WO2019052114A1

WO2019052114A1 - Points deduction method and apparatus, terminal device and medium

Info

Publication number: WO2019052114A1
Application number: PCT/CN2018/074882
Authority: WO
Inventors: 李毅
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-09-14
Filing date: 2018-01-31
Publication date: 2019-03-21
Also published as: CN107688934A

Abstract

The present application is applicable to the technical field of information processing, and provides a points deduction method and apparatus, a terminal device and a medium. The points deduction method comprises: when receiving a payment instruction sent by a target user, querying points information about the target user; sending the points information and a pre-set points deduction manner to the target user; receiving a points deduction manner selection instruction sent by the target user, and determining a target points deduction manner according to the points deduction manner selection instruction; and deducting points according to the target points deduction manner and the points information. Points deduction can be rapidly and simply completed, the problems of requiring manual operations, a long processing time, a high error rate and also increasing manpower costs of an existing points deduction manner are solved; user operations can also be reduced, improving user experience, and attracting more users.

Description

Point deduction method, device, terminal device and medium

The present application claims priority to the Chinese Patent Application No. 201710827972.1, entitled "Point Deduction Method and Terminal Equipment", filed on September 14, 2017, the entire contents of which are incorporated herein by reference. in.

Technical field

The present application belongs to the field of information processing technologies, and in particular, to a credit deduction method, device, terminal device, and medium.

Background technique

The existing consumer rebates in the form of points have been widely adopted by all walks of life, not only can enhance the brand value, but also enable customers to receive corresponding feedback, which is the most direct and effective way to attract customers.

In the general credit plan, customers can obtain certain consumption points for each specified product or service, and the points can be used for deduction. Take customer insurance as an example, customer points can be deducted from premiums. However, the existing point deduction method requires manual operation, long processing time, high error rate, and increased labor cost, which cannot meet the practical application requirements.

technical problem

In view of this, the embodiment of the present application provides a method, a device, a terminal device, and a medium for the point deduction, so as to solve the problem that the existing point deduction method requires manual operation, long processing time, high error rate, and increased labor cost.

Technical solution

A first aspect of the embodiment of the present application provides a credit deduction method, including:

When receiving the payment instruction sent by the target user, querying the point information of the target user, where the point information includes a point balance of the target user;

Sending the point information and the preset point credit method to the target user, where the preset point credit method includes one of a full credit deduction method, a partial credit deduction method, and a self-selected credit deduction method. Or a variety;

Receiving a point deduction method selection instruction sent by the target user, and determining a target point deduction method according to the point deduction method selection instruction;

If the target point deduction method is the full credit deduction method, the full credit deduction is performed according to the amount of the target user's payment and the credit balance;

If the target point deduction method is a partial point deduction method, a partial credit deduction is performed according to the point balance;

If the target point deduction method is the self-selection point deduction method, the self-selection point deduction is performed according to the deduction point selected by the target user and the point balance.

A second aspect of the embodiments of the present application provides an integral deduction device, including:

The point information inquiry unit is configured to query the point information of the target user when receiving the payment instruction sent by the target user, where the point information includes a point balance of the target user;

An information sending unit, configured to send the point information and a preset point offset manner to the target user;

The point deduction method determining unit is configured to receive a point deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction;

a first point deducting unit, configured to perform a full credit deduction according to the amount of the target user's payment and the point balance if the target point deduction method is a full point deduction method;

a second point deduction unit, configured to perform partial credit deduction according to the point balance if the target point deduction method is a partial point deduction method;

The third point deducting unit is configured to perform a self-selection point deduction according to the deductible point selected by the target user and the point balance if the target point deduction method is a self-selection point deduction method.

A third aspect of the embodiments of the present application provides a point deduction terminal device, including a memory, a processor, and computer readable instructions stored in the memory and operable on the processor, the processor The following steps are implemented when the computer readable instructions are executed:

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by at least one processor, implement the following steps:

Beneficial effect

In the embodiment of the present application, when receiving the payment instruction sent by the target user, the point information is sent to the target user by querying the point information of the target user, and further receiving the point deduction method sent by the target user. Selecting the instruction, determining the target point deduction method according to the point deduction method selection instruction, and finally performing the point deduction according to the target point deduction method and the above-mentioned point information, completing the point deduction quickly and simply, and solving the existing point deduction method The need for manual operation, long processing time, high error rate, and increased labor costs can also reduce user operations, improve user experience, and attract more users.

