CN110136002A

CN110136002A - Payment based reminding method and device calculate equipment and computer readable storage medium

Info

Publication number: CN110136002A
Application number: CN201910216301.0A
Authority: CN
Inventors: 魏庆成; 徐旭
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-03-21
Filing date: 2019-03-21
Publication date: 2019-08-16
Anticipated expiration: 2039-03-21
Also published as: CN110136002B

Abstract

The application provides payment based reminding method and device, calculates equipment and computer readable storage medium, wherein the application provides a kind of payment based reminding method, comprising: the member that identifies project participates in the payment amount of money generated in Project Process；It obtains the program member and executes behavioral data at least with the operation of the item association in the project platform for carrying the project operation；By analyzing the determining payment alerting pattern for sending execution payment operation to the program member of the behavioral data；It reminds the program member to be based on the payment amount of money using the payment alerting pattern and executes the payment operation.Payment based reminding method provided by the present application, pass through behavioral data of the analysis project member in project platform, it determines to send the mode of payment prompting to program member and send payment to program member and remind, reasonability and transmitting efficiency that payment is reminded are improved, facilitates program member to check and accept payment in time and reminds.

Description

Payment based reminding method and device calculate equipment and computer readable storage medium

Technical field

This application involves technical field of data processing, in particular to a kind of payment based reminding method.The application is related to one simultaneously Kind payment alarm set, a kind of calculating equipment and a kind of computer readable storage medium.

Background technique

With the development of internet insurance business, it is proposed post-paid mutual insurance mode on the market, in this insurance model In, insured people can be added in this insurance business after reaching entry criteria as defined in this insurance model, the insurance model Insured people illness during insurance business will be settled a claim, and Claims Resolution money is shared by other insured people, be detained by insurance company Money is paid the fees by other insured people in addition to being settled a claim.This insurance is due to low with payment amount of money, and audient's scale is big, phase To it is more fair and just the advantages that, favor by user.

Currently, Claims Resolution money the raising mode mainly pass through insurance company withhold to the fund account of insured people or by Other insured people in addition to being settled a claim carry out active payments, there is no the enough amount of money in the fund account of insured people for withholding or Insured people forget payment when, in insurance business publicity do not pay the fees insured roster and to insured human hair send payment remind.

However, often checking or receiving not in time since liveness of the insured people in part in insurance business is lower Payment is reminded, and for this kind of insured people, one is will lead to the payment amount of money deficiency that insurance business should be collected, should be settled a claim Insured people can not obtain enough Claims Resolution moneys, influence personal to believe the second is will lead to the insured people that does not pay the fees and generate overdue payment With.

Summary of the invention

In view of this, this application provides a kind of payment based reminding method, to solve technological deficiency existing in the prior art. The application provides a kind of payment alarm set, a kind of calculating equipment and a kind of computer readable storage medium simultaneously.

The application provides a kind of payment based reminding method, comprising:

The member that identifies project participates in the payment amount of money generated in Project Process；

Obtain the program member executed in the project platform for carrying the project operation at least with the item association Operation behavioral data；

By analyzing the determining payment alerting pattern for sending execution payment operation to the program member of the behavioral data；

It reminds the program member to be based on the payment amount of money using the payment alerting pattern and executes the payment operation.

Optionally, the behavioral data, including at least one of following:

Login behavioral data of the program member based on the project platform, the program member is in the project platform In the browsing item page behavioral data based on the project, the friendship that the program member trades in the project platform Easy behavioral data.

Optionally, described to be determined by analyzing the behavioral data to institute if the behavioral data is to log in behavioral data It states program member and sends the payment alerting pattern for executing payment operation, comprising:

It is determined to send to the program member according to the login behavioral data and payment behaviour is executed based on the payment amount of money The payment alerting pattern of work is to log in payment alerting pattern；

Correspondingly, described remind the program member to be based on payment amount of money execution institute using the payment alerting pattern State payment operation, comprising:

Using login payment alerting pattern, after the program member is based on project platform execution register The payment for executing payment operation based on the payment amount of money is sent to the program member to remind.

