CN111050008A - Account balance reminding method and device, electronic equipment and storage medium - Google Patents
Account balance reminding method and device, electronic equipment and storage medium Download PDFInfo
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- CN111050008A CN111050008A CN201911276356.7A CN201911276356A CN111050008A CN 111050008 A CN111050008 A CN 111050008A CN 201911276356 A CN201911276356 A CN 201911276356A CN 111050008 A CN111050008 A CN 111050008A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/85—Notification aspects characterised by the type of condition triggering a notification
- H04M15/852—Low balance or limit reached
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/02—Details
- H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
- H04L12/1432—Metric aspects
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/82—Criteria or parameters used for performing billing operations
- H04M15/8235—Access based
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/83—Notification aspects
- H04M15/84—Types of notifications
- H04M15/844—Message, e.g. SMS
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Abstract
The embodiment of the invention provides an account balance reminding method, an account balance reminding device, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring historical consumption amount and current consumption amount of a user account; predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
Description
Technical Field
The invention relates to the technical field of cloud computing, in particular to an account balance reminding method and device, electronic equipment and a storage medium.
Background
Currently, there are prepaid services in many areas. Through prepaid, the user may enjoy the services provided by the service provider based on the prepaid. For example, in the field of mobile phone communication, after a user prepays a mobile phone account, the user can enjoy a mobile phone call service provided by a communication service provider based on the prepayment, and in the field of video service, after the user prepays a member fee, the user can enjoy a latest charged video provided by a video provider based on the member fee.
Typically, the service provider will calculate the remaining balance of the user's account prepaid annually or monthly. When the balance of the user account is lower than a preset threshold (the preset threshold is mostly a value preset by the user or the service provider), in order to enable the user to enjoy the service of the service provider, the service provider usually sends a prompt message to the user in advance to inform the user that the account balance is insufficient.
However, in the process of implementing the invention, the inventor finds that in the cloud computing field, the balance cannot be calculated by years or months by the service provided by some service providers. If the balance is calculated monthly or yearly, the time for sending the reminding information to the user is too early, so that information interference is brought to the user, or the time for sending the reminding information to the user is too late, so that the risk that the service used by the user is shut down is brought.
Disclosure of Invention
The embodiment of the invention aims to provide an account balance reminding method, an account balance reminding device, electronic equipment and a storage medium, so that the balance of a user account can be predicted more accurately, and reminding information can be sent to the user more accurately. The specific technical scheme is as follows:
in a first aspect, an embodiment of the present invention provides an account balance reminding method, where the method includes:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
Optionally, the historical expense amount is an expense amount within a second preset time period; predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount, wherein the predicting comprises the following steps:
determining a change rate of the consumption amount in a second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
and predicting the total consumption amount in the first preset time period based on the change rate and the current consumption amount.
Optionally, after obtaining the historical consumption amount and the current consumption amount of the user account, the account balance reminding method further includes:
calculating the change rate between every two historical consumption amounts;
and when all the change rates in the second preset time period are positive or negative, executing the step of determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period.
Optionally, after calculating a change rate between every two historical consumption amounts, the account balance reminding method further includes:
when the positive change rate and the negative change rate are included in the second preset time period, calculating the average value of the consumption amount in the second preset time period;
and predicting the total consumption amount in the first preset time period based on the average value and the current consumption amount.
Optionally, after predicting the total consumption amount within a first preset time period based on the current consumption amount and the historical consumption amount, the account balance reminding method further includes:
when the total consumption amount in the first preset time period is smaller than the prepaid amount, calculating a difference value between the prepaid amount and the consumption amount in the preset time period;
and when the difference value is less than or equal to the preset balance threshold value, balance reminding information is sent to the user account.
Optionally, after sending the balance reminding information to the user account, the account balance reminding method further includes:
and sending balance reminding information to the associated account of the user account.
In a second aspect, an embodiment of the present invention further provides an account balance reminding device, where the device includes:
the acquisition module is used for acquiring the historical consumption amount and the current consumption amount of the user account;
the prediction module is used for predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and the first reminding module is used for sending balance reminding information to the user account when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount.