DRAWINGS

1 is a schematic flow chart of a method for integrating deduction provided by an embodiment of the present application;

2 is a schematic flow chart of a method for integrating deduction according to another embodiment of the present application;

3 is a schematic flow chart of a method for integrating deduction according to still another embodiment of the present application;

4 is a schematic flow chart of a method for integrating deduction according to another embodiment of the present application;

FIG. 5 is a schematic flowchart of a method for integrating deduction according to another embodiment of the present application; FIG.

6 is a schematic block diagram of an integral deduction procedure provided by an embodiment of the present application;

FIG. 7 is a schematic block diagram of a point deduction terminal device provided by an embodiment of the present application.

Embodiments of the invention

In order to explain the technical solutions described in the present application, the following description will be made by way of specific embodiments.

Referring to FIG. 1 , FIG. 1 is a schematic flowchart of a method for integrating credits according to an embodiment of the present disclosure. In this embodiment, an angle trigger of a terminal is used as an example. Here, the terminal may be a smart phone or a tablet. Mobile terminals such as computers.

S101: When receiving the payment instruction sent by the target user, querying the point information of the target user, where the point information includes a point balance of the target user.

Here, the target user is any user who pays the fee, and the payment instruction sent by the target user may carry the amount of the target user's payment. Before querying the point information of the target user, the method may include: sending an identity information acquisition request to the target user, and if receiving the identity information returned by the target user, the identity information may include a member number, a name, and the like of the target user, according to the identity information. The pre-stored user point information is used to query the point information of the target user, and the point information may include a point balance, a point value balance, and the like. Specifically, taking the user insurance as an example, after the user's insurance policy is approved, the identity information acquisition request is sent to the target user, and if the identity information returned by the target user is received, the pre-stored user credit information is queried according to the identity information. The point information of the target user.

S102: Send the credit information and the preset credit deduction manner to the target user, where the preset credit deduction method includes a full credit deduction method, a partial credit deduction method, and a self-selected credit deduction method. One or more.

Here, after the point information of the target user is queried in step S101, the point information and the preset point deduction method are sent to the target user, wherein the preset point deduction method is set according to actual needs, and may include a full credit deduction method. One or more of a partial credit deduction method and a self-selected credit deduction method. Full credit deduction: When the cash balance deducted by the credit balance exceeds the amount paid by the target user, the full credit can be deducted. Partial point deduction: When the cash balance deducted by the credit balance does not exceed the amount of the target user's payment, the balance of the points may be deducted, and part of the amount of the target user's payment is deducted. Self-selected points deduction: The user selects the points that you want to deduct to deduct.

S103: Receive a point deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction. Specifically, the point deduction method selection instruction sent by the target user may carry a point deduction method. If there is no point deduction method that the target user wants to select in the preset point deduction method, the request for starting the cash payment process sent by the target user is received, and the cash payment process is started according to the request.

S104: If the target point deduction method is the full point deduction method, the full credit deduction is performed according to the amount of the target user payment and the point balance. S105: If the target point deduction method is a partial point deduction method, a partial credit deduction is performed according to the point balance. S106: If the target point deduction method is the self-selection point deduction method, the self-selection point deduction is performed according to the deduction point selected by the target user and the point balance.

Here, the corresponding points are deducted from the point information of the target user according to the target point deduction method selected by the target user, the point deduction operation is completed, and the point deduction result is sent to the target user.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a method for integrating deduction according to another embodiment of the present application. The difference between this embodiment and the above embodiment is S204~S206, wherein S201~S203 are the same as S101~S103 in the previous embodiment.

S204: If the target point deduction method is a full credit deduction method, determine whether the credit amount deducted by the point balance is greater than the amount of the target user payment, and if the cash amount is determined to be greater than or equal to the The amount of the target user's payment is calculated according to the amount of the target user's payment, and the point balance is fully deducted, otherwise, the first user is sent a first request for changing the point deduction method. A request carries a full credit deduction method, and if a new credit deduction method selection instruction returned by the target user is received, a step of determining a target credit deduction method according to the integral deduction method selection instruction is returned.

S205: If the target point deduction method is a partial point deduction method, send a prompt to the target user whether to deduct all the balance points, and if the confirmation sent by the target user is received, all the points are deducted The balance information is subjected to a partial credit deduction process for the point balance, otherwise, a message is sent to the target user whether to initiate a cash payment process, and if the confirmation sent by the target user is received, the cash payment process is initiated. , initiate the cash payment process.