Optionally, described by analyzing the behavioral data if the behavioral data is browsing item page behavioral data Determine the payment alerting pattern for sending to the program member and executing payment operation, comprising:

It is determined to send to the program member according to the browsing item page behavioral data and be held based on the payment amount of money The payment alerting pattern that payment operates of going is browsing item page payment alerting pattern；

Using browsing item page payment alerting pattern, institute is based in the project platform in the program member It states after the project implementation browses the item page operation and sends to the program member based on payment amount of money execution payment behaviour The payment of work is reminded.

Optionally, described to be determined by analyzing the behavioral data to institute if the behavioral data is trading activity data It states program member and sends the payment alerting pattern for executing payment operation, comprising:

It is determined to send to the program member according to the trading activity data and payment behaviour is executed based on the payment amount of money The payment alerting pattern of work is transaction payment alerting pattern；

Using transaction payment alerting pattern, dynamic account transaction behaviour is executed in the project platform in the program member The payment for executing payment operation based on the payment amount of money is sent to the program member after work to remind.

Optionally, it is executed within the payment period of the project described using the payment alerting pattern prompting project Member is based on the payment amount of money and executes the payment operating procedure.

Optionally, described to remind the program member to be based on payment amount of money execution institute using the payment alerting pattern It states after paying the fees operating procedure execution, comprising:

In the case where detecting the payment end cycle, operation failure of paying the fees is executed within the payment period The program member carries out project and clears up and discharges processing.

Optionally, the project includes: mutual assistance mutual aid project；

The program member includes: the mutual assistance mutual aid program member for participating in the mutual assistance mutual aid project；

The project platform includes: to carry the mutual assistance mutual aid project and include at least the mutual assistance mutual aid program member to be The mutual assistance mutual aid project platform of user；

The payment amount of money includes: that the mutual assistance mutual aid program member participates in generating in the mutual assistance mutual aid Project Process The contribution quota that mutual aid money obtains after sharing according to mutual assistance mutual aid program member's quantity.

Optionally, before the payment amount of money step generated in member's participation Project Process of identifying project executes, comprising:

The user for participating in the mutual assistance mutual aid project platform of the mutual assistance mutual aid project to application carries out information verification；Institute It states user and passes through the mutual assistance mutual aid program member after the information verification as the mutual assistance mutual aid project；

Generate the project details that the mutual assistance mutual aid program member participates in the mutual assistance mutual aid project；In the project details Mutual assistance mutual aid program member's information of the mutual assistance mutual aid project is participated in comprising the mutual assistance mutual aid program member.

Optionally, mutual assistance mutual aid program member's information, including at least one of following:

The contact method of the mutual assistance mutual aid program member, the fund account of the mutual assistance mutual aid program member are described mutual Help the mutual assistance mutual aid project platform account of mutual aid program member.

Optionally, it is described obtain the program member executed in the project platform for carrying the project operation at least with institute State the behavioral data of the operation of item association, comprising:

Obtain the active time that the mutual assistance mutual aid program member executes operation in the mutual assistance mutual aid project platform；

Determine the mutual assistance mutual aid program member in the mutual assistance mutual aid project platform by analyzing the active time Active time section.

Optionally, described to determine paying to program member transmission execution payment operation by analyzing the behavioral data Take alerting pattern, comprising:

It is sent in the active time section to the mutual assistance mutual aid program member according to the contact method and is paid based on described Take the payment reminding short message that the amount of money executes payment operation.

Optionally, the member that identifies project participates in the payment amount of money generated in Project Process, comprising:

Receive the application mutual aid money request of the mutual assistance mutual aid program member；

The mutual assistance mutual aid program member is examined according to mutual aid money request；

If passing, shared described in acquisition according to the mutual aid money according to mutual assistance mutual aid program member's quantity Contribution quota.

