preferential transaction method provided by the embodiment of the invention overcomes the defect that the order payment can not be carried out by using multiple point preferential rules when the multiple point preferential rules exist in the conventional point order payment at the same time, and calculates the amount of the sub-order according to the available points of the order transaction request for the target sub-order with the point preferential rules, so that the merchant terminal carries out one-time transaction payment according to the amount of all the sub-orders, the transaction portability of the user is improved, and the transaction efficiency and the user experience are improved.

Fig. 1 is a schematic structural diagram of a point combination discount transaction system provided by an embodiment of the present invention, and as shown in fig. 1, the point combination discount transaction system provided by the embodiment of the present invention includes a merchant terminal 1, a point combination discount transaction apparatus 2, and a bank server 3.

The merchant terminal 1 may form a transaction order based on the transaction operation of the user, form an order transaction request according to the transaction order, and transmit the order transaction request to the credit combined discount transaction device 2.

The point combination discount transaction device 2 is configured to receive an order transaction request transmitted by a merchant terminal, where the order transaction request includes sub-order information of multiple sub-orders, determine whether a target sub-order with a point discount rule exists in the multiple sub-orders according to the sub-order information, and if so, determine the sub-order amounts of all the target sub-orders according to available points corresponding to the order transaction request and return the sub-order amounts to the merchant terminal 1. The merchant terminal 1 may further form a total transaction amount according to the received sub-order amount of the target sub-order and the order amount of the other sub-order, form a payment request according to the total transaction amount, and send the payment request to the bank server 3 so that the bank server 3 completes transaction deduction.

The following describes an implementation process of the credit combination discount transaction method provided by the embodiment of the present invention, taking the credit combination discount transaction apparatus 2 as an execution subject. It can be understood that the execution subject of the credit combination offer transaction method provided by the embodiment of the invention includes, but is not limited to, the credit combination offer transaction device 2.

According to one aspect of the invention, the embodiment discloses a credit combination preferential transaction method. As shown in fig. 2, in this embodiment, the method includes:

s100: and receiving an order transaction request transmitted by a merchant terminal, wherein the order transaction request comprises sub-order information of a plurality of sub-orders.

S200: and determining whether a target sub-order with a point discount rule exists in the plurality of sub-orders according to the sub-order information.

S300: and if so, determining the sub-order amount of all target sub-orders according to the available points corresponding to the order transaction request and returning the sub-order amount to the merchant terminal.

In a preferred embodiment, the method further comprises:

s400: and if other sub-orders except the target sub-order exist in all the sub-orders, determining the sub-order amount of other sub-orders according to the sub-order information of other sub-orders and returning the sub-order amount to the merchant terminal.

It will be appreciated that the order in which the user requests a transaction at the merchant terminal may include a plurality of items, wherein different points offer rules may apply to different items. Specifically, when the customer uses the credit card for consumption, the customer can use the credit discount rule in two modes of credit cancellation and credit privilege. In the credit discount rule of credit deduction, credit card credit deduction can be used for deduction of corresponding payment amount. In the order of the point single pen, the total amount of the dividable sum is less than 300 yuan (including) and the total amount of the dividable sum can be used, and the total amount of the dividable sum can be deducted by 50% at most when the dividable sum exceeds the total amount of the dividable sum. In the point offer rule of the point offer, the credit card may be used to redeem the goods. For example: the real-name user can enjoy the preferential price by using the fixed point shopping, and if the point is insufficient, the user can purchase the product according to the original price.

Therefore, after the sub-order information of a plurality of sub-orders in the order transaction request is analyzed, whether a credit discount rule exists in each sub-order can be determined, and if the credit discount rule exists, the optimal sub-order amount of all target sub-orders can be determined according to the credit discount rule and the available credit corresponding to all target sub-orders. For the sub-orders which do not have the credit discount rule in the plurality of sub-orders, the sub-orders cannot use credit to discount the money amount of the orders, and the money amount of the sub-orders can be determined directly according to information such as the trading goods, the quantity and the price in the sub-order information.

In a preferred embodiment, the method further comprises:

s500: and if not, determining the sub-order amounts of all the sub-orders according to the sub-order information of the sub-orders and returning the sub-order amounts to the merchant terminal.