S206: If the target point deduction method is a self-selection point deduction method, determining whether the deduction credit selected by the target user is greater than the point balance, and determining that the deduction credit selected by the target user is less than or equal to Deriving the balance balance, performing a self-selection credit deduction process on the credit balance according to the deductible credit selected by the target user; otherwise, sending a second request to the target user to change the selected deduction credit, the The second request carries the credit balance. If the re-selected deductible credit returned by the target user is received, the credit balance is automatically selected according to the deducted credit re-selected by the target user. Here, a variety of points deduction methods are provided, and the user can select the point deduction method according to the actual situation, improve the success rate of the point deduction, attract more users, and is suitable for application.

Please refer to FIG. 3. FIG. 3 is a schematic flowchart of a method for integrating deduction according to still another embodiment of the present application. The difference between the above embodiments is S303~S305, wherein S301~S302 are the same as S101~S102 in the previous embodiment, and S306~S308 are the same as S104~S106 in the previous embodiment.

S303: Send a prompt to the target user whether to perform a credit deduction. Here, after determining the target point deduction method according to the point deduction method selection instruction, a prompt for whether or not to perform the point deduction may be sent to the target user, and after receiving the confirmation sent by the target user, the point deduction information is performed. The subsequent points are deducted. Otherwise, a prompt is sent to the target user whether to initiate the cash payment process. If the information sent by the target user is confirmed to initiate the cash payment process, the cash payment process is initiated. Specifically, the target credit deduction method and the point information may be transmitted to the target user through an IVR (Interactive Voice Response) method, and the target user may be confirmed.

S304: If receiving the first information sent by the target user to confirm the credit deduction, and the first information carries the payment password, verify whether the payment password is correct. Specifically, the first information sent by the target user for performing the credit deduction may carry a payment password, where the payment password is a payment password that needs to be input when the credit is deducted, and the payment password is verified according to the pre-stored user and the payment password correspondence. is it right or not. Here, after the target score deduction method and the point information are broadcasted, the target user's information is correctly confirmed, the target user is prompted to input the payment password, the payment password input by the target user is received, and the payment password is verified. correct.

S305: If the payment password is verified to be correct, receiving a point deduction method selection instruction sent by the target user, and determining a target point deduction method according to the point deduction method selection instruction. Here, before the point deduction is performed, the target user is asked whether to perform the point deduction. If the target user replies with the confirmation information, the subsequent point deduction is performed to satisfy the user's multiple payment requirements, thereby improving the user experience.

Referring to FIG. 4, FIG. 4 is a schematic flowchart of a method for integrating deduction according to still another embodiment of the present application. The difference between the above embodiments in this embodiment lies in S401~S403, where S404~S408 are the same as S102~S106 in the previous embodiment.

S401: When receiving the payment instruction sent by the target user, determining whether the target user is a point user. Here, the credit user may be a user who has previously paid for the purchase, and the user obtains a certain consumption credit after consuming the prescribed product or service. Specifically, when receiving the payment instruction sent by the target user, it may be determined whether the target user meets the point redemption condition, and the point redemption condition may be set according to an actual situation, for example, may be a user of the unified integration platform, and a preset exists under the user name. The number of points.

S402: If it is determined that the target user is a credit user, send a prompt to the target user whether to initiate a credit deduction application. Here, after determining that the target user is a credit user, the target user is sent a prompt whether to initiate a credit deduction application, prompting the user whether to perform a credit deduction, providing the user with multiple choices, and the service is more user-friendly.

S403: If receiving the second information sent by the target user to confirm the initiation of the point deduction application, querying the point information of the target user according to the authorization instruction carried in the second information, where the point information includes The point balance of the target user. Specifically, after receiving the information sent by the target user to confirm the initiation of the credit deduction application, the point information of the target user is queried, thereby preventing the user information from being leaked and protecting the user's interests from being damaged.

Referring to FIG. 5, FIG. 5 is a schematic flowchart of a method for integrating deduction according to still another embodiment of the present application. The difference between the above embodiments in this embodiment is S507~S508, wherein S501~S506 are the same as S101~S106 in the previous embodiment.