The application also provides a kind of payment alarm set, comprising:

Payment amount of money determining module is configured to determine that program member participates in the payment amount of money generated in Project Process；

Behavioral data obtains module, is configured as obtaining the program member in the project platform for carrying the project operation Behavioral data of the middle execution at least with the operation of the item association；

Payment alerting pattern determining module is configured as determining by analyzing the behavioral data to program member hair Send the payment alerting pattern for executing payment operation；

Reminding module is configured as reminding the program member to be based on the payment amount of money using the payment alerting pattern Execute the payment operation.

The application also provides a kind of calculating equipment, comprising:

Memory and processor；

For the memory for storing computer executable instructions, the processor is executable for executing the computer Instruction:

The application also provides a kind of computer readable storage medium, is stored with computer instruction, and the instruction is by processor The step of above-mentioned payment based reminding method is realized when execution.

Compared with prior art, the application has the advantages that

The application provides a kind of payment based reminding method, comprising: the member that identifies project participates in the payment generated in Project Process The amount of money；It obtains the program member and executes behaviour at least with the item association in the project platform for carrying the project operation The behavioral data of work；Determine that the payment for executing payment operation is sent to the program member to be reminded by analyzing the behavioral data Mode；It reminds the program member to be based on the payment amount of money using the payment alerting pattern and executes the payment operation.

Payment based reminding method provided by the present application is determined by behavioral data of the analysis project member in project platform To program member send payment remind mode and to program member send payment remind, improve payment remind reasonability and Transmitting efficiency facilitates program member to check and accept payment in time and reminds.

Detailed description of the invention

Fig. 1 is a kind of payment based reminding method process flow diagram provided by the embodiments of the present application；

Fig. 2 is a kind of process flow of the payment based reminding method provided by the embodiments of the present application in mutual assistance mutual aid health insurance scene Figure；

Fig. 3 is a kind of schematic diagram of alarm set of paying the fees provided by the embodiments of the present application；

Fig. 4 is a kind of structural block diagram for calculating equipment provided by the embodiments of the present application.

Specific embodiment

Many details are explained in the following description in order to fully understand the application.But the application can be with Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where Under do similar popularization, therefore the application is not limited by following public specific implementation.

The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments, It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes One or more associated any or all of project listed may combine.

It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determination ".

The application provides a kind of payment based reminding method, and the application also provides a kind of payment alarm set, a kind of calculating equipment, And a kind of computer readable storage medium.It is carried out one by one specifically below in conjunction with the attached drawing of embodiment provided by the present application It is bright, and each step of method is illustrated.

A kind of payment based reminding method embodiment provided by the present application is as follows:

Referring to attached drawing 1, it illustrates a kind of payment based reminding method process flow diagrams provided in this embodiment；Reference attached drawing 2, It illustrates it is provided in this embodiment it is a kind of payment based reminding method mutual assistance mutual aid health insurance scene process flow diagram.

Step S102, the member that identifies project participate in the payment amount of money generated in Project Process.

Project described in the embodiment of the present application, including mutual assistance mutual aid project, crowd raise project, investment project etc., do not limit herein It is fixed.The mutual assistance mutual aid project refers to that the participant of project establishes the project of incidence relation in a manner of mutual assistance mutual aid between each other, Insure including mutual assistance mutual aid formula, such as health insurance, serious illness insurance, medical insurance, nursing danger and the personal accidental death and injury insurance of mutual assistance mutual aid formula Deng.Correspondingly, participating in the payment amount of money generated in the mutual assistance mutual aid Project Process, including mutual assistance mutual aid program member is participating in Point that the mutual aid money (amount for which loss settled) generated during project obtains after sharing according to mutual assistance mutual aid program member's quantity Spread out the amount of money.