Optionally, the historical expense amount is an expense amount within a second preset time period; a prediction module comprising:
the first change rate calculation submodule is used for determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
and the first prediction sub-module is used for predicting the total consumption amount in the first preset time period based on the change rate and the current consumption amount.
Optionally, the prediction module further includes:
the second change rate calculation module is used for calculating the change rate between every two historical consumption amounts;
and when all the change rates in the second preset time period are positive or negative, triggering the first change rate calculation submodule.
Optionally, the prediction module further includes:
the average value calculation submodule is used for calculating the average value of the consumption amount in the second preset time period when the positive change rate and the negative change rate are simultaneously contained in the second preset time period;
and the second prediction sub-module is used for predicting the total consumption amount in the first preset time period based on the average value and the current consumption amount.
Optionally, the account balance reminding device further includes:
the difference value calculating module is used for calculating the difference value between the prepaid amount and the consumption amount in the preset time period when the total consumption amount in the first preset time period is smaller than the prepaid amount;
and the second reminding module is used for sending balance reminding information to the user account when the difference value is less than or equal to the preset balance threshold value.
Optionally, the account balance reminding device further includes:
and the second reminding module is used for sending balance reminding information to the associated account of the user account.
In a third aspect, an embodiment of the present invention further provides an electronic device, including a processor and a machine-readable storage medium, where the machine-readable storage medium stores machine-executable instructions capable of being executed by the processor, and the processor is caused by the machine-executable instructions to: and implementing the steps of the account balance reminding method provided by the first aspect.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the account balance reminding method provided in the first aspect are implemented.
In a fifth aspect, an embodiment of the present invention further provides a computer program product containing instructions, which when run on a computer, causes the computer to execute the steps of the account balance reminding method provided in the first aspect.
In a sixth aspect, an embodiment of the present invention further provides a computer program, which when running on a computer, causes the computer to execute the steps of the account balance reminding method provided in the first aspect.
According to the account balance reminding method, the account balance reminding device, the electronic equipment and the storage medium, the historical consumption amount and the current consumption amount of the user account can be obtained firstly; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small. Of course, it is not necessary for any product or method of practicing the invention to achieve all of the above-described advantages at the same time.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a first implementation manner of an account balance reminding method according to an embodiment of the present invention;
fig. 2 is a flowchart of a second implementation manner of an account balance reminding method according to an embodiment of the present invention;
fig. 3 is a flowchart of a third implementation manner of an account balance reminding method according to an embodiment of the present invention;
fig. 4 is a flowchart of a fourth implementation manner of an account balance reminding method according to an embodiment of the present invention;
fig. 5 is a flowchart of a fifth implementation manner of an account balance reminding method according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an account balance reminding device according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Currently, in the cloud computing field, services provided by some service providers may be balanced according to flow or according to access amount, for example, company a purchases a pay-per-access service C provided by service provider B for deploying an online mall of company a.
Assuming that the daily access amount of the online shopping mall in a certain period of time is 1 ten thousand and the unit price is 20 yuan/ten thousand (access amount), the service consumption per day in the period of time is 20 yuan; if the balance reminding amount set by the company A according to the prior art is 100 yuan, namely when the balance is 100 yuan, the service provider B sends reminding information to the communication address of the company A.
If the daily access volume of the online shopping mall is kept at 1 ten thousand all the time, after the reminding message is sent, the company A has 5 days to renew and recharge, and the time is relatively sufficient.
However, when the daily access amount of the online shopping mall suddenly increases to more than 5 ten thousand, the daily consumption amount is more than 100 yuan, but if the balance reminding amount is 100 yuan, the time for the service provider B to charge the company a for a recharging fee after sending the reminding information to the communication address of the company a is tense, and the service provider B may stop the service due to the arrearage.
When the daily access amount of the online mall is suddenly reduced to below 5000, the daily consumption amount is below 10 yuan, but if the balance reminding amount is 100 yuan, the service provider B sends the reminding information to the communication address of the company a, and then the online mall of the company a can continue to use the service C10 days or more, so that the time from sending the reminding information to the use of the balance is too long, the time for sending the reminding information is too early, and unnecessary interference can be caused to the company a.