S507: If the point deduction is successful, sending the point deduction success information to the target user, and sending a prompt to the target user whether to initiate a cash payment process, and if the confirmation sent by the target user is received, the cash payment is initiated. The third information of the process starts the cash payment process according to the cash payment initiation instruction carried in the third information. Here, the point deduction success information may carry the amount of the target user still paying the fee, and by sending a prompt to the target user whether to initiate the cash payment process, receiving the confirmation sent by the target user to start the cash payment process information, and starting the cash payment process for the target. The user pays the amount to be paid. Specifically, if the target user carried by the point deduction success information still has to pay a quota of zero, the operation is stopped, and the target user completes the payment operation.

S508: If the point deduction fails, sending a point deduction failure information to the target user, and sending a prompt to the target user whether to change the point deduction mode, and if receiving the confirmation change point sent by the target user In the fourth information of the deduction method, the new credit deduction method carried in the fourth information is used as a new target credit deduction method. Here, the point deduction failure information may carry the target point deduction method, and send a message indicating whether to change the point deduction method to the target user, and receive the information of the confirmation change point deduction method sent by the target user, and change the point credit according to the information. In the deduction method, the changed point deduction method is used as the new target point deduction method, and the point deduction is re-deducted until the target user completes the payment operation. Here, the credit deduction result is sent to the target user, and according to different deduction results, different treatment modes of the target user are provided, the credit deduction is completed quickly and simply, the user operation is reduced, and various application requirements are satisfied.

Corresponding to the integral deduction method described in the above embodiment, FIG. 6 is a schematic diagram showing the operating environment of the credit deduction program provided by the embodiment of the present application. In the embodiment, the integral deduction program 600 is installed and runs in the terminal device 60. The terminal device 60 can be a mobile terminal, a palmtop computer, a server, or the like. The terminal device 60 can include, but is not limited to, a memory 601, a processor 602, and a display 603.

The memory 601 may be an internal storage unit of the terminal device 60, such as a hard disk or memory of the terminal device 60, in some embodiments. The memory 601 may also be an external storage device of the terminal device 60 in other embodiments, such as a plug-in hard disk equipped on the terminal device 60, a smart memory card (SMC), and a secure digital device. (Secure Digital, SD) card, flash card, etc. Further, the memory 601 may also include both an internal storage unit of the terminal device 60 and an external storage device. The memory 601 is configured to store application software and various types of data installed in the terminal device 60, such as program codes of the point deduction program 600, and the like. The memory 601 can also be used to temporarily store data that has been output or is about to be output.

The processor 602 can be a central processor (Central) in some embodiments A processing unit (CPU), a microprocessor or other data processing chip for running program code or processing data stored in the memory 601, such as executing the integral deduction program 600 or the like. The display 603 may be an LED display, a liquid crystal display, a touch liquid crystal display, and an OLED (Organic) in some embodiments. Light-Emitting Diode, organic light-emitting diodes, etc. The display 603 is used to display information processed in the terminal device 60 and a user interface for displaying visualizations, such as an application menu interface, an application icon interface, and the like. The components 601-603 of the terminal device 60 communicate with one another via a system bus.

Please refer to FIG. 7 , which is a functional block diagram of the point deduction program 600 provided by the embodiment of the present application. The point deduction program 600 may be divided into an integration information inquiry unit 701, an information transmission unit 702, an integral deduction manner determination unit 703, a first integration deduction unit 704, a second integration deduction unit 705, and a third integral. Deduction unit 706.

The point information query unit 701 is configured to query the point information of the target user when receiving the payment instruction sent by the target user. The information sending unit 702 is configured to send the point information and a preset point offset manner to the target user. The point deduction method determining unit 703 is configured to receive a point deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction. The first point deducting unit 704 is configured to perform a full credit deduction according to the amount of the target user's payment and the point balance if the target point deduction method is the full point deduction method. The second point deducting unit 705 is configured to perform partial credit deduction according to the point balance if the target point deduction method is a partial point deduction method. The third point deducting unit 706 is configured to perform a self-selection point deduction according to the deductible point selected by the target user and the point balance if the target point deduction method is a self-selection point deduction method.