In the embodiment of the present application, the program member refers to the member for participating in the project, comprising: participates in above-mentioned mutual assistance The mutual assistance mutual aid program member of mutual aid project, participates in above-mentioned crowd and raises the crowd of project raising program member, participates in above-mentioned investment project Investment project member etc., the project platform are the platform for carrying the project, that is, carry the mutual assistance mutual aid project of above-mentioned project Platform, crowd raise project platform, investment project platform etc., wherein the program member for participating in the project at least should be institute State the user of project platform.

By taking mutual assistance mutual aid project as an example, the program member be added the mutual assistance mutual aid project of the mutual assistance mutual aid project at Member；The payment amount of money is that the mutual aid money that the mutual assistance mutual aid program member participates in generating in the mutual assistance mutual aid Project Process is pressed The contribution quota obtained after sharing according to mutual assistance mutual aid program member's quantity.

Project platform in the embodiment of the present application is the mutual assistance mutual aid project platform for carrying the mutual assistance mutual aid project, is participated in The mutual assistance mutual aid program member of the mutual assistance mutual aid project at least should be the user of the mutual assistance mutual aid project platform.Except this it Outside, the project platform can also be that other can carry the platform of the mutual assistance mutual aid project, such as payment platform, and insurance business is flat Platform etc., it is not limited here.The user of the mutual assistance mutual aid project platform including but not limited to the mutual assistance mutual aid program member, The mutual assistance mutual aid project platform can also carry sundry item and using the member of the sundry item as user, and the application is real Applying example, details are not described herein.

The embodiment of the present application is to remind mutual assistance mutual aid program member to share participate in generating in mutual assistance mutual aid Project Process For the amount of money executes payment operation, payment based reminding method provided by the embodiments of the present application is illustrated.

Based on this, after the mutual aid money for needing all items member to share in the project, according to the quantity of program member And the amount of money of mutual aid money determines the payment amount of money of each program member.Specifically, in the mutual assistance mutual aid for participating in mutual assistance mutual aid project After program member issues mutual aid money application, the mutual aid money application is audited, after the approval, according to the mutual aid money The quantity of the amount of money and mutual assistance mutual aid program member calculate the contribution quota of each mutual assistance mutual aid program member.

In the embodiment of the present application, before the member that identifies project participates in the payment amount of money generated in Project Process, need pair The user that application participates in the mutual assistance mutual aid project platform of mutual assistance mutual aid project carries out information verification, passes through information verification in user Afterwards, become the mutual assistance mutual aid program member of the mutual assistance mutual aid project, mutual assistance mutual aid project be added, and generate mutual assistance mutual aid project at Member participates in the project details of mutual assistance mutual aid project；It is described mutually comprising mutual assistance mutual aid program member participation in the project details Help mutual assistance mutual aid program member's information of mutual aid project.

Mutual assistance mutual aid program member's information preferably comprises following 3: the contact method of mutual assistance mutual aid program member, mutually Help the fund account of mutual aid program member, the mutual assistance mutual aid project platform account of mutual assistance mutual aid program member.In addition to this, described Mutual assistance mutual aid program member's information can be any one or multinomial in above-mentioned 3, the mutual assistance mutual aid program member letter Breath can also be other information relevant to the mutual assistance mutual aid program member, and the embodiment of the present application is it is not limited here.

For example, participating in mutual assistance mutual aid in the scene that mutual assistance mutual aid project is healthy class insurance (mutual assistance mutual aid health insurance) The mutual assistance mutual aid program member of project is the insured people of mutual assistance mutual aid health insurance, and mutual assistance mutual aid project platform user applies being added Mutual assistance mutual aid health insurance, mutual assistance mutual aid project platform carry out information verification to user, after user is by information verification, become mutual The insured people of mutual aid health insurance is helped, and generates the project details of mutual assistance mutual aid health insurance, during mutual assistance mutual aid health insurance, After insured human hair goes out mutual aid money application, mutual assistance mutual aid project platform audits mutual aid money application, after the approval, according to mutual The quantity of insured people in the amount of money and mutual assistance mutual aid health insurance of gold is helped to calculate the contribution quota of each insured people.

