CN108074084A - A kind of method, apparatus and server of delay disposal request - Google Patents
A kind of method, apparatus and server of delay disposal request Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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Abstract
The embodiment of the present invention provides a kind of method, apparatus and server of delay disposal request, including：According to Rating Model trained in advance, obtain the credit score of user, after the Virtual Space article selection request that user is sent by client is got, if judge that the credit score of user meets preset condition, delay in payment request is sent to the corresponding server of the second application platform, to indicate that the corresponding server of the second application platform delays the instruction that preset time jumps to client transmission payment interface, so that client can still continue to show the display content under corresponding first application of the first application platform after sending Virtual Space article and choosing request, improve the fluency of display content.And in the preset time delayed, account of the user in the first application platform can improve the fluency that user operates under the first application platform it is preferable to use the Virtual Space article of selection.
Description
Technical field
The present invention relates to technical field of data processing, and in particular to a kind of method, apparatus of delay disposal request and service
Device.
Background technology
With becoming increasingly popular for network application, online game application rapidly develops, and game player is run by client
Behind the first interface of online game application opening network game (first account login interface that operational network game application enters), need
Paying certain expense can enter in the different scene of game of online game.
The reimbursement of expense mode of the application of online game at present includes time payment and stage property payment, and wherein time payment needs
Game player could enter in the scene of game of online game after payment expense in advance, and time payment is divided into a blocking and monthly payment
Make two kinds of means of payment, point blocking paid by playtime, such as can according to second minute or hour for unit play
Time, setting unit game time corresponding expense, according to playtime and unit game of the game player in online game
Time, corresponding expense was paid；Flat rate system is then one section of playtime one-time payment by setting, such as disposable branch
The expense that playtime is 1 month is paid, if in client operational network game application, is paid in advance by the time means of payment
Expense be less than game player payment expense when, client can interrupt online game application, jump to payment application in.
Stage property payment is then that game player pays expense by way of selling stage property in game process, though this mode
So game player is not required to pay expense in advance, if but in client operational network game application, selling stage property payment
When expense is less than game player's payable expense, client can interrupt online game application, jump in payment application.
From the above-mentioned existing means of payment it is recognized that while the existing means of payment all can be playtime payment correlative charges,
But the payable expense of the existing means of payment is less than game player in game process during payable expense, client can
It is jumped to from online game application in payment application, so as to influence the fluency that game content is shown.
The content of the invention
In view of this, the embodiment of the present invention provides a kind of mode, device and the server of delay disposal request, in raising
Hold the fluency of display.
To achieve the above object, the embodiment of the present invention provides following technical solution：
The embodiment of the present invention provides a kind of method of delay disposal request, the described method includes：
According to Rating Model trained in advance, the credit score of user is obtained, the user passes through in the second application platform
Account is logged on in the first application platform；
Obtain the Virtual Space article display request that user is sent by client, the Virtual Space article display request
For asking the display information of at least one Virtual Space article in the first application platform；
From the database of first application platform, determine to show the corresponding target of request with the Virtual Space article
The display information of Virtual Space article sends the display information of destination virtual space article to the client, in visitor
According to the display information of destination virtual space article on the display area at family end, destination virtual space article is shown；
It obtains the Virtual Space article that user is sent by client and chooses request, from the article of the destination virtual space
It chooses the Virtual Space article and chooses the corresponding Virtual Space article of request, and the Virtual Space article of selection is added to institute
It states in account of the user in the first application platform；
When the credit score for judging the user meets preset condition, sent out to the corresponding server of second application platform
Delay in payment is sent to ask, is sent with indicating that the corresponding server of second application platform delays preset time to the client
The instruction of payment interface is jumped to, and in the preset time delayed, account of the user in the first application platform can be excellent
First use the Virtual Space article of the selection.
The embodiment of the present invention also provides a kind of device of delay disposal request, and described device includes：
Credit score obtains module, for according to Rating Model trained in advance, obtaining the credit score of user, the user exists
Account in second application platform is logged on in the first application platform；
First acquisition request module, for obtaining the Virtual Space article display request that user is sent by client, institute
Virtual Space article display request is stated for asking the display information of at least one Virtual Space article in the first application platform；
Information determination module, for from the database of first application platform, determining and the Virtual Space article
The display information of display request corresponding destination virtual space article, destination virtual space article is sent to the client
Display information, according to the display information of destination virtual space article, to show the target on the display area of client
Virtual Space article；
Second acquisition request module chooses request for obtaining the Virtual Space article that user is sent by client, from
The Virtual Space article is chosen in the article of the destination virtual space and chooses the corresponding Virtual Space article of request, and will be chosen
Virtual Space article be added in account of the user in the first application platform；
Request sending module, for when the credit score for judging the user meets preset condition, being applied to described second
The corresponding server of platform sends delay in payment request, during indicating that the corresponding server of second application platform delays default
Between to client transmission jump to the instruction of payment interface, and in the preset time delayed, the user should first
The Virtual Space article of the selection can be preferentially used with the account on platform.
The embodiment of the present invention also provides a kind of server, the device asked including delay disposal described above.
Based on above-mentioned technical proposal, in the method for delay disposal request provided in an embodiment of the present invention, server can root
According to Rating Model trained in advance, the credit score of user is obtained, in the Virtual Space object for getting user and being sent by client
After product choose request, if judge that the credit score of user meets preset condition, sent out to the corresponding server of the second application platform
Delay in payment is sent to ask, branch is jumped to client transmission to indicate that the corresponding server of the second application platform delays preset time
The instruction at interface is paid, so that client can still continue to show that the first application is flat after sending Virtual Space article and choosing request
Display content under corresponding first application of platform improves the fluency of display content.And in the preset time delayed, user
Account in the first application platform can improve user under the first application platform it is preferable to use the Virtual Space article of selection
The fluency of operation.