It is understood that, in some embodiments, after the merchant terminal forms the trade order according to the trade operation of the user, the merchant terminal may first analyze the sub-order in the trade order, determine whether the credit offer rule exists in the sub-order of the trade order to determine whether the order trade request needs to be sent to the credit combined offer transaction apparatus to re-determine the amount of the sub-order subjected to credit offer based on the credit offer rule. In other embodiments, after a transaction order is formed according to a transaction operation of a user, the merchant terminal may also directly form an order transaction request according to the transaction order, and send the order transaction request to the credit combination discount transaction apparatus, so that the credit combination discount transaction apparatus determines whether a target sub-order with credit discount rules exists in a plurality of sub-orders according to the sub-order information. If not, namely the target sub-order of the available credit discount rule does not exist in the order trading request, the money amount of the sub-order of all the sub-orders can be directly determined according to the information of the trading items, the quantity, the price and the like in the sub-order information of all the sub-orders.

In a preferred embodiment, as shown in fig. 3, the step S200 of determining whether a target sub-order with a discount rule exists in the plurality of sub-orders according to the sub-order information specifically includes:

s210: and determining whether each piece of sub-order information contains at least one of a point cash-out rule and a point preference rule according to the sub-order information.

S220: if yes, the sub-order with at least one of the point cash-out rule and the point preference rule is the target sub-order.

Specifically, it is understood that the currently commonly used credit offer rules may include credit offset rules and credit offer rules. In the credit discount rule of credit deduction, credit card credit deduction can be used for deduction of corresponding payment amount. In the order of the point single pen, the total amount of the dividable sum is less than 300 yuan (including) and the total amount of the dividable sum can be used, and the total amount of the dividable sum can be deducted by 50% at most when the dividable sum exceeds the total amount of the dividable sum. In the point offer rule of the point offer, the credit card may be used to redeem the goods. For example: the real-name user can enjoy the preferential price by using the fixed point shopping, and if the point is insufficient, the user can purchase the product according to the original price. In a specific example, the sub-orders including at least one of the point discount rule and the point preference rule may be selected as target sub-orders, and the target sub-orders need to determine the amount of the order again according to the points.

In a preferred embodiment, as shown in fig. 4, the step S300 of determining the sub-order amounts of all target sub-orders according to the available points corresponding to the order transaction request and returning the sub-order amounts to the merchant terminal may specifically include:

s310: and determining corresponding user information according to the order transaction request.

S320: and inquiring available points corresponding to the user information from an integration library according to the user information.

S330: and inputting the available points and the order transaction request into a corresponding point discount model to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal.

Specifically, after the merchant terminal forms a transaction order according to the transaction operation of the user, the amount of the order is determined again by using the points of the user. Therefore, the merchant terminal can form an order transaction request according to the transaction order and the corresponding user information, and transmit the order transaction request to the credit combined discount transaction device, and the credit combined discount transaction device can determine the user information according to the received order transaction request. In the point combination preference transaction device, an integration base can be established in advance, and user information of a user and corresponding available points can be stored in the integration base. After the point combination preferential transaction device acquires the user information from the order transaction request, the available points corresponding to the user information can be searched from the point database according to the user information. Then, the available points and the order transaction request are input into a pre-established point preferential model to obtain the optimal sub-order amount of all target sub-orders under the condition of the existing available points, so that the sum of the sub-order amounts of all the target sub-orders under different available point distribution conditions is minimum. Wherein the different available credit allocation conditions refer to allocation quantities of available credits allocated to each target sub-order for the credit offer rule calculation.

In a preferred embodiment, as shown in fig. 5, the step S330 of inputting the available points and the order transaction request into the corresponding point discount model to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal specifically may include:

s331: and when the available integral is 0, determining the amount of the sub-order according to the sub-order information of each target sub-order.

S332: and when the available integral is not 0, determining the feasible sub-order amount of all the target sub-orders in different integral distribution modes based on the integral counter-present condition and the integral preference condition of each target sub-order according to the available integral, and determining the sub-order amount of each target sub-order according to the feasible sub-order amount in different integral distribution modes.