It can be seen that the embodiment of the present application is automatic inspection this application after mutual assistance mutual aid program member applies for mutual aid money, The payment amount of money that each mutual assistance mutual aid program member is calculated after verification passes through eliminates artificial verify with calculating payment amount of money Process reduces the workload of mutual assistance mutual aid program member and staff, improves verification and payment efficiency.

Step S104, obtain the program member executed in the project platform for carrying the project operation at least with it is described The behavioral data of the operation of item association.

The above-mentioned steps member that identifies project participates in Project Process obtaining the program member after the payment amount of money that generates and existing Carry the behavioral data executed in the project platform of the project operation at least with the operation of the item association.

The behavioral data in the embodiment of the present application, including at least one of following:

Login behavioral data of the program member based on the project platform, the program member is in the project platform In browsing item page behavioral data based on the project, the program member in the project platform based on trading Trading activity data.

In addition to this, the behavioral data in the embodiment of the present application can also be other in the project platform with institute State the relevant behavioral data of program member.

In practical application scene, for ensure can be according to the active time of mutual assistance mutual aid program member to mutual assistance mutual aid item Mesh member sends payment and reminds, and the acquisition program member executes at least in the project platform for carrying the project operation It is further preferably accomplished in the following manner with the behavioral data of the operation of the item association:

The embodiment of the present application is by obtaining program member in participating in Project Process in the project platform for carrying the project On behavioral data, the operation note for the member that identifies project and behavioural habits and in such a way that this determines that payment is reminded, so as to energy It is more acurrate more timely to send payment prompting to program member, promote payment success rate.

For example, obtaining insured people after the contribution quota generated during determining that insured people participates in mutual assistance mutual aid health insurance Behavioral data in mutual assistance mutual aid project platform, the behavioral data are based on the mutual assistance mutual aid including but not limited to insured people The login behavioral data of project platform, insured people browsing based on mutual assistance mutual aid health insurance in the mutual assistance mutual aid project platform Mutual assistance mutual aid health insurance page behavioral data, the trading activity number that insured people trades in the mutual assistance mutual aid project platform According to.

Step S106, by analyzing the determining payment for sending execution payment operation to the program member of the behavioral data Alerting pattern.

After obtaining the behavioral data, determine that sending execution to the program member pays by analyzing the behavioral data Take the payment alerting pattern of operation.In the optional embodiment of the first of the embodiment of the present application, if the behavioral data is to log in Behavioral data, it is described to determine that the payment for executing payment operation is sent to the program member to be reminded by analyzing the behavioral data Mode is accomplished in the following manner:

It is determined to send to the program member according to the login behavioral data and payment behaviour is executed based on the payment amount of money The payment alerting pattern of work is to log in payment alerting pattern.

It is similar therewith, in the optional embodiment of second of the application, if the behavioral data is browsing item page Behavioral data, it is described to determine that the payment for executing payment operation is sent to the program member to be reminded by analyzing the behavioral data Mode is accomplished in the following manner:

It is determined to send to the program member according to the browsing item page behavioral data and be held based on the payment amount of money The payment alerting pattern that payment operates of going is browsing item page payment alerting pattern.

It is similar with above two mode, in the third optional embodiment of the application, if the behavioral data is to hand over Easy behavioral data, it is described to determine that the payment for executing payment operation is sent to the program member to be mentioned by analyzing the behavioral data The mode of waking up, is accomplished in the following manner:

It is determined to send to the program member according to the trading activity data and payment behaviour is executed based on the payment amount of money The payment alerting pattern of work is transaction payment alerting pattern.