Optionally, the first point deducting unit 704 is configured to determine, if the target point deduction method is a full point deduction method, whether the cash amount deducted by the point balance is greater than the target user payment If the amount of the cash is greater than or equal to the amount of the target user's payment, the credit balance is fully credited according to the amount of the target user's payment, otherwise, the target user is sent a first request for changing the credit deduction method, the first request carrying a full credit deduction method, and if receiving a new credit deduction method selection instruction returned by the target user, returning execution according to the credit deduction The method of selecting a command to determine the target point deduction method. The second point deducting unit 705 is configured to send, to the target user, a prompt whether to deduct all the points balance if the target point deduction method is a partial point deduction method, if the target user is received If the sent confirmation is all deducted from the information of the credit balance, the credit balance is partially credited and deducted, otherwise, the target user is sent a prompt whether to start the cash payment process, and if the target user is received, Confirmation initiates the cash payment process information and initiates the cash payment process. The third point deducting unit 706 is configured to determine, if the target point deduction method is a self-selected point deduction method, whether the deductible point selected by the target user is greater than the point balance, and if the target user is determined to be selected The deductible credit is less than or equal to the credit balance, and then the self-selected credit deduction processing is performed on the credit balance according to the deductible credit selected by the target user; otherwise, the deductible credit of the selected selection is sent to the target user. a second request, the second request carries the credit balance, and if the re-selected deduction credit returned by the target user is received, the credit balance is performed according to the deducted credit re-selected by the target user Optional points deductible processing.

Optionally, the point deduction program 600 may also be divided into an integral deduction prompt sending unit 707 and a password verification unit 708. The point deduction prompt sending unit 707 is configured to send a prompt to the target user whether to perform a credit deduction. The password verification unit 708 is configured to: if receiving the first information sent by the target user to confirm the point deduction, and the first information carries the payment password, verify whether the payment password is correct. The point deduction method determining unit 703 is configured to: if the payment password is verified to be correct, receive an integral deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction. .

Optionally, the point deduction program 600 may also be divided into a user judging unit 709 and a point deduction initiating unit 710. The user determining unit 709 is configured to determine whether the target user is a point user. The point deduction initiating unit 710 is configured to, if it is determined that the target user is a point user, send a prompt to the target user whether to initiate a point deduction application. The point information querying unit 701 is configured to: if receiving the second information sent by the target user to confirm the initiation of the point credit application, query the point of the target user according to the authorization instruction carried in the second information information.

Optionally, the point deduction program 600 may also be divided into a deduction success processing unit 711 and a deduction failure processing unit 712. The deduction success processing unit 711 is configured to send a credit deduction success information to the target user if the credit deduction is successful, and send a prompt to the target user whether to initiate a cash payment process, if the The third information sent by the target user to confirm the start of the cash payment process starts the cash payment process according to the cash payment initiation instruction carried in the third information. The deductible failure processing unit 712 is configured to: if the point deduction fails, send the point deduction failure information to the target user, and send a prompt to the target user whether to change the point deduction mode, if the The fourth information of the acknowledgment change point deduction method sent by the target user is used as the new target point deduction method.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium. The computer readable instructions, when executed by a processor, may implement the steps of the various method embodiments described above.

Claims

An integral deduction method, comprising:

When receiving the payment instruction sent by the target user, querying the point information of the target user, where the point information includes a point balance of the target user;

Sending the point information and the preset point credit method to the target user, where the preset point credit method includes one of a full credit deduction method, a partial credit deduction method, and a self-selected credit deduction method. Or a variety;

Receiving a point deduction method selection instruction sent by the target user, and determining a target point deduction method according to the point deduction method selection instruction;

If the target point deduction method is the full credit deduction method, the full credit deduction is performed according to the amount of the target user's payment and the credit balance;

If the target point deduction method is a partial point deduction method, a partial credit deduction is performed according to the point balance;

If the target point deduction method is the self-selection point deduction method, the self-selection point deduction is performed according to the deduction point selected by the target user and the point balance.
The method of claim 1 as claimed in claim 1, further comprising:

If the target credit deduction method is a full credit deduction method, it is determined whether the credit amount deducted by the credit balance is greater than the amount of the target user's payment, and if the cash credit is determined to be greater than or equal to the target user The amount of the payment is based on the credit amount of the target user to perform a full credit deduction process on the credit balance; otherwise, the first user is sent a first request for changing the credit deduction method, the first request Carrying the full credit deduction method, if receiving the new credit deduction method selection instruction returned by the target user, returning to perform the step of determining the target credit deduction method according to the integral deduction method selection instruction;

If the target credit deduction method is a partial credit deduction method, send a prompt to the target user whether to deduct all the credit balance, and if the confirmation sent by the target user is received, all the balance of the credit is deducted. Information, the partial credit deduction processing is performed on the credit balance, otherwise, the target user is sent a prompt whether to start the cash payment process, and if the information sent by the target user is confirmed to start the cash payment process, the information is started. Cash payment process;