In order to solve the problems in the prior art, embodiments of the present invention provide an account balance reminding method, an account balance reminding device, an electronic device, and a storage medium, so as to predict the account balance of a user more accurately, and further send reminding information to the user more accurately.
Next, an account balance reminding method according to an embodiment of the present invention is described first, and as shown in fig. 1, the method is a flowchart of a first implementation manner of an account balance reminding method according to an embodiment of the present invention, and the method may include:
s110, acquiring historical consumption amount and current consumption amount of a user account;
s120, predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and S130, when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
According to the account balance reminding method provided by the embodiment of the invention, the historical consumption amount and the current consumption amount of the user account can be obtained firstly; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is.
On the basis of the account balance reminding method shown in fig. 1, an embodiment of the present invention further provides a possible implementation manner, and as shown in fig. 2, the present invention is a flowchart of a second implementation manner of the account balance reminding method according to the embodiment of the present invention, where the method may include:
s210, acquiring the consumption amount and the current consumption amount of the user account within a second preset time period;
s220, determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
s230, predicting the total consumption amount in a first preset time period based on the change rate and the current consumption amount;
and S240, when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
In some examples, the historical spending amount of the user account is a spending amount of the user account within a second preset time period. The second preset time period is a time period set empirically in advance, for example, the second preset time period is 5 days or 10 days, and the like. The second preset time period is a time period before the current time corresponding to the current consumption amount.
After the amount of money consumed within the second preset time period is obtained, the rate of change of the amount of money consumed within the second time period may be calculated.
In some examples, when the amount of each consumption in the second time period is increased, the increase rate of the amount of consumption in the second time period can be calculated; if the amount of each of the spending amounts in the second time period is decremented, a rate of decrease of the spending amount in the second time period may be calculated. Thus, the rate of increase or decrease of the amount of consumption can be determined.
The future spending amount of the user account may then be predicted based on the rate of increase or decrease of the spending amount and the current spending amount.
In some examples, the first preset time period is a time period after the current time corresponding to the current consumption amount; the first preset time period may be a time period of the advance reminder set by the user, or a time period of the advance reminder set by the service provider, for example, when the user sets the reminder 3 days in advance, the first preset time period is 3 days.
In the embodiment of the present invention, the consumption amount of each day or each hour after the current time corresponding to the current consumption amount may be calculated based on the above-mentioned change rate and the current consumption amount. And then adding the consumption amount of each day or each hour in the first preset time period to predict the total consumption amount in the first preset time period.
And finally, comparing the predicted total consumption amount in the first preset time period with the prepaid amount of the user account, and if the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, indicating that the total consumption amount in the first preset time period is higher, sending balance reminding information to the network communication address of the user account so that the user can timely recharge and pay.
In still other examples, the network communication address of the user account may be a mailbox address or a mobile phone number corresponding to the user account.
By the embodiment of the invention, the consumption amount within a period of time after the current moment can be more accurately predicted, and whether the consumption amount within the period of time is higher or not can be more accurately predicted, so that whether balance reminding information is sent or not is determined, and the condition that the balance reminding information is sent too early or too late is avoided.
It is understood that steps S210 and S240 in the embodiment of the present invention are the same as or similar to steps S110 and S130 in the first embodiment, and are not described again here.
On the basis of the account balance reminding method shown in fig. 2, an embodiment of the present invention further provides a possible implementation manner, and as shown in fig. 3, the present invention is a flowchart of a third implementation manner of the account balance reminding method according to the embodiment of the present invention, where the method may include:
s310, acquiring the consumption amount and the current consumption amount of the user account within a second preset time period;
s320, calculating the change rate between every two historical consumption money in a second preset time period;
s330, when all the change rates in the second preset time period are positive or negative, determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
s340, predicting the total consumption amount in a first preset time period based on the change rate and the current consumption amount;
and S350, when the total consumption amount in the first preset time period is larger than or equal to the prepaid amount, sending balance reminding information to the user account.
In some examples, the amount of consumption per day or per hour may increase or decrease during the second predetermined period of time. When the consumption amount in the second preset time period is decreased progressively, all the change rates in the second preset time period are negative, and when the consumption amount in the second preset time period is increased progressively, all the change rates in the second preset time period are positive.