For example, it is true to analyze the behavioral data obtaining insured people after the behavioral data in mutual assistance mutual aid project platform It orients insured human hair and send the payment alerting pattern for executing payment operation, if the behavioral data is to log in behavioral data, basis It is described log in behavioral data determine to insured human hair send based on the contribution quota execute payment operation payment alerting pattern be Log in payment alerting pattern；If the behavioral data is browsing item page behavioral data, according to the browsing mutual assistance mutual aid Health insurance page behavioral data determines the payment alerting pattern for sending to insured human hair and executing payment operation based on the contribution quota For browsing item page payment alerting pattern；If the behavioral data is trading activity data, according to the trading activity number The payment alerting pattern of payment operation is executed as transaction payment prompting side based on the contribution quota according to determining to send to insured human hair Formula.

In practical applications, other than three kinds of payment alerting patterns of above-mentioned offer, the payment alerting pattern can also be Other payment alerting patterns, for example, after obtaining the active time section, it can also be according to the contact method described active Period sends the payment reminding short message that payment operation is executed based on the payment amount of money to the mutual assistance mutual aid program member.Example Such as, after the active time section for obtaining insured people, according to the contact method of insured people in the active time section to insured human hair Send based on the contribution quota execute payment operation payment reminding short message, can also play so as to can it is more acurrate more timely to Program member sends payment and reminds, and promotes payment success rate, and the embodiment of the present application does not limit this.

Step S108 reminds the program member to be based on described in payment amount of money execution using the payment alerting pattern Payment operation.

After determining the payment alerting pattern sent to the program member, using described in payment alerting pattern prompting Program member is based on the payment amount of money and executes the payment operation.

In the first optional embodiment of the embodiment of the present application, if the payment alerting pattern is to log in payment to remind Mode, then using login payment alerting pattern, after the program member is based on project platform execution register The payment for executing payment operation based on the payment amount of money is sent to the program member to remind.

In second of optional embodiment of the embodiment of the present application, if the payment alerting pattern is browsing item page Payment alerting pattern, then using browsing item page payment alerting pattern, in the program member in the project platform In browse to send to the program member after item page operation based on the project implementation and held based on the payment amount of money The payment of row payment operation is reminded.

In the third optional embodiment of the embodiment of the present application, if the payment alerting pattern is transaction, payment is reminded Mode executes dynamic account transaction behaviour in the program member then using transaction payment alerting pattern in the project platform The payment for executing payment operation based on the payment amount of money is sent to the program member after work to remind.

At the same time, described to remind the program member to execute based on the payment amount of money using the payment alerting pattern The payment operation, which can be selected in the payment period of the project, to be completed.

Optionally, the program member is being reminded to be based on described in payment amount of money execution using the payment alerting pattern After payment operation, detect whether the payment period terminates, in the case where detecting the payment end cycle, in institute It states and executes the program member of payment operation failure in the payment period and carry out project and clear up and discharge processing.The program member is being held Row project is cleared up and discharged after processing, no longer the program member for the project, while when the project is added in application again, needing to execute Overdue payment operation；In the case where detecting the payment end cycle, if program member successfully pays the fees within the payment period, Then send successfully premium notice；If detecting, the payment period not yet terminates, and is not processed.

For example, after determining the payment alerting pattern given to insured human hair, using described in payment alerting pattern prompting Insured people is based on the contribution quota and executes the payment operation, if the payment alerting pattern is to log in payment alerting pattern, Then using login payment alerting pattern, after the insured people is based on mutual assistance mutual aid project platform execution register The payment for executing payment operation based on the contribution quota is sent to remind to the insured human hair；If the payment alerting pattern is clear The mutual assistance mutual aid health insurance page of looking at payment alerting pattern, then using browsing mutual assistance mutual aid health insurance page payment prompting side Formula is executed based on the mutual assistance mutual aid health insurance in the mutual assistance mutual aid project platform in the insured people and browses the mutual assistance The payment for executing payment operation based on the contribution quota is sent to remind to the insured human hair after mutual aid health insurance page operation；If The payment alerting pattern is that transaction payment alerting pattern is existed then using transaction payment alerting pattern in the insured people It is sent to the insured human hair based on contribution quota execution after executing dynamic account transactional operation in the mutual assistance mutual aid project platform The payment of payment operation is reminded.In the case where detecting mutual assistance mutual aid health insurance payment end cycle, in the payment week The insured people that payment operation failure is executed in phase carries out the project of mutual assistance mutual aid health insurance and clears up and discharges processing.