If the target point deduction method is a self-selection point deduction method, determining whether the deduction credit selected by the target user is greater than the point balance, and determining that the deduction credit selected by the target user is less than or equal to the point And the balance is subjected to a self-selection credit deduction process according to the deductible credit selected by the target user; otherwise, the second user requests to change the selected deduction credit to the target user, the second request Carrying the credit balance, if receiving the re-selected deduction credit returned by the target user, performing a self-selection deduction processing on the credit balance according to the deducted credit re-selected by the target user.
The method of claim 1 as claimed in claim 1, further comprising:

Sending a prompt to the target user whether to perform a credit deduction;

If the first information sent by the target user is determined to perform the credit deduction, and the first information carries the payment password, verify whether the payment password is correct;

If the payment password is verified to be correct, the step of receiving the point deduction method selection instruction sent by the target user and determining the target point deduction method according to the point deduction method selection instruction is performed.
The method of claim 1 as claimed in claim 1, further comprising:

Determining whether the target user is a point user;

If it is determined that the target user is a credit user, send a prompt to the target user whether to initiate a credit deduction application;

Querying the point information of the target user includes:

And if the second information of the confirmation initiation initiation credit application sent by the target user is received, the point information of the target user is queried according to the authorization instruction carried in the second information.
The method of claim 1 as claimed in claim 1, further comprising:

If the point deduction is successful, sending the point deduction success information to the target user, and sending a prompt to the target user whether to initiate a cash payment process, and if the confirmation sent by the target user is received, the cash payment process is initiated. The third information starts the cash payment process according to the cash payment initiation instruction carried in the third information;

If the point deduction fails, sending a point deduction failure information to the target user, and sending a prompt to the target user whether to change the point deduction method, and receiving the confirmation change point deduction deducted by the target user. In the fourth information of the mode, the new credit deduction method carried in the fourth information is used as a new target credit deduction method.
An integral deducting device, comprising:

The point information inquiry unit is configured to query the point information of the target user when receiving the payment instruction sent by the target user;

An information sending unit, configured to send the point information and a preset point offset manner to the target user;

The point deduction method determining unit is configured to receive a point deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction;

a first point deducting unit, configured to perform a full credit deduction according to the amount of the target user's payment and the point balance if the target point deduction method is a full point deduction method;

a second point deduction unit, configured to perform partial credit deduction according to the point balance if the target point deduction method is a partial point deduction method;

The third point deducting unit is configured to perform a self-selection point deduction according to the deductible point selected by the target user and the point balance if the target point deduction method is a self-selection point deduction method.
The point deduction apparatus according to claim 6, wherein the first point deducting unit is configured to determine that the point balance is offset if the target point deduction method is a full point deduction method Whether the cash amount of the deduction is greater than the amount of the target user's payment, and if it is determined that the cash credit is greater than or equal to the amount of the target user's payment, the credit balance of the target user is fully credited according to the amount of the target user's payment. Deduction processing, otherwise, sending a first request for changing the credit deduction manner to the target user, the first request carrying a full credit deduction method, and receiving a new credit deduction method returned by the target user Selecting an instruction, and returning to perform the step of determining a target point deduction method according to the point deduction method selection instruction;

a second credit deducting unit, configured to send, to the target user, a prompt whether to deduct all the credit balance if the target credit deduction method is a partial credit deduction method, and if the target user is received, Confirming that all the balance of the credit is deducted, and performing partial credit deduction processing on the credit balance, otherwise, sending a prompt to the target user whether to initiate a cash payment process, if receiving the notification sent by the target user Confirm the information to initiate the cash payment process and initiate the cash payment process;

a third point deducting unit, configured to determine whether the deductible point selected by the target user is greater than the point balance if the target point deduction method is a self-selection point deduction method, and if the target user selects If the deductible credit is less than or equal to the credit balance, the credit balance is subjected to a self-selected credit deduction process according to the deductible credit selected by the target user; otherwise, the target user is sent a credit of the selected deductible credit. a second request, the second request carries the credit balance, and if the re-selected deduction credit returned by the target user is received, the credit balance is selected according to the deducted credit re-selected by the target user Credit deduction processing.
The integral deducting device according to claim 6, further comprising:

a point deduction prompt sending unit, configured to send a prompt to the target user whether to perform a credit deduction;

a password verification unit, configured to: if receiving the first information sent by the target user to confirm the credit, the first information carrying the payment password, verifying whether the payment password is correct;