Description of the drawings
It in order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention, for those of ordinary skill in the art, without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is system architecture diagram provided in an embodiment of the present invention；
Fig. 2 is a kind of signaling process figure of the method for delay disposal provided in an embodiment of the present invention request；
Fig. 3 is the user's operation schematic diagram that triggering client sends the display request of Virtual Space article；
Fig. 4 is that triggering client sends the user's operation schematic diagram that Virtual Space article chooses request；
Fig. 5 is the application schematic diagram of the embodiment of the present invention；
Fig. 6 is the application effect schematic diagram of the embodiment of the present invention；
Fig. 7 is another signaling process figure of the method for delay disposal provided in an embodiment of the present invention request；
Fig. 8 is a kind of structure diagram of the device of delay disposal provided in an embodiment of the present invention request；
Fig. 9 is another structure diagram of the device of delay disposal provided in an embodiment of the present invention request；
Figure 10 is the hardware block diagram of server provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment belongs to the scope of protection of the invention.
Fig. 1 is the realization system architecture diagram of the method for delay disposal provided in an embodiment of the present invention request, with reference to Fig. 1, institute
Stating system architecture can include：Client 10, first server 20, Virtual Space behavior database 30, Virtual Space article number
According to storehouse 40, the first account data storehouse 50, second server 60, the second account data storehouse 70 and collage-credit data storehouse 80.
Wherein first server 20, Virtual Space behavior database 30,40 and first account of Virtual Space item database
Database 50 belongs to the first application platform；Second server 60, the second account data storehouse 70 and collage-credit data storehouse 80 belong to second
Application platform；First application platform is different application platforms from the second application platform, but the first application platform can access second
The account of application platform, the account as the second application platform can be used in user log in the first application platform.
Optionally, the first application platform can be game application platform, and the second application platform can be payment application platform,
User can pay the account of application platform by being registered in, and log in game application platform；It or also can be by paying application platform
It is linked to game application platform.
In embodiments of the present invention, it is electric can be loaded in mobile terminal, tablet computer and laptop etc. for client 10
In sub- equipment, and communicated with first server 20 and second server 60.User can access first server by client
20, and ask browsing Virtual Space article and ask to add in the Virtual Space object of user's selection in the virtual account of user
Product.
Optionally, client 10 can be developed individually, matched with first server 20 and second server 60
Client；Client downloads can be arrived electronic equipment by user by application market (APP STORE) or using official website
Local, certain client can also be existed in the form of browser.
Optionally, client is also likely to be the client of the second application platform, passes through the client in the second application platform
Interface insertion the first application platform of link entrance, may be such that user passes through the client of the second application platform and the first application
Platform is linked, and enters the corresponding page of the first application platform.
First server 20 is the service equipment in the first application platform subordinate server cluster, is erected at network side.
In the embodiment of the present invention, first server 20 is for carrying out data processing, such as after receiving Virtual Space article and choosing request,
Judge whether to ask with delay disposal according to the credit score of user, in the case where judging to ask with delay disposal, to the
Two servers 60 send delay in payment request, so that client continues to show the display content of current application, as current application is
Online game in application, then make client continue show online game application display content, jumped to so as to postpone client
Payment application improves the fluency of display content.
The credit score of wherein user refers to that the first application platform carries out quantifying to divide using credit scoring model to user information
Analysis, states user credit program in the form of score value, and the credit score of user can reflect that user props up on time within following a period of time
The probability of payment or the probability of promise breaking etc., the credit score of user is higher, then the creditworthiness of user is higher.
Database of the Virtual Space behavior database 30 belonging to the first application platform, record have different user passing through visitor
Family end accesses access data during first server 20, as record has but is not limited to：The primary attribute information of user, branch payment
With, game data and preference data etc., the primary attribute information record of wherein user has the essential information of user, such as includes at least
Name, age, gender and location etc.；Paid expense then record each Virtual Space article that user bought and
The corresponding expense of each Virtual Space article bought；Game data is then used to refer to the situation that user logs in game, such as uses
Family logs in the frequency played and the playtime logged in every time etc.；Preference data, as user logs in the frequency of game in default frequency
Type of play in the range of degree.First server 20 can obtain the access number of each user from Virtual Space behavior database 30
According to obtain the respective credit score of each user according to the access data of each user.
Database of the Virtual Space item database 40 belonging to the first application platform, record have the offer of the first application platform
Various Virtual Space articles, such as Virtual Space arrangement of objects (the various weapons, armour and the clothes that are used in online game), empty
Intend space consuming article (such as the article of the fighting capacity of increase virtual objects), Virtual Space financial item and Virtual Space live animal
Product etc..Server can ask the Virtual Space article of browsing Virtual Space article and request selecting in user, from Virtual Space
Corresponding Virtual Space article is transferred out in item database 40 to be shown and be added to corresponding Virtual Space article
Under account of the user in the first application platform.
Database of the first account data storehouse 50 belonging to the first application platform, record have the residue gold of the first application platform
Volume.
Second server 60 is the service equipment in the second application platform subordinate server cluster, is erected at network side.
In the embodiment of the present invention, second server 60 is such as receiving the delay of the transmission of first server 20 for carrying out payment processing
After payment request, ask to inscribe the instruction that payment interface is jumped to client transmission during corresponding payment in delay in payment, with
The expense that user is stored in the second account data storehouse 70 reduces delay disposal and asks corresponding expense and by the first account
The expense stored in database 50, which increases delay disposal, asks corresponding expense.
It is flat in the second application to be stored with each user for database of the second account data storehouse 70 belonging to the second application platform
Remaining sum under the account of platform.
Collage-credit data storehouse 80 has the database of the financial credit point of each user for the second application platform record.The finance of user
Credit score refers to, according to the behavioral data of the finance of user's history period, network social intercourse etc., the expression user finance measured out
The score value of creditworthiness；The amount of money credit score of user can reflect the probability that user refunds on time within following a period of time or
Probability of debt promise breaking etc..The financial credit of user point is higher, then the creditworthiness of user is higher.The financial credit of user point can
By the model of training prediction user credit, user is imported into the behavioral data of the dimensions such as finance, network social intercourse in model,
The financial credit point of user is calculated.