Specifically, there may be a case where the integral is 0 in the user usable points searched from the point database according to the user information. When the available integral of the user is 0, the preferential amount of each target sub-order under the condition of the integral preferential rule does not need to be calculated, and the amounts of the sub-orders of all the target sub-orders can be determined directly according to information such as the traded articles, the quantity and the price in the sub-order information of all the target sub-orders. And when the available point of the user is not 0, determining the amount of feasible sub-orders of all target sub-orders in different point distribution modes based on the point counter condition and the point preference condition of each target sub-order according to the available point, and determining the amount of the sub-orders of each target sub-order according to the amount of the feasible sub-orders in different point distribution modes.

In a preferred embodiment, as shown in fig. 6, the step S332 of determining the sub-order amount of each target sub-order according to the feasible sub-order amounts in different point distribution manners specifically includes:

s3321: and calculating the sum of all feasible sub-order sums under different point distribution modes.

S3322: and determining the feasible sub-order amount with the minimum sum in all point distribution modes as the sub-order amount of the target sub-order.

Specifically, since the available points need to be allocated to different target sub-orders, all feasible allocation manners of the available points that can be allocated to all target sub-orders can be determined according to the specific point discount rules of the target sub-orders. The sub-order amounts for the target sub-order are then determined separately for each of the different distribution patterns. In the preferred embodiment, the calculation of the point benefits of the target sub-orders including different point benefit rules such as the point achievement condition or the point benefit condition is supported, the point benefit amount which can be favored by each target sub-order on the basis of the allocated available points is determined only according to the point achievement condition or the point benefit condition, and then the benefit amount is subtracted on the basis of the original order amount of each target sub-order to obtain the sub-order amount of the target sub-order after the point benefits.

In a preferred embodiment, as shown in fig. 7, said S332 determines, according to the available points, the feasible sub-order amounts of all the target sub-orders formed in different point distribution modes based on the point discount conditions and the point offset conditions in each target sub-order specifically includes:

s3323: and if the available integral meets the total number of the usable integral of all the sub-orders, determining the sum after the integral is preferential to be the sum of the feasible sub-orders according to the integral preferential rule of the target sub-order.

S3324: and if the available points do not meet the total number of the available points of all the sub-orders, determining the feasible sub-order amount of all the target sub-orders in different point distribution modes.

Specifically, the allocation of the available points can be divided into the following two cases: the available points satisfy the total number of points available for all sub-orders and the available points do not satisfy the total number of points available for all sub-orders. Wherein, for the case that the available points do not satisfy the available total number of points of all the sub-orders are insufficient, the optimal solution can be preferably adopted to determine the feasible sub-order amount of all the target sub-orders in different point distribution modes. The optimal solution is generally defined as the best solution technically possible without sacrificing any overall objective or objectives. It represents an ideal solution that all of the overall objectives and sub-objectives can achieve. One of the basic concepts of mathematical programming. In mathematical programming problems, the objective function is made to take the feasible solution of the minimum value (taking the maximum value for the maximization problem). The feasible solution that makes the objective function take the minimum value is called the minimum solution, and the feasible solution that makes the objective function take the maximum value is called the maximum solution. The minimum solution or the maximum solution is called the optimal solution. Accordingly, the minimum or maximum value of the objective function is referred to as the optimum value. Sometimes, the optimal solution and the optimal value are also referred to together as the optimal solution of the respective mathematical programming problem. The optimal solution of the linear programming is not necessarily only one, and if there are multiple optimal solutions, the set of all the optimal solutions is called the optimal solution domain of the linear programming. For example, the variables x, y are known to satisfy the following constraints:

1、y≤3；

2、x+y≥1；

3、x-y≤1。

the optimal solution for z-2 x-y is (4, 3) or (-2, 3). And obtaining the feasible sub-order amount with the minimum sum in all point distribution modes through the optimal solution to serve as the sub-order amount of the target sub-order.