When all the change rates within the second preset time period are positive or negative, step S330 may be performed. In this way, an overall rate of change of the amount of consumption over the second predetermined period of time, i.e. the rate of change of the amount of consumption over the second predetermined period of time, can be derived.
In still other examples, when all the change rates within the second preset time period are positive or negative, an average value may be calculated for all the change rates within the second preset time period, and then the calculated average value may be used as the change rate of the amount of money consumed for the second preset time period.
It is understood that steps S310, S340 and S350 in the embodiment of the present invention are the same as or similar to steps S210, S230 and S240 in the second implementation, and are not repeated herein.
On the basis of the account balance reminding method shown in fig. 3, an embodiment of the present invention further provides a possible implementation manner, and as shown in fig. 4, the present invention is a flowchart of a fourth implementation manner of the account balance reminding method according to the embodiment of the present invention, where the method may include:
s410, acquiring the consumption amount and the current consumption amount of the user account within a second preset time period;
s420, calculating the change rate between every two historical consumption money in a second preset time period;
s430, judging whether the second preset time period simultaneously contains a positive change rate and a negative change rate, if so, executing the step S460, and if not, executing the step S440;
s440, determining a change rate of the consumption amount in a second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
s450, predicting the total consumption amount in a first preset time period based on the change rate and the current consumption amount, and executing the step S480;
s460, calculating the average value of the consumption money in a second preset time period;
and S470, predicting the total consumption amount in the first preset time period based on the average value and the current consumption amount, and executing the step S480.
S480, judging whether the total consumption amount in the first preset time period is smaller than the prepaid amount, and if not, executing the step S490;
and S490, sending balance reminding information to the user account.
In some examples, when the amount of consumption in the second predetermined period of time is likely to increase or decrease, all rates of change in the second predetermined period of time may be positive or negative.
When all the consumption change rates in the second preset time period are positive and negative, the positive change rate and the negative change rate are simultaneously contained in the second preset time period, and then the average value of the historical consumption money of the money in the second preset time period can be calculated. The amount of spending per day or per hour for the first preset period of time may then be calculated based on the average and the current amount of spending.
The amounts consumed daily or hourly during the first predetermined period are then summed so that the total amount consumed during the first predetermined period can be predicted.
After predicting the total amount of money consumed within the first preset time period, steps S480 and S490 may be performed to determine whether to send a balance reminder to the communication address of the user account.
Through the embodiment of the invention, the consumption amount in the second preset time period can be predicted when wave-shaped fluctuation is generated. Therefore, the user can be reminded in time by the account balance reminding method in the embodiment of the invention no matter the consumption amount in the second preset time period is increased or reduced or fluctuates in a wave manner.
It is understood that steps S410, S420, S440, S450, and S490 in the embodiment of the present invention are the same as or similar to steps S310 to S350 in the third embodiment, and are not repeated herein.
On the basis of the account balance reminding method shown in fig. 4, an embodiment of the present invention further provides a possible implementation manner, as shown in fig. 5, which is a flowchart of a fifth implementation manner of the account balance reminding method shown in the embodiment of the present invention, and after determining whether the total consumption amount in the first preset time period is smaller than the prepaid amount at S480, when the total consumption amount in the first preset time period is smaller than the prepaid amount, the method may further include:
s4910, calculating a difference value between the prepaid amount and the total consumption amount in the first preset time period;
and S4920, when the difference value is less than or equal to the preset balance threshold value, sending balance reminding information to the user account.
In still other examples, when the amount of money consumed in the second predetermined time period is in a downward trend, i.e., the amount of money consumed per day or per hour in the second predetermined time period is decreased, the predicted total amount of money consumed in the first predetermined time period should be smaller. For example, assuming that the second preset time period is 5 days, the consumption amounts of the following money are sequentially consumed for the 5 days: 50-, 45-, 40-, 35-and 30-membered. Assuming that the prepaid amount of the user is 100 yuan and the first preset time period is also 5 days, and assuming that the total consumption amount within the 5-day time is predicted to be 85 yuan, no balance reminding information is sent to the user.