First server 20 by the open interface in collage-credit data storehouse 80, can get the financial credit point of each user, and
The credit score of each user is obtained with reference to the corresponding data that access of each user in Virtual Space behavior database 30；Optionally,
Collage-credit data storehouse 80 can be bank reference database or the collage-credit data of the financial credit point of other open inquiry users
Storehouse such as has the reference of SNS (Social Networking Services, social network services) platform of big data ability
Database.
In embodiments of the present invention, first server can be according to the access data of each user or according to each user's
Data and the financial credit point of each user are accessed, the respective credit score of each user is obtained, is receiving Virtual Space object
After product choose request, judge whether to ask with delay disposal according to the credit score of user, judging to ask with delay disposal
In the case of, delay in payment request is sent to second server, so that client continues to show the display content of current application, such as
Current application is online game in application, client is then made to continue to show the display content of online game application, so as to postpone visitor
Family end jumps to payment application, improves the fluency of display content.
Based on system shown in Figure 1 framework, Fig. 2 shows the letter of the method for delay disposal request provided in an embodiment of the present invention
Flow is made, with reference to Fig. 2, which may comprise steps of：
101：First server obtains the behavioral data of the corresponding at least one dimension of user, and wherein user is corresponding at least
The behavioral data of one dimension can include the behavioral data of at least one dimension of the user in the first application platform, such as
One server obtains the primary attribute information of such as user from Virtual Space behavior database 30, has paid expense, game number
According to preference data etc..
The behavioral data of the corresponding at least one dimension of certain user can also include：User is in the second application platform
Financial credit point, such as first server obtain the corresponding finance of user from the collage-credit data storehouse 80 of system shown in Figure 1 framework
Credit score.
102：The behavioral data of first server at least one dimension corresponding to user is handled, and obtains behavioral data
Stability features.
In embodiments of the present invention, obtaining a kind of feasible pattern of the stability features of behavioral data is：User is corresponded to
The behavioral data of at least one dimension carry out data prediction and obtain the foundation characteristic of behavioral data, it is such as clear by data
Wash, Data Integration and data structural planning obtain the foundation characteristic of behavioral data, wherein data cleansing includes but not limited to pick
Except the abnormal data in behavioral data, duplicate removal is carried out to behavioral data, filters singular point in behavioral data and to behavior number
Missing values completion in；Normalization of data structure is then to set data type and data knot for the various data in behavioral data
Game data in structure, such as behavioral data, the data structure of game data can be, but not limited to form described in table 1：
The data structure of 1 game data of table
| Major key | Number of days is logged in per monthly average | Login times | Nearest half a year login times |
Since the quantity of the foundation characteristic of behavioral data is more, and also there are correlation between part basis feature, so
The embodiment of the present invention needs to handle the foundation characteristic of behavioral data, obtains the stability features of characterization user credit, example
Foundation characteristic can such as be handled through but not limited to following manner：
According to related coefficient, information gain and independence test, feature iteration screening is carried out to foundation characteristic, obtains basis
Conspicuousness is presetting the feature in notable scope in feature；Classified according to principal component analysis and polymerization, construction conspicuousness is default
The derivative variable of feature in notable scope, and feature based on derivative variable is performed according to related coefficient, information gain
And independence test, the step of feature iteration is screened is carried out to foundation characteristic, repeats the above-mentioned step handled foundation characteristic
Suddenly until the quantity of stability features is identical with the quantity of the input parameter of Rating Model trained in advance, wherein presetting notable model
It encloses and is set according to practical application, the embodiment of the present invention does not limit its specific value.
103：According to the stability features of trained in advance Rating Model and behavioral data, the credit score of user is obtained.Its
Account of the middle user in the second application platform is logged on in the first application platform, and such second server receives first service
Device send request after, can according to account of the user in request in the second application platform to the relevant data of user at
Reason.
It is appreciated that：Before the method that first server is asked in application delay disposal provided in an embodiment of the present invention,
First server is by the way of first expense is paid, therefore before advance trained Rating Model, first server can be straight
It connects according to financial credit point come selected part user, such as selection financial credit point is more than default first financial credit point and selection
Financial credit point is less than the certain customers of default second financial credit point, provides delay in payment function for this certain customers, so
User uses delay in payment after a certain period of time in this section, and the corresponding sample of Rating Model can be obtained from the first application platform
This, wherein default first financial credit point and default second financial credit point can be set according to practical application, and default first
The value of financial credit point is more than default second financial credit point.
After the corresponding sample of Rating Model is obtained from the first application platform, all stability features of sample are obtained,
And using the segmental stability feature in all stability features as training set, using remainder stability features as test
Collection, scoring is trained using machine learning algorithms such as such as LR (Logistic Regression, logistic regression), neutral nets
Model.
Rating Model is trained for example with LR, then Rating Model can be expressed as：
Wherein P is the probability (i.e. the probability of user's not payment in due course) for predicting user's promise breaking, and it is steady that k is that Rating Model uses
The quantity of qualitative features, βiFor model coefficient, β0For intercept, xiFor i-th of stability features, βiAnd β0It can be previously obtained, this
Inventive embodiments no longer illustrate βiAnd β0Acquisition process.
The P that above-mentioned Rating Model exports is converted to the credit score of user, it such as can be according to following credit conversion formula：
The credit score S, bse for obtaining user are basis points, and step is preset step-length, therefore is getting user's
After stability features, the probability P that user breaks a contract can be predicted by Rating Model, and then is used by credit conversion formula
The credit score at family.
104：Client sends the display request of Virtual Space article to first server, and article display request in Virtual Space is used
In the display information for asking at least one Virtual Space article in the first application platform.
Optionally, client can by user's operation, client can the operation based on user, sent to first server virtual
Space article display request；If client is being triggered the operation for detecting user, request shows Virtual Space article
During instruction, client sends the display request of Virtual Space article to first server.
By taking the first application platform is game application platform as an example, as shown in figure 3, the online game that user shows in client
It is clicked in interface under virtual role after article display module, (article is shown under user clicks virtual role at online game interface
Show that component may be considered, trigger the optional form that client sends the user's operation of Virtual Space article display request above),
Client can to first server send show virtual role under can delay in payment Virtual Space article Virtual Space article
Display request.