In one specific example, A, B and C are included in the order trade request. The initial order amount of the order A is 400 yuan, the order A can use the point cash-out rule, the point cash-out rule is less than 300 yuan, 1 point cash can be used, only 50% of the amount larger than 300 yuan can be used, and 1 point cash can be used. The order B and the order C can use the point preference rule, the order amount of the order B is 80 yuan, and the order amount of the order C is 160 yuan. Wherein, the B order and the C order can respectively deduct 80 yuan and 160 yuan by 100 credits and 200 credits. Currently, the available points of the user are 400 points, it is necessary to determine the point distribution mode in which the sum of all sub-orders is the minimum under different distribution modes of the current available points, and if there are a plurality of point distribution modes in which the sum of money is the minimum and the same, the point distribution mode in which the used points are the minimum is selected. In this particular example, there are several credit allocation methods:

1. 350 yuan can be deducted by 350 yuan for the order A, the remaining 50 credits do not reach the amount of credits required by the order B and the order C, the credits are not used by the order B and the order C, the amount of the order A after the credits are used is 50 yuan, the amounts of the order B and the order C are respectively 80 yuan and 160 yuan, the total amount of the order is 290 yuan, and the remaining credit is 50 yuan.

2. 300-point deduction is carried out on the order A by 300 points, 100 points are used on the order B, points are not used on the order C, the sum of the order A after the points are used is 100 points, the sums of the order B and the order C are 0 point and 160 point respectively, the total sum of the order is 260 points, and the remaining points are 0.

3. The order A uses 200 points to deduct 200 yuan, the order B does not use points, the order C uses 200 points, the amount of the order A after the points are used is 200 yuan, the amounts of the order B and the order C are respectively 80 yuan and 0 yuan, the total amount of the order is 280 yuan, and the residual points are 0.

4. The order A uses 100 points to deduct 100 yuan, the order B uses 100 points, the order C uses 200 points, the sum of the order A after the points are used is 300 yuan, the sums of the order B and the order C are both 0 yuan, the total sum of the order is 300 yuan, and the residual points are 0.

In summary, the sum of the money amounts of the sub-orders obtained by the 2 nd point allocation method is the minimum, and the money amounts of the sub-orders in the 2 nd point allocation method can be returned to the merchant terminal.

In a preferred embodiment, the credit combined discount transaction device returns the sub-order amounts of all target sub-orders to the merchant terminal after determining the sub-order amounts of all target sub-orders. The merchant terminal can form a total transaction amount according to the sub-order amounts of all the target sub-orders after determining that the sub-order amounts of all the target sub-orders are received, and sends a payment request to the bank server to deduct money according to the total transaction amount to complete the transaction, wherein the total transaction amount is obtained by considering various credit discount rules, so that only one transaction with the bank server is needed, and a user can complete one transaction payment of a plurality of sub-orders comprising a plurality of credit discount rules only by one payment confirmation.

In a preferred embodiment, as shown in fig. 8, the method further includes S600:

s610: and receiving a deduction result of the total transaction amount corresponding to the order transaction request by the bank server.

S620: and updating the available points of the corresponding user information in the point database according to the deduction result.

Specifically, the available points of the user are usually formed according to a preset point accumulation rule after the user deals so as to guide and encourage the user to shop again. Then in the preferred embodiment, the deduction result of the bank server can be received, and the available points of the user are automatically updated according to the preset point accumulation rule for the next transaction of the user.

According to the invention, the integration base is preset, and the optimal combined payment mode is recommended through the processing of the integration preferential model, so that the defect that commodities participating in integration cash and integration preferential activities exist in a plurality of small orders at the same time and the payment cannot be combined is overcome, and the small order and one-time payment is realized. Therefore, the shopping and payment of the customer on the merchant platform become more flexible and convenient, the use range of credit card integral consumption is expanded, and the merchant platform is also favorable for improving the experience degree of the user.

Based on the same principle, the embodiment also discloses a credit combination preferential transaction device. As shown in fig. 9, in the present embodiment, the apparatus includes an information receiving module 11, an order filtering module 12, and a point allocating module 13.

The information receiving module 11 is configured to receive an order transaction request transmitted by a merchant terminal, where the order transaction request includes sub-order information of a plurality of sub-orders.

The order screening module 12 is configured to determine whether a target sub-order with a credit discount rule exists in the plurality of sub-orders according to the sub-order information.

And the point distribution module 13 is configured to determine the sub-order amounts of all target sub-orders according to the available points corresponding to the order transaction request and return the sub-order amounts to the merchant terminal if the target sub-orders are available.