However, within the 5 days, there may be a case where the consumption amount suddenly increases, and thus there may be a case where the predicted total consumption amount is smaller than the actual total consumption amount, so that the actual total consumption amount is larger than the prepaid amount, and at this time, there may also be a risk that the user account is turned off the service by the service provider due to arrears.
In order to reduce the probability of the occurrence of the above situation, when the total amount of consumption in the first preset time period is less than the prepaid amount, a difference between the prepaid amount and the total amount of consumption in the first preset time period may be calculated, then the calculated difference is compared with a preset balance threshold, and when the difference is less than or equal to the preset balance threshold, a balance reminding message may be sent to the user account.
Therefore, the situation that the balance reminding information is not sent timely due to sudden increase of the actual consumption amount can be reduced. Thereby improving the user experience.
In some examples, the network communication address of the user may be recorded in the user account, and therefore, the balance reminding information may be sent to the network communication address of the user. The network communication address may be an email address, a mobile phone account, and the like of the user.
In some examples, after sending the balance reminder information to the user account, the balance reminder information may also be sent to an associated account of the user account. The associated account may be an account that has an association relationship with the user account in advance, for example, the associated account may be a wechat account, a QQ account, or the like.
In still other examples, the associated account may also be a customer service account of the service provider. Therefore, the balance reminding information can be sent to the customer service account of the service provider, so that the customer service corresponding to the customer service account can inform the user in time.
Corresponding to the above method embodiment, an account balance reminding device is further provided in the embodiment of the present invention, as shown in fig. 6, which is a schematic structural diagram of an account balance reminding device in the embodiment of the present invention, and the device may include:
an obtaining module 610, configured to obtain a historical consumption amount and a current consumption amount of a user account;
the prediction module 620 is configured to predict a total consumption amount within a first preset time period based on the current consumption amount and the historical consumption amount;
and the first reminding module 630 is configured to send balance reminding information to the user account when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount.
The account balance reminding device provided by the embodiment of the invention can firstly acquire the historical consumption amount and the current consumption amount of the user account; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
In some examples, the historical spending amount is a spending amount within a second preset time period; a prediction module 620, comprising:
the first change rate calculation submodule is used for determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period, wherein the change rate comprises: an increase rate or a decrease rate;
and the first prediction sub-module is used for predicting the total consumption amount in the first preset time period based on the change rate and the current consumption amount.
In some examples, the prediction module 620, further comprises:
the second change rate calculation module is used for calculating the change rate between every two historical consumption amounts;
and when all the change rates in the second preset time period are positive or negative, triggering the first change rate calculation submodule.
In some examples, the prediction module 620, further comprises:
the average value calculation submodule is used for calculating the average value of the consumption amount in the second preset time period when the positive change rate and the negative change rate are simultaneously contained in the second preset time period;
and the second prediction sub-module is used for predicting the total consumption amount in the first preset time period based on the average value and the current consumption amount.
In some examples, the account balance reminding apparatus further includes:
the difference value calculating module is used for calculating the difference value between the prepaid amount and the consumption amount in the preset time period when the total consumption amount in the first preset time period is smaller than the prepaid amount;
and the second reminding module is used for sending balance reminding information to the user account when the difference value is less than or equal to the preset balance threshold value.
In some examples, the account balance reminding device may further include:
and the second reminding module is used for sending balance reminding information to the associated account of the user account.
An electronic device according to an embodiment of the present invention is further provided, as shown in fig. 7, which is a schematic structural diagram of an electronic device applying an account balance reminding method according to an embodiment of the present invention, where the electronic device may include a processor 701 and a machine-readable storage medium 702, where the machine-readable storage medium 702 stores a machine-executable instruction that can be executed by the processor 701, and the processor 701 is caused by the machine-executable instruction to: the steps of implementing the account balance reminding method shown in any of the above embodiments may be implemented, for example, as follows:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
The machine-readable storage medium 702 may include a Random Access Memory (RAM) and may also include a Non-Volatile Memory (NVM), such as at least one disk Memory. Optionally, the memory may also be at least one memory device located remotely from the processor.
The Processor 701 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components.
