CN-121998704-A - Rights registration method, device, equipment and storage medium based on payment behavior

CN121998704ACN 121998704 ACN121998704 ACN 121998704ACN-121998704-A

Abstract

According to the rights and interests registering method, device, equipment and storage medium based on the payment behaviors, through receiving payment completion information and automatically extracting key data, then intelligently matching and calculating the rights and interests based on the preset rights and interests rule base, and finally automatically registering the rights and interests information to the corresponding personal accounts, a complete set of 'payment just-in-time registration' automatic flow is realized. The method effectively overcomes the defects of complicated rights acquisition and separation of payment and rights in the prior art, and has the advantages that firstly, the non-sensibility and automation of rights acquisition are realized, the rights registration is finished in a silent mode when the user finishes the payment, the convenience of operation and the smoothness of user experience are greatly improved, and secondly, the accuracy and timeliness of rights issuing are ensured through the automatic association of the payment behavior and the rights rule of the system, and the omission or mistakes possibly caused by manual operation are reduced.

Inventors

LI SONG
XU HAIBIN
Yang Jukang
GU YIJIAN
WEN LIMIN
LIU YUANQIANG

Assignees

衢州市人力资源和社会保障信息中心
衢州市居民服务一卡通有限公司

Dates

Publication Date: 20260508
Application Date: 20251230

Claims (10)

1. A payment behavior-based rights registering method, comprising: Receiving payment completion information from a payment system, the payment completion information associated with a transaction completed by a user through an identification payment instrument; extracting user identification and transaction characteristic data from the payment completion information; Matching and calculating the rights and interests information corresponding to the transaction based on the transaction characteristic data and a preset rights and interests rule base; Registering the calculated rights and interests information into the personal rights and interests account bound with the user identification.
2. The payment action-based equity registration method of claim 1 further comprising, after the step of registering the calculated equity information into a personal equity account bound to the user identification: And responding to the inquiry request, and providing an interactive interface for uniformly displaying the personal equity account lower equity information.
3. The payment action-based equity registration method of claim 1 further comprising, after the step of registering the calculated equity information into a personal equity account bound to the user identification: The state of each interest in the personal interest account is monitored, and prompt operation for specific interest is automatically initiated based on preset trigger conditions and user preferences.
4. The payment behavior-based equity registration method of claim 1 wherein the preset trigger conditions include equity validity period thresholds and wherein the equity validity period thresholds are determined based on historical usage timeliness of the same class equity by the user.
5. The method for registering interests based on payment actions according to claim 1, wherein the step of matching and calculating interests information corresponding to the present transaction based on the transaction characteristic data and a preset interests rule base comprises: matching one or more corresponding rights calculation rules from the rights rule base according to the merchant identification in the transaction characteristic data; and calling a corresponding third party rights service through a preset adaptation interface according to the matched rights calculation rule so as to acquire the rights information.
6. The payment behavior-based rights registering method according to claim 1, wherein the step of calling a corresponding third party rights service through a preset adaptation interface according to the matched rights calculating rule to obtain the rights information specifically comprises: if the matched rule type is a local calculation rule, generating the rights and interests information directly according to rule logic and the transaction characteristic data; If the matched rule type is an external calling rule, a query is initiated to a designated third party rights and interests platform through the adaptation interface, and format analysis and verification are carried out on data returned by the platform so as to obtain the rights and interests information.
7. The payment action-based equity registration method of claim 1 further comprising, prior to the step of registering the calculated equity information into a personal equity account bound to the user identification: Checking the validity of the equity information, wherein the validity checking comprises at least one of checking whether equity exists in a validity period, checking whether equity types are supported by the personal equity account or not, and checking whether the issuing of the equity conflicts with the existing equity.
8. A payment behavior-based rights registering apparatus, comprising: The information receiving module is used for receiving payment completion information from the payment system, wherein the payment completion information is associated with a transaction completed by a user through the identification payment tool; The information extraction module is used for extracting user identification and transaction characteristic data from the payment completion information; The rule matching module is used for matching and calculating the rights and interests information corresponding to the transaction based on the transaction characteristic data and a preset rights and interests rule base; and the information registration module is used for registering the calculated rights and interests information into the personal rights and interests account bound with the user identification.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the payment behavior based equity registration method of any of claims 1 to 7 when the program is executed by the processor.
10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor implements the payment behavior based equity registration method according to any of claims 1 to 7.

Description

Rights registration method, device, equipment and storage medium based on payment behavior Technical Field The present invention relates to the field of electronic payment technologies, and in particular, to a rights and interests registering method, apparatus, device and storage medium based on payment behavior. Background In current digital payment and equity ecology, users often obtain equity rewards in various forms such as points, coupons, red packages, etc. after completing the consumption through identification payment tools (such as social security cards, membership cards, etc.). However, the prior art generally suffers from the fact that the payment system and the equity management system are generally independent of each other, and equity issuing rules are distributed among affiliated merchants or third party platforms. This results in a significant decoupling of the user's payment behavior from the equity acquisition process, often requiring the user to manually conduct claim or redemption operations on multiple platforms, a cumbersome process, and experience fragmentation. In addition, due to the lack of an automatic association mechanism, the accuracy and timeliness of rights and interests issuing are difficult to ensure, and users are very easy to forget or miss the obtained rights and interests, so that the overall use efficiency of the rights and interests and the user obtaining sense are reduced. In view of the above, there is a need to solve the problems in the prior art. Disclosure of Invention The invention provides a rights registering method, device, equipment and storage medium based on payment behaviors, which are used for solving the defects in the prior art and ensuring the accuracy and timeliness of rights issuing. The invention provides a rights and interests registering method based on payment behavior, which comprises the following steps: Receiving payment completion information from a payment system, the payment completion information associated with a transaction completed by a user through an identification payment instrument; extracting user identification and transaction characteristic data from the payment completion information; Matching and calculating the rights and interests information corresponding to the transaction based on the transaction characteristic data and a preset rights and interests rule base; Registering the calculated rights and interests information into the personal rights and interests account bound with the user identification. According to the rights registering method based on payment behavior provided by the invention, after the step of registering the calculated rights information into the personal rights account bound with the user identifier, the method further comprises the following steps: And responding to the inquiry request, and providing an interactive interface for uniformly displaying the personal equity account lower equity information. According to the rights registering method based on payment behavior provided by the invention, after the step of registering the calculated rights information into the personal rights account bound with the user identifier, the method further comprises the following steps: The state of each interest in the personal interest account is monitored, and prompt operation for specific interest is automatically initiated based on preset trigger conditions and user preferences. According to the equity registration method based on the payment behavior, the preset triggering condition comprises an equity validity period threshold, and the equity validity period threshold is determined according to the historical use time rate of the user on equity. According to the rights registering method based on payment behavior provided by the invention, the steps of matching and calculating the rights information corresponding to the transaction based on the transaction characteristic data and a preset rights rule base specifically comprise the following steps: matching one or more corresponding rights calculation rules from the rights rule base according to the merchant identification in the transaction characteristic data; and calling a corresponding third party rights service through a preset adaptation interface according to the matched rights calculation rule so as to acquire the rights information. According to the rights registering method based on payment behavior provided by the invention, the step of calling the corresponding third party rights service through the preset adaptation interface according to the matched rights calculating rule to acquire the rights information specifically comprises the following steps: if the matched rule type is a local calculation rule, generating the rights and interests information directly according to rule logic and the transaction characteristic data; If the matched rule type is an external calling rule, a query is initiated to a designated third party rights and interests