The point deduction method determining unit is configured to: if the payment password is verified to be correct, receive a point deduction method selection instruction sent by the target user, and determine a target point deduction method according to the point deduction method selection instruction.
The integral deducting device according to claim 6, further comprising:

a user determining unit, configured to determine whether the target user is a point user;

a point deduction initiation unit, configured to send a prompt to the target user whether to initiate a point deduction application if the target user is determined to be a point user;

The point information querying unit is configured to: if receiving the second information sent by the target user to confirm the initiation of the point credit application, query the point information of the target user according to the authorization instruction carried in the second information .
The integral deducting device according to claim 6, further comprising:

Deducting a success processing unit, configured to send a point deduction success information to the target user if the point deduction is successful, and send a prompt to the target user whether to initiate a cash payment process, if the target user is received The sent confirmation initiates the third information of the cash payment process, and initiates a cash payment process according to the cash payment initiation instruction carried in the third information;

a deduction failure processing unit, configured to send a credit deduction failure information to the target user if the credit deduction fails, and send a prompt to the target user whether to change the credit deduction manner, if the target is received The fourth information of the confirmation change credit deduction method sent by the user is used as the new target credit deduction method.
An integral deducting terminal device, comprising: a memory, a processor, wherein the memory stores computer readable instructions executable on the processor, and the processor executes the computer sequence to implement the following step:

When receiving the payment instruction sent by the target user, querying the point information of the target user, where the point information includes a point balance of the target user;

Sending the point information and the preset point credit method to the target user, where the preset point credit method includes one of a full credit deduction method, a partial credit deduction method, and a self-selected credit deduction method. Or a variety;

Receiving a point deduction method selection instruction sent by the target user, and determining a target point deduction method according to the point deduction method selection instruction;

If the target point deduction method is the full credit deduction method, the full credit deduction is performed according to the amount of the target user's payment and the credit balance;

If the target point deduction method is a partial point deduction method, a partial credit deduction is performed according to the point balance;

If the target point deduction method is the self-selection point deduction method, the self-selection point deduction is performed according to the deduction point selected by the target user and the point balance.
The point deduction terminal device according to claim 11, wherein the processor further implements the following steps when the computer readable instructions are executed:

If the target credit deduction method is a full credit deduction method, it is determined whether the credit amount deducted by the credit balance is greater than the amount of the target user's payment, and if the cash credit is determined to be greater than or equal to the target user The amount of the payment is based on the credit amount of the target user to perform a full credit deduction process on the credit balance; otherwise, the first user is sent a first request for changing the credit deduction method, the first request Carrying the full credit deduction method, if receiving the new credit deduction method selection instruction returned by the target user, returning to perform the step of determining the target credit deduction method according to the integral deduction method selection instruction;

If the target credit deduction method is a partial credit deduction method, send a prompt to the target user whether to deduct all the credit balance, and if the confirmation sent by the target user is received, all the balance of the credit is deducted. Information, the partial credit deduction processing is performed on the credit balance, otherwise, the target user is sent a prompt whether to start the cash payment process, and if the information sent by the target user is confirmed to start the cash payment process, the information is started. Cash payment process;

If the target point deduction method is a self-selection point deduction method, determining whether the deduction credit selected by the target user is greater than the point balance, and determining that the deduction credit selected by the target user is less than or equal to the point And the balance is subjected to a self-selection credit deduction process according to the deductible credit selected by the target user; otherwise, the second user requests to change the selected deduction credit to the target user, the second request Carrying the credit balance, if receiving the re-selected deduction credit returned by the target user, performing a self-selection deduction processing on the credit balance according to the deducted credit re-selected by the target user.
The point deduction terminal device according to claim 11, wherein the processor further implements the following steps when the computer readable instructions are executed:

Sending a prompt to the target user whether to perform a credit deduction;

If the first information that is sent by the target user to perform the credit deduction is received, verify whether the payment password carried in the first information is correct;

If the payment password is verified to be correct, the step of receiving the point deduction method selection instruction sent by the target user and determining the target point deduction method according to the point deduction method selection instruction is performed.
The point deduction terminal device according to claim 11, wherein the processor further implements the following steps when the computer readable instructions are executed:

Determining whether the target user is a point user;

If it is determined that the target user is a credit user, send a prompt to the target user whether to initiate a credit deduction application;

Querying the point information of the target user includes:

And if the second information of the confirmation initiation initiation credit application sent by the target user is received, the point information of the target user is queried according to the authorization instruction carried in the second information.
The point deduction terminal device according to claim 11, wherein the processor further implements the following steps when the computer readable instructions are executed:

If the point deduction is successful, sending the point deduction success information to the target user, and sending a prompt to the target user whether to initiate a cash payment process, and if the confirmation sent by the target user is received, the cash payment process is initiated. The third information starts the cash payment process according to the cash payment initiation instruction carried in the third information;

If the point deduction fails, sending a point deduction failure information to the target user, and sending a prompt to the target user whether to change the point deduction method, and receiving the confirmation change point deduction deducted by the target user. In the fourth information of the mode, the new credit deduction method carried in the fourth information is used as a new target credit deduction method.
A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by at least one processor, implement the following steps:

When receiving the payment instruction sent by the target user, querying the point information of the target user, where the point information includes a point balance of the target user;

Sending the point information and the preset point credit method to the target user, where the preset point credit method includes one of a full credit deduction method, a partial credit deduction method, and a self-selected credit deduction method. Or a variety;

Receiving a point deduction method selection instruction sent by the target user, and determining a target point deduction method according to the point deduction method selection instruction;

If the target point deduction method is the full credit deduction method, the full credit deduction is performed according to the amount of the target user's payment and the credit balance;

If the target point deduction method is a partial point deduction method, a partial credit deduction is performed according to the point balance;

If the target point deduction method is the self-selection point deduction method, the self-selection point deduction is performed according to the deduction point selected by the target user and the point balance.
The computer readable storage medium of claim 16, wherein the computer readable instructions are further executed by the at least one processor to:

If the target credit deduction method is a full credit deduction method, it is determined whether the credit amount deducted by the credit balance is greater than the amount of the target user's payment, and if the cash credit is determined to be greater than or equal to the target user The amount of the payment is based on the credit amount of the target user to perform a full credit deduction process on the credit balance; otherwise, the first user is sent a first request for changing the credit deduction method, the first request Carrying the full credit deduction method, if receiving the new credit deduction method selection instruction returned by the target user, returning to perform the step of determining the target credit deduction method according to the integral deduction method selection instruction;

If the target credit deduction method is a partial credit deduction method, send a prompt to the target user whether to deduct all the credit balance, and if the confirmation sent by the target user is received, all the balance of the credit is deducted. Information, the partial credit deduction processing is performed on the credit balance, otherwise, the target user is sent a prompt whether to start the cash payment process, and if the information sent by the target user is confirmed to start the cash payment process, the information is started. Cash payment process;

If the target point deduction method is a self-selection point deduction method, determining whether the deduction credit selected by the target user is greater than the point balance, and determining that the deduction credit selected by the target user is less than or equal to the point And the balance is subjected to a self-selection credit deduction process according to the deductible credit selected by the target user; otherwise, the second user requests to change the selected deduction credit to the target user, the second request Carrying the credit balance, if receiving the re-selected deduction credit returned by the target user, performing a self-selection deduction processing on the credit balance according to the deducted credit re-selected by the target user.
The computer readable storage medium of claim 16, wherein the computer readable instructions are further executed by the at least one processor to:

Sending a prompt to the target user whether to perform a credit deduction;

If the first information sent by the target user is determined to perform the credit deduction, and the first information carries the payment password, verify whether the payment password is correct;

If the payment password is verified to be correct, the step of receiving the point deduction method selection instruction sent by the target user and determining the target point deduction method according to the point deduction method selection instruction is performed.
The computer readable storage medium of claim 16, wherein the computer readable instructions are further executed by the at least one processor to:

Determining whether the target user is a point user;

If it is determined that the target user is a credit user, send a prompt to the target user whether to initiate a credit deduction application;

Querying the point information of the target user includes:

And if the second information of the confirmation initiation initiation credit application sent by the target user is received, the point information of the target user is queried according to the authorization instruction carried in the second information.
The computer readable storage medium of claim 16, wherein the computer readable instructions are further executed by the at least one processor to:

If the point deduction is successful, sending the point deduction success information to the target user, and sending a prompt to the target user whether to initiate a cash payment process, and if the confirmation sent by the target user is received, the cash payment process is initiated. The third information starts the cash payment process according to the cash payment initiation instruction carried in the third information;

If the point deduction fails, sending a point deduction failure information to the target user, and sending a prompt to the target user whether to change the point deduction method, and receiving the confirmation change point deduction deducted by the target user. In the fourth information of the mode, the new credit deduction method carried in the fourth information is used as a new target credit deduction method.