According to the electronic equipment provided by the embodiment of the invention, the historical consumption amount and the current consumption amount of the user account can be obtained firstly; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program is executed by a processor, the steps of implementing the account balance reminding method shown in any of the above embodiments are implemented, for example, the following steps may be implemented:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
The computer-readable storage medium provided by the embodiment of the invention can be used for firstly acquiring the historical consumption amount and the current consumption amount of a user account; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
An embodiment of the present invention further provides a computer program product including instructions, which when run on a computer, causes the computer to perform the steps of the account balance reminding method shown in any of the above embodiments, for example, the following steps may be performed:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
The computer program product containing the instruction provided by the embodiment of the invention can firstly acquire the historical consumption amount and the current consumption amount of the user account; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
An embodiment of the present invention further provides a computer program, which when running on a computer, causes the computer to execute the steps of the account balance reminding method shown in any of the above embodiments, for example, the following steps may be executed:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
According to the computer program provided by the embodiment of the invention, the historical consumption amount and the current consumption amount of the user account can be obtained firstly; then predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount; and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account. Therefore, when the total consumption amount in the first preset time period is predicted to be higher, whether the balance of the user account is too small or not can be predicted in time, and reminding information can be sent to the user in time when the balance of the user account is predicted to be too small.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
All the embodiments in the present specification are described in a related manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.
Claims (10)
1. An account balance reminding method, characterized in that the method comprises:
acquiring historical consumption amount and current consumption amount of a user account;
predicting a total consumption amount within a first preset time period based on the current consumption amount and the historical consumption amount;
and when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount, sending balance reminding information to the user account.
2. The method of claim 1, wherein the historical spending amount is a spending amount within a second preset time period; predicting a total expense amount within a first preset time period based on the current expense amount and the historical expense amount, wherein the predicting comprises:
determining a rate of change of the amount of spending over the second preset time period based on the amount of spending over the second preset time period, wherein the rate of change includes: an increase rate or a decrease rate;
predicting a total spending amount within the first preset time period based on the change rate and the current spending amount.
3. The method of claim 2, wherein after the obtaining of the historical spending amount and the current spending amount of the user account, the method further comprises:
calculating a rate of change between each two of the historical spending amounts;
and when all the change rates in the second preset time period are positive or negative, executing the step of determining the change rate of the consumption amount in the second preset time period based on the consumption amount in the second preset time period.
4. The method of claim 3, wherein after said calculating a rate of change between each two of said historical spending amounts, said method further comprises:
when the second preset time period simultaneously contains the positive change rate and the negative change rate, calculating the average value of the consumption amount in the second preset time period;
and predicting the total consumption amount in the first preset time period based on the average value and the current consumption amount.
5. The method of claim 1, wherein after predicting a total spend amount within a first preset time period based on the current spend amount and the historical spend amount, the method further comprises:
when the total consumption amount in the first preset time period is smaller than the prepaid amount, calculating a difference value between the prepaid amount and the consumption amount in the preset time period;
and when the difference value is less than or equal to a preset balance threshold value, sending balance reminding information to the user account.
6. The method of claim 1 or 5, wherein after the sending balance reminder information to the user account, the method further comprises:
and sending balance reminding information to the associated account of the user account.
7. An account balance reminder apparatus, the apparatus comprising:
the acquisition module is used for acquiring the historical consumption amount and the current consumption amount of the user account;
the prediction module is used for predicting the total consumption amount in a first preset time period based on the current consumption amount and the historical consumption amount;
and the first reminding module is used for sending balance reminding information to the user account when the total consumption amount in the first preset time period is greater than or equal to the prepaid amount.
8. The apparatus of claim 7, wherein the historical spending amount is a spending amount within a second preset time period; the prediction module comprises:
a first change rate calculation sub-module for determining a change rate of the amount of consumption within the second preset time period based on the amount of consumption within the second preset time period, wherein the change rate includes: an increase rate or a decrease rate;
and the first prediction sub-module is used for predicting the total consumption amount in the first preset time period based on the change rate and the current consumption amount.
9. An electronic device comprising a processor and a machine-readable storage medium storing machine-executable instructions executable by the processor, the processor being caused by the machine-executable instructions to: carrying out the process steps of any one of claims 1 to 6.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the method steps of any one of claims 1 to 6.
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