Obviously, operation of the client based on user sends the mode of Virtual Space article display request to first server,
It is not limited to foregoing description.
105：First server determines to show that request is corresponding with Virtual Space article from the database of the first application platform
Destination virtual space article display information.
Optionally, the display information for request corresponding destination virtual space article being shown with Virtual Space article can be fair
The display information of all Virtual Space articles of family delay in payment allowable.As first server can be determined according to preset rules with
The information of corresponding all Virtual Space articles is asked in Virtual Space article display, and specific preset rules can be following arbitrary
It is one or more of：
Remove Virtual Space article, the removal existing Virtual Space article of user that the corresponding virtual role of non-user uses
Purchase probability is chosen in the first probable range with according to the purchase probability of each Virtual Space article in the first application platform
All Virtual Space articles, the first probable range can not limit it depending on practical application to this embodiment of the present invention
Specific value.
The acquisition modes of the purchase probability of wherein each Virtual Space article can be：
The type related coefficient with user's Virtual Space article that have Virtual Space article similar is obtained, and will be with user
The correlation for having the similar Virtual Space article of Virtual Space article is arranged to negatively correlated, so that type related coefficient is negative
Number；For example have the type of Virtual Space article for type of protection, and user has the Virtual Space article of N part type of protection,
Then purchase probability is lower, therefore will be arranged to negative with the correlation of user's Virtual Space article that have Virtual Space article similar
It is related；
The ratio related coefficient of the grade of Virtual Space article and the grade of existing Virtual Space article is obtained, and will be virtual
The grade of space article and the ratio correlation of the grade of existing Virtual Space article are arranged to positive correlation, so that ratio phase relation
Number is positive number；For example the grade of Virtual Space article is 4 (being considered as rare Virtual Space article), existing Virtual Space article etc.
Grade is 2 (common virtual space article), then grade is that the purchase probability of 4 Virtual Space article is bigger, therefore by Virtual Space
The grade of article and the ratio correlation of the grade of existing Virtual Space article are arranged to positive correlation；
By Virtual Space article and the integrality related coefficient of existing Virtual Space article, and by Virtual Space article and
The integrality correlation for having Virtual Space article is arranged to positive correlation, so that complete related coefficient is positive number, such as it is a set of virtual
Space article has：(weapon, protection include shoulder * 2, gloves * 2, clothes * 1, trousers * 2, shoes * 2), Virtual Space article is anti-
The clothes in type is protected, having Virtual Space article includes weapon and gloves * 2, and trousers * 2, then integrality correlation is positive
It closes, and integrality related coefficient=(4/10)；
The attribute related coefficient of Virtual Space article is obtained, and the Attribute Correlation of Virtual Space article is arranged to positive
It closes, so that attribute related coefficient is positive number；
The financial related coefficient of Virtual Space article is obtained, and the financial correlation of Virtual Space article is arranged to negative
It closes, so that financial related coefficient is negative；
According to type related coefficient, ratio related coefficient, integrality related coefficient, attribute coefficients and financial coefficient, obtain
The purchase probability of Virtual Space article.Such as according to equation below
Obtain the purchase probability P of Virtual Space articleIt downloads, wherein factor betaiFor coefficient, k is the quantity of the coefficient obtained,
The value of k is 5, F in the embodiment of the present inventioniFor i-th of related coefficient.
106：First server sends the display information of destination virtual space article to client, to be shown by client
Show.
107：Client sends Virtual Space article to first server and chooses request.
108：It is corresponding virtual that first server chooses the selection request of Virtual Space article from the article of destination virtual space
Space article, and the Virtual Space article of selection is added in account of the user in the first application platform.
Optionally, client can by user's operation, client can the operation based on user, sent to first server virtual
Space article chooses request；If client is being triggered the operation for detecting user, request purchase Virtual Space article
During instruction, client sends Virtual Space article to first server and chooses request.
By taking the first application platform is game application platform as an example, as shown in figure 4, the online game that user shows in client
After the purchase component under some destination virtual space article of display is clicked in interface, (user clicks at online game interface
Purchase component under some destination virtual space article may be considered, and triggers client above and sends the selection of Virtual Space article
The optional form of the user's operation of request), client can send Virtual Space article to first server and choose request.Obviously,
Operation of the client based on user sends the mode of Virtual Space article selection request to first server, however it is not limited to above-mentioned
Description.
109：First server is when the credit score for judging user meets preset condition, to the corresponding clothes of the second application platform
Business device (second server in such as Fig. 2) sends delay in payment request, to indicate the corresponding server of second application platform
The instruction that preset time jumps to payment interface to client transmission is delayed, and in the preset time delayed, the user exists
Account in first application platform can preferentially use the Virtual Space article of the selection.
I.e. user chooses Virtual Space article from the article of destination virtual space by client and chooses the corresponding void of request
After intending space article, when the credit score for judging user meets preset condition, delay in payment request makes client not jump immediately
Payment interface is gone to, but delays the instruction that preset time just jumps to payment interface to client transmission so that user passes through
After client chooses Virtual Space article, client delays preset time and just jumps to payment interface, in the preset time delayed
Interior client continues to show the content under the first application under the first application platform, and such as the first application platform is game application platform
When, client may proceed to the content under display game application platform lower network game application, and in the preset time delayed, use
Account of the family in the first application platform can be preferentially using the Virtual Space article chosen.
Optionally, in embodiments of the present invention, when judging that the credit score of user is in the range of default credit score, to second
Server sends delay in payment request, wherein credit score scope is preset depending on practical application, when the credit score of user is pre-
If when in the range of credit score, illustrate to allow user first using Virtual Space article, reprocess payment request, therefore at this time can be to the
Two servers send delay in payment request.