The embodiment of the present application is reminded by sending payment to program member, improves the payment success rate of program member, together When eliminate and manually make a phone call to propose the process that program member executes payment operation, saved cost of labor, improved prompting efficiency, It ensure that accuracy rate and timeliness that payment is reminded.

Following combination attached drawings 2, the application with payment based reminding method provided by the present application in mutual assistance mutual aid health insurance scene are Example, is further described payment based reminding method provided by the present application:

Step S202, Claims Resolution mutual aid money application audit.

After receiving the mutual aid money application of insured people, the mutual aid money application of insured people is audited.

Step S204 determines the contribution quota generated during insured people participates in mutual assistance mutual aid health insurance.

After the approval, each ginseng is calculated according to the quantity of insured people in the amount of money of mutual aid money and mutual assistance mutual aid health insurance The contribution quota of guarantor.

Step S206, obtain insured people carrying mutual assistance mutual aid health insurance operation mutual assistance mutual aid project platform in execute to Few and the associated operation of mutual assistance mutual aid health insurance behavioral data.

After the contribution quota generated during determining that insured people participates in mutual assistance mutual aid health insurance, insured people is obtained in mutual assistance Behavioral data in mutual aid project platform；

If the behavioral data got includes when logging in behavioral data, to then follow the steps S208；

If the behavioral data got includes browsing mutual assistance mutual aid health insurance page behavioral data, then follow the steps S210；

If the behavioral data got includes trading activity data, S212 is thened follow the steps.

Step S208 determines that payment alerting pattern is to log in payment alerting pattern.

When the behavioral data got is to log in behavioral data, determines to send to insured human hair and share gold based on described The payment alerting pattern that volume executes payment operation is to log in payment alerting pattern, i.e., is based on the mutual assistance mutual aid in the insured people Project platform send the payment prompting that payment operation is executed based on the contribution quota to the insured human hair after executing register.

Step S210 determines that payment alerting pattern is browsing mutual assistance mutual aid health insurance page payment alerting pattern.

When the behavioral data got is browsing mutual assistance mutual aid health insurance page behavioral data, determine to insured people Sending the payment alerting pattern based on contribution quota execution payment operation is browsing item page payment alerting pattern, that is, is existed The insured people is executed based on the mutual assistance mutual aid health insurance in the mutual assistance mutual aid project platform and browses the mutual assistance mutual aid The payment for executing payment operation based on the contribution quota is sent to remind to the insured human hair after health insurance page operation.

Step S212 determines that payment alerting pattern is transaction payment alerting pattern.

When the behavioral data got is trading activity data, then determined according to the trading activity data to ginseng It is transaction payment alerting pattern that guarantor, which sends the payment alerting pattern for executing payment operation based on the contribution quota, i.e., described Insured people executes to send to the insured human hair after dynamic account transactional operation in the mutual assistance mutual aid project platform to be shared based on described The payment that the amount of money executes payment operation is reminded.

Step S214 sends payment and reminds.

According to the payment alerting pattern that step S208 to step S212 is determined, here, respectively according to login payment prompting side Formula, browsing item page payment alerting pattern and transaction payment alerting pattern, are determining the payment prompting side sent to insured human hair After formula, reminds the insured people to be based on the contribution quota using the payment alerting pattern and execute the payment operation.

Whether step S216, detection payment period terminate.

In mutual assistance mutual aid health insurance Project Process, detection contribution quota of the mutual assistance mutual aid health insurance based on insured people is paid Whether the expense period terminates；

If so, thening follow the steps S218；

If it is not, being then not processed.

Step S218 executes overdue processing of clearing up and discharging to the insured people of payment failure.

If after end cycle of paying the fees, insured people's payment failure, then