In a preferred embodiment, the point allocating module 13 is further configured to determine the sub-order amount of the other sub-orders according to the sub-order information of the other sub-orders and return the sub-order amount to the merchant terminal if the other sub-orders except the target sub-order exist in all the sub-orders.

In a preferred embodiment, the point allocating module 13 is further configured to determine the money amounts of all the sub-orders according to the sub-order information of the plurality of sub-orders and return the money amounts to the merchant terminal if the result is no.

In a preferred embodiment, the order filtering module 12 is specifically configured to determine whether each piece of sub-order information includes at least one of an integral discount rule and an integral preference rule according to the piece of sub-order information. If yes, the sub-order with at least one of the point cash-out rule and the point preference rule is the target sub-order.

In a preferred embodiment, the point allocating module 13 is specifically configured to determine corresponding user information according to the order trade request. And inquiring available points corresponding to the user information from an integration library according to the user information. And inputting the available points and the order transaction request into a corresponding point discount model to obtain the sub-order amount of each target sub-order and returning the sub-order amount to the merchant terminal.

In a preferred embodiment, the point allocating module 13 is specifically configured to determine the amount of the sub-order according to the sub-order information of each target sub-order when the available point is 0. And when the available integral is not 0, determining the feasible sub-order amount of all the target sub-orders in different integral distribution modes based on the integral counter-present condition and the integral preference condition of each target sub-order according to the available integral, and determining the sub-order amount of each target sub-order according to the feasible sub-order amount in different integral distribution modes.

In a preferred embodiment, the point allocating module 13 is specifically configured to calculate a sum of all feasible sub-order amounts in different point allocating modes. And determining the feasible sub-order amount with the minimum sum in all point distribution modes as the sub-order amount of the target sub-order.

In a preferred embodiment, the point allocating module 13 specifically includes determining, according to the point discount rule of the target sub-order, that the amount after the point discount is the amount of the feasible sub-order if the available points satisfy the total number of the points available for all the sub-orders. And if the available points do not meet the total number of the available points of all the sub-orders, determining the feasible sub-order amount of all the target sub-orders in different point distribution modes.

Specifically, the allocation of the available points can be divided into the following two cases: the available points satisfy the total number of points available for all sub-orders and the available points do not satisfy the total number of points available for all sub-orders. Wherein, for the case that the available points do not satisfy the available total number of points of all the sub-orders are insufficient, the optimal solution can be preferably adopted to determine the feasible sub-order amount of all the target sub-orders in different point distribution modes. The optimal solution is generally defined as the best solution technically possible without sacrificing any overall objective or objectives. It represents an ideal solution that all of the overall objectives and sub-objectives can achieve. One of the basic concepts of mathematical programming. In mathematical programming problems, the objective function is made to take the feasible solution of the minimum value (taking the maximum value for the maximization problem). The feasible solution that makes the objective function take the minimum value is called the minimum solution, and the feasible solution that makes the objective function take the maximum value is called the maximum solution. The minimum solution or the maximum solution is called the optimal solution. Accordingly, the minimum or maximum value of the objective function is referred to as the optimum value. Sometimes, the optimal solution and the optimal value are also referred to together as the optimal solution of the respective mathematical programming problem. The optimal solution of the linear programming is not necessarily only one, and if there are multiple optimal solutions, the set of all the optimal solutions is called the optimal solution domain of the linear programming. And obtaining the feasible sub-order amount with the minimum sum in all point distribution modes through the optimal solution to serve as the sub-order amount of the target sub-order.

In a preferred embodiment, the credit allocation module 13 is further configured to receive a deduction result of a total transaction amount corresponding to the order transaction request from the bank server. And updating the available points of the corresponding user information in the point database according to the deduction result.

Since the principle of the device for solving the problems is similar to the method, the implementation of the device can refer to the implementation of the method, and the detailed description is omitted here.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical example, the computer device specifically comprises a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method performed by the client as described above when executing the program, or the processor implementing the method performed by the server as described above when executing the program.

Referring now to FIG. 10, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.

As shown in fig. 10, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 606 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.

In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

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

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

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