Optionally, the embodiment of the present invention can also obtain credit line of the user in the first application platform, corresponding,
When the credit score for judging user meets preset condition, delay in payment request is sent to the corresponding server of the second application platform,
Including：
When judging the credit score of user in the range of default credit score, and judge the branch payment for the Virtual Space article chosen
, in the credit line in first application platform, delay is sent to the corresponding server of the second application platform with less than user
Payment request.
Wherein credit line be user can delay in payment expense rating, then can delay in payment when credit line is higher
Expense rating is bigger, can, when the credit score of user is higher, be depending on the credit score of user in embodiments of the present invention
User sets higher credit line, the credit line of user can also be set according to other conditions certainly, such as according to credit
Divide with ability of payment to set credit line, as follows by the way of decision matrix, considering the credit score (user having a good credit point
For third gear, first grade of fraction is relatively lower) and ability of payment (ability of payment is divided into third gear, and first grade relatively weaker) two
Credit line is set in the case of index.
2 credit line of table is set
| One grade of ability of payment | Two grades of ability of payment | Ability of payment third gear | |
| One grade of credit score | 100 yuan | 200 yuan | 300 yuan |
| Two grades of credit score | 400 yuan | 800 yuan | 1000 yuan |
| Credit score third gear | 1000 yuan | 2000 yuan | 3000 yuan |
110：On the basis of at the time of second server is to receive the second request, preset time processing payment request is delayed.
Optionally, preset time can be averaged the remaining playtime that login time obtains according to user, so surplus
After remaining playtime reaches, second server processing payment request, i.e., user terminate with after the relevant operation of first server,
Second server start to process payment request such as the payment expense for the Virtual Space article that start to process user chooses, so exists
Client continues to the display content of display current application in the preset time that second server is delayed, if current application is network
During game application, then client is made to continue to show the display content of online game application, payment is jumped to so as to postpone client
Using improving the fluency of display content.
Based on above-mentioned technical proposal, in the method for delay disposal request provided in an embodiment of the present invention, first server can
According to Rating Model trained in advance, to obtain the credit score of user, in the virtual sky for getting user and being sent by client
Between article choose request after, if judge that the credit score of user meets preset condition, to the corresponding service of the second application platform
Device sends delay in payment request, is redirected with indicating that the corresponding server of the second application platform delays preset time to client transmission
To the instruction of payment interface, answered so that client can still continue display first after sending Virtual Space article and choosing request
Display content under being applied with platform corresponding first improves the fluency of display content.And in the preset time delayed,
Account of the user in the first application platform it is flat in the first application can to improve user it is preferable to use the Virtual Space article of selection
The fluency operated under platform.
Optionally, the method for delay disposal request provided in an embodiment of the present invention can be applied in game application platform play
In the delay in payment of stage property；Correspondingly, Fig. 5 shows delay disposal requesting method provided in an embodiment of the present invention in game application
The application signal of platform；As shown in Figure 5：
User logs in game application platform by client using the account of payment application platform；
First server obtains at least one dimension of the user on game application platform from the behavior database of Virtual Space
The financial credit point of user is obtained in the behavioral data of degree and telecommunications databases of going on an expedition；
First server obtains the behavioral data of at least one dimension and the stability features of financial credit point, and according to steady
Qualitative features and Rating Model trained in advance, obtain the credit score of user；
When user shows Virtual Space article using client request, client sends Virtual Space object to first server
Product display request；
After first server receives Virtual Space article display request, determined from the item database of Virtual Space and void
Intend the display information of space article display request corresponding destination virtual space article；
When user chooses Virtual Space article using client request, client sends Virtual Space object to first server
Product choose request；
For first server when the credit score for judging user meets preset condition, sending delay in payment to second server please
It asks；On the basis of at the time of second server is to receive the second request, preset time processing payment request is delayed.That is second service
Device postpones preset time, and payment interface jump instruction is sent to client so that client can choose Virtual Space article
Content of the online game under under game application platform is still shown afterwards.It is delayed in the run time arrival of second server
After preset time, the remaining sum of user in the second account data storehouse is reduced the Virtual Space object of user's selection by second server
The payment expense of product, and the branch for the Virtual Space article that the remaining sum increase user of platform in the first account data storehouse is chosen
Payment is used.
Optionally, Fig. 6 shows the application effect of the embodiment of the present invention, postpones when first server is sent to second server
After payment request, client needs to show that payment interface is changed to continue the display content for showing game application from existing, in Fig. 6
Instruction on the right of arrow, client shows next two field picture of game application, to pass through delay disposal provided in an embodiment of the present invention
The method of request improves the fluency of display content.
Based on system shown in Figure 1 framework, Fig. 7 shows the letter of the method for delay disposal request provided in an embodiment of the present invention
Flow is made, with reference to Fig. 7, which adds acquisition and Virtual Space article compared with flow shown in Fig. 2, in first server side
The display request corresponding purchase probability of corresponding destination virtual space article, the wherein computational methods of purchase probability can join
Read the related description in signaling process figure shown in Fig. 2；
According to the corresponding purchase probability of destination virtual space article, the sequence of destination virtual space article is obtained；And
The sequence of destination virtual space article is sent to client, so that client can be according to the sequence of Virtual Space article, to it
The destination virtual space article of display is arranged, if client is according to the sequence of Virtual Space article, according to purchase probability from
It arrives greatly and small is ranked sequentially destination virtual space article.
Correspondingly, when the credit score for judging user meets preset condition, delay in payment request is sent to second server
Optional mode be：
When judging the credit score of user in the range of default credit score, and the Virtual Space article for judging to choose is in all void
When intending the sequence in the article of space in the range of predetermined order, delay in payment request is sent to second server, wherein default row
Sequence scope does not limit its specific value in embodiments of the present invention depending on practical application.
Through the above technical solutions, sequence of the first server permission in all Virtual Space articles is in predetermined order model
Interior Virtual Space article delay in payment is enclosed, and the sequence in all Virtual Space articles is virtual in the range of predetermined order
Space article is the larger Virtual Space article of user's purchase probability, therefore can effectively prevent that user is excessive by this restriction
Consumption.
Optionally, the method for the request of delay disposal shown in Fig. 7 can also decide whether that adjustment is used according to delay disposal situation
The credit score at family can such as adjust the credit score of user by following steps：
713：Being obtained from the first application platform allows each corresponding delay of Virtual Space article of delay disposal
Disposition.
714：Postpone when existing in the corresponding delay disposal situation of each Virtual Space article for allowing delay disposal
During untreated situation, according to the credit score for postponing untreated situation adjustment user.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue duration adjusts the credit score of user according to overdue duration.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue expense adjusts the credit score of user according to overdue expense.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue duration and overdue expense, according to overdue duration and the credit score of overdue expense adjustment user.Implement in the present invention
In example, which kind of degree the credit score of user is adjusted to and is not limited, and after the credit score of adjustment user, to user
Operation in the first application platform is also any limitation as, if following table is according to overdue duration and overdue expense, using decision matrix
Mode limits operation of the user in the first application platform.
Table 3 limits operation of the user in the first application platform
| The overdue amount of money is high | In the overdue amount of money | The overdue amount of money is low | |
| The overdue time is long | Limitation uses account number | Limitation uses account number | Limitation uses part stage property |
| In the overdue time | Limitation uses account number | Limitation uses part stage property | Limitation purchase part stage property |
| The overdue time is short | Limitation uses part stage property | Limitation purchase part stage property | Limitation purchase part stage property |
It through the above technical solutions, can be according to each corresponding delay of Virtual Space article for allowing delay disposal
Untreated situation adjusting the credit score of corresponding user, realizes that the credit score of user is adjusted flexibly.
The device of delay disposal provided in an embodiment of the present invention request is introduced below, delay disposal described below
The device of request, the method that can be asked with above-described delay disposal correspond reference.Delay disposal described below please
The device asked may be considered, and the corresponding server of the first application platform delay disposal that embodiment provides to realize the present invention please
The method asked, the functional module framework of required setting.
Fig. 8 is a kind of structure diagram of the device of delay disposal provided in an embodiment of the present invention request, which can apply
In server, with reference to Fig. 8, which can include：Credit score obtains module 11, the first acquisition request module 12, information and determines
Module 13, the second acquisition request module 14 and request sending module 15.
Credit score obtains module 11, and for according to Rating Model trained in advance, obtaining the credit score of user, user is the
Account in two application platforms is logged on in the first application platform.
Optionally, credit score obtains module 11 and obtains the credit score of user, specifically includes：
Obtain the behavioral data of the corresponding at least one dimension of user, the behavioral data of the corresponding at least one dimension of user
The behavioral data of at least one dimension including user in the first application platform or the corresponding at least one dimension of user
Behavioral data includes behavioral data and user financial credit on second application platform point of the user in the first application platform；
The behavioral data of at least one dimension corresponding to user is handled, and obtains the stability features of behavioral data；
According to the stability features of trained in advance Rating Model and behavioral data, the credit score of user is obtained.
First acquisition request module 12, for obtaining the Virtual Space article display request that user is sent by client,
The display information of at least one Virtual Space article of the Virtual Space article display request in the first application platform of request.
Information determination module 13, please for from the database of the first application platform, determining to show with Virtual Space article
The display information of corresponding destination virtual space article is sought, the display information of destination virtual space article is sent to client, with
According to the display information of destination virtual space article, display target Virtual Space article on the display area of client.
Second acquisition request module 14 chooses request for obtaining the Virtual Space article that user is sent by client,
It Virtual Space article is chosen from the article of destination virtual space chooses and ask corresponding Virtual Space article, and by the virtual of selection
Space article is added in account of the user in the first application platform.
Request sending module 15, for when the credit score for judging user meets preset condition, to the second application platform pair
The server answered sends delay in payment request, to indicate that the corresponding server of the second application platform delays preset time to client
The instruction for jumping to payment interface is sent, and in the preset time delayed, account of the user in the first application platform can be excellent
First using the Virtual Space article chosen.
Optionally, request sending module 15, for when the credit score for judging user meets preset condition, being applied to second
The corresponding server of platform sends delay in payment request, specifically includes：When judging the credit score of user in default credit score scope
When interior, delay in payment request is sent to the corresponding server of the second application platform.
Optionally, the device of delay disposal request provided in an embodiment of the present invention can also include：Amount acquisition module is used
In credit line of the acquisition user in the first application platform.Corresponding request sending module 15, for when the letter for judging user
With when point meeting preset condition, delay in payment request is sent to the corresponding server of the second application platform, is specifically included：
When judging the credit score of user in the range of default credit score, and judge the branch payment for the Virtual Space article chosen
, in the credit line in the first application platform, delay in payment is sent to the corresponding server of the second application platform with less than user
Request.
Fig. 9 is another structure diagram of the device of delay disposal provided in an embodiment of the present invention request, which can answer
For server, can also include on the basis of Fig. 8：Probability acquisition module 16 and sequence acquisition module 17.
Probability acquisition module 16 shows that request corresponding destination virtual space article is each for obtaining with Virtual Space article
Self-corresponding purchase probability.
Sort acquisition module 17, for according to the corresponding purchase probability of destination virtual space article, obtaining target void
Intend the sequence of space article, and the sequence of destination virtual space article is sent from request sending module 15 to client, so that objective
Family end can be according to the sequence of Virtual Space article, and the destination virtual space article shown to it arranges.
Correspondingly, request sending module 15, for when the credit score for judging user meets preset condition, being applied to second
The corresponding server of platform sends delay in payment request, specifically includes：
When judging the credit score of user in the range of default credit score, and the Virtual Space article for judging to choose is in all void
When intending the sequence in the article of space in the range of predetermined order, sending delay in payment to the corresponding server of the second application platform please
It asks.
Optionally, the device of delay disposal request provided in an embodiment of the present invention can also be determined according to delay disposal situation
Whether the credit score of user is adjusted, and the device of such as delay disposal provided in an embodiment of the present invention request can also include：Handle feelings
Condition acquisition module and credit score adjustment module.
Disposition acquisition module, for obtaining each Virtual Space object for allowing delay disposal from the first application platform
The corresponding delay disposal situation of product.
Credit score adjusts module, for when each corresponding delay disposal of Virtual Space article for allowing delay disposal
When there is the untreated situation of delay in situation, according to the credit score for postponing untreated situation adjustment user.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue duration adjusts the credit score of user according to overdue duration.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue expense adjusts the credit score of user according to overdue expense.
Optionally, it is according to the mode for the credit score for postponing untreated situation adjustment user：It obtains and postpones untreated situation
Corresponding overdue duration and overdue expense, according to overdue duration and the credit score of overdue expense adjustment user.Implement in the present invention
In example, which kind of degree the credit score of user is adjusted to and is not limited, and after the credit score of adjustment user, to user
Operation in the first application platform is also any limitation as, if following table is according to overdue duration and overdue expense, using decision matrix
Mode limits operation of the user in the first application platform, as shown in Table 3 above.
The embodiment of the present invention also provides a kind of server, which can include what delay disposal described above was asked
Device.
Figure 10 shows the optional hardware configuration of server, and with reference to Figure 10, which can include：Processor 1, storage
Device 2, transmitter 3 and receiver 4；
Optionally, processor 1 may be a central processor CPU or specific integrated circuit ASIC
It (Application Specific Integrated Circuit) or is arranged to implement the one of the embodiment of the present invention
A or multiple integrated circuits.
Memory 2 may include high-speed RAM (random access memory, random access memory), it is also possible to also
Including nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Wherein, processor 1 performs the program that memory 2 stores, and is specifically used for：
According to Rating Model trained in advance, the credit score of user is obtained, account of the user in the second application platform is stepped on
It records onto the first application platform；
The Virtual Space article display request sent by the acquisition user of receiver 4 by client, Virtual Space article
The display information of at least one Virtual Space article of the display request in the first application platform of request；
From the database of the first application platform, destination virtual space corresponding with the display request of Virtual Space article is determined
The display information of article, and pass through the display information that transmitter 3 sends destination virtual space article to client, in client
Display area on according to the display information of destination virtual space article, display target Virtual Space article；
It the Virtual Space article that user sent by client is obtained by receiver 4 chooses and ask, by processor 1 from institute
It states to choose the Virtual Space article in the article of destination virtual space and choose and asks corresponding Virtual Space article, and by selection
Virtual Space article is added in account of the user in the first application platform；
When the credit score for judging user meets preset condition, by transmitter 3 to the corresponding service of the second application platform
Device sends delay in payment request, is redirected with indicating that the corresponding server of the second application platform delays preset time to client transmission
To the instruction of payment interface, and in the preset time delayed, account of the user in the first application platform can be preferentially using choosing
The Virtual Space article taken.
Each embodiment is described by the way of progressive in this specification, the highlights of each of the examples are with other
The difference of embodiment, just to refer each other for identical similar portion between each embodiment.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so description is fairly simple, related part is said referring to method part
It is bright.
Professional further appreciates that, with reference to each exemplary unit of the embodiments described herein description
And algorithm steps, can be realized with the combination of electronic hardware, computer software or the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is performed actually with hardware or software mode, specific application and design constraint depending on technical solution.Specialty
Technical staff can realize described function to each specific application using distinct methods, but this realization should not
Think beyond the scope of this invention.
It can directly be held with reference to the step of method or algorithm that the embodiments described herein describes with hardware, processor
The combination of capable software module or the two is implemented.Software module can be placed in random access memory (RAM), memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
The foregoing description of the disclosed embodiments enables professional and technical personnel in the field to realize or use the present invention.
A variety of modifications of these embodiments will be apparent for those skilled in the art, it is as defined herein
General Principle can in other embodiments be realized in the case where not departing from the core concept or scope of the present invention.Therefore, originally
Invention is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein
Consistent most wide scope.
Claims (13)
- A kind of 1. method of delay disposal request, which is characterized in that the described method includes：According to Rating Model trained in advance, the credit score of user is obtained, the user passes through the account in the second application platform Log on in the first application platform；The Virtual Space article display request that user is sent by client is obtained, the Virtual Space article display request is used for Ask the display information of at least one Virtual Space article in the first application platform；From the database of first application platform, determine to show the corresponding destination virtual of request with the Virtual Space article The display information of space article sends the display information of destination virtual space article to the client, in client Display area on according to the display information of destination virtual space article, show destination virtual space article；It obtains the Virtual Space article that user is sent by client and chooses request, chosen from the article of the destination virtual space The Virtual Space article, which is chosen, asks corresponding Virtual Space article, and the Virtual Space article of selection is added to the use In account of the family in the first application platform；When the credit score for judging the user meets preset condition, prolong to the corresponding server transmission of second application platform Slow payment request is redirected with indicating that the corresponding server of second application platform delays preset time to client transmission To the instruction of payment interface, and in the preset time delayed, account of the user in the first application platform can preferentially make With the Virtual Space article of the selection.
- It is 2. according to the method described in claim 1, it is characterized in that, described when the credit score for judging the user meets default item During part, delay in payment request is sent to the corresponding server of second application platform, including：When judging that the credit score of the user is in the range of default credit score, to the corresponding server of second application platform Send delay in payment request；OrThe method further includes：Obtain credit line of the user in first application platform；It is described when the credit score for judging the user meets preset condition, sent out to the corresponding server of second application platform Delay in payment is sent to ask, including：When judging the credit score of the user in the range of default credit score, and judge the branch of the Virtual Space article of the selection Payment is less than the user in the credit line in first application platform, to the corresponding clothes of second application platform Business device sends delay in payment request.
- 3. method according to claim 1 or 2, which is characterized in that the method further includes：It obtains and shows the corresponding purchase probability of request corresponding destination virtual space article with the Virtual Space article；According to the corresponding purchase probability of destination virtual space article, the row of destination virtual space article is obtained Sequence；The sequence of destination virtual space article is sent to the client.
- It is 4. according to the method described in claim 3, it is characterized in that, described when the credit score for judging the user meets default item During part, delay in payment request is sent to the corresponding server of second application platform, including：When judging the credit score of the user in the range of default credit score, and judge the Virtual Space article of the selection in institute When stating the sequence in all Virtual Space articles in the range of predetermined order, sent out to the corresponding server of second application platform Delay in payment is sent to ask.
- 5. according to the method described in claim 1, it is characterized in that, the method further includes：Being obtained from first application platform allows each corresponding delay disposal of Virtual Space article of delay disposal Situation；Do not locate when there is delay in the corresponding delay disposal situation of each Virtual Space article of the permission delay disposal During reason situation, according to the credit score for postponing the untreated situation adjustment user.
- 6. according to the method described in claim 1, it is characterized in that, the Rating Model that the basis is trained in advance, obtains user Credit score, including：Obtain the behavioral data of the corresponding at least one dimension of the user, the behavior of the corresponding at least one dimension of the user Data include the behavioral data of at least one dimension of the user in first application platform or the user corresponds to The behavioral data of at least one dimension include the user behavioral data and the user in first application platform Financial credit point in second application platform；The behavioral data of at least one dimension corresponding to the user is handled, and the stability for obtaining the behavioral data is special Sign；According to the stability features of the Rating Model trained in advance and the behavioral data, the credit of the user is obtained Point.
- 7. a kind of device of delay disposal request, which is characterized in that described device includes：Credit score obtains module, for according to Rating Model trained in advance, obtaining the credit score of user, the user is second Account in application platform is logged on in the first application platform；First acquisition request module, for obtaining the Virtual Space article display request that user is sent by client, the void Intend space article display request for asking the display information of at least one Virtual Space article in the first application platform；Information determination module, for from the database of first application platform, determining to show with the Virtual Space article The display information of corresponding destination virtual space article is asked, the aobvious of destination virtual space article is sent to the client Show information, according to the display information of destination virtual space article, to show the destination virtual on the display area of client Space article；Second acquisition request module, the Virtual Space article sent for obtaining user by client choose request, from described It the Virtual Space article is chosen in the article of destination virtual space chooses and ask corresponding Virtual Space article, and by the void of selection Intend space article to be added in account of the user in the first application platform；Request sending module, for when the credit score for judging the user meets preset condition, to second application platform Corresponding server sends delay in payment request, with indicate the corresponding server of second application platform delay preset time to The client transmission jumps to the instruction of payment interface, and in the preset time delayed, the user is flat in the first application Account on platform can preferentially use the Virtual Space article of the selection.
- 8. device according to claim 7, which is characterized in that the request sending module judges the user for working as Credit score when meeting preset condition, send payment request at delay to the corresponding server of second application platform, specifically Including：When judging that the credit score of the user is in the range of default credit score, to the corresponding server of second application platform Send delay in payment request；OrDescribed device further includes：Amount acquisition module, for obtaining line of credit of the user in first application platform Degree；The request sending module, for when the credit score for judging the user meets preset condition, being applied to described second The corresponding server of platform sends delay in payment request, specifically includes：When judging the credit score of the user in the range of default credit score, and judge the branch of the Virtual Space article of the selection Payment is less than the user in the credit line in first application platform, to the corresponding clothes of second application platform Business device sends delay in payment request.
- 9. the device according to claim 7 or 8, which is characterized in that described device further includes：Probability acquisition module shows request corresponding destination virtual space article each for obtaining with the Virtual Space article Corresponding purchase probability；Sort acquisition module, for according to the corresponding purchase probability of destination virtual space article, obtaining the target The sequence of Virtual Space article；The request sending module is additionally operable to send the sequence of destination virtual space article to the client.
- 10. device according to claim 9, which is characterized in that the request sending module judges the user for working as Credit score when meeting preset condition, send delay in payment request to the corresponding server of second application platform, it is specific to wrap It includes：When judging the credit score of the user in the range of default credit score, and judge the Virtual Space article of user's selection When sequence in all Virtual Space articles is in the range of predetermined order, to the corresponding service of second application platform Device sends delay in payment request.
- 11. device according to claim 7, which is characterized in that described device further includes：Disposition acquisition module, for obtaining each Virtual Space object for allowing delay disposal from first application platform The corresponding delay disposal situation of product；Credit score adjusts module, for working as each corresponding delay disposal of Virtual Space article of the permission delay disposal When there is the untreated situation of delay in situation, according to the credit score for postponing the untreated situation adjustment user.
- 12. device according to claim 7, which is characterized in that the credit score obtains module, for according to training in advance Rating Model, obtain the credit score of user, specifically include：Obtain the behavioral data of the corresponding at least one dimension of the user, the behavior of the corresponding at least one dimension of the user Data include the behavioral data of at least one dimension of the user in first application platform or the user corresponds to The behavioral data of at least one dimension include the user behavioral data and the user in first application platform Financial credit point in second application platform；The behavioral data of at least one dimension corresponding to the user is handled, and the stability for obtaining the behavioral data is special Sign；According to the stability features of the Rating Model trained in advance and the behavioral data, the credit of the user is obtained Point.
- 13. a kind of server, which is characterized in that include the device of claim 7-12 any one of them delay disposal request.
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| CN109063433B (en) * | 2018-07-09 | 2021-04-30 | 中国联合网络通信集团有限公司 | False user identification method and device and readable storage medium |
| CN109034823A (en) * | 2018-07-18 | 2018-12-18 | 阿里巴巴集团控股有限公司 | risk identification method, device and server |
| TWI759596B (en) * | 2018-07-18 | 2022-04-01 | 開曼群島商創新先進技術有限公司 | Risk identification method, device and server |
| CN109325810A (en) * | 2018-09-30 | 2019-02-12 | 掌阅科技股份有限公司 | Supplement improvement method, electronic equipment and the computer storage medium of conversion with money |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN109598612B (en) * | 2018-10-16 | 2024-03-08 | 创新先进技术有限公司 | Method and device for resource delay delivery |
| CN113065908A (en) * | 2020-01-02 | 2021-07-02 | ***通信有限公司研究院 | Rental method, rental device, rental platform, and storage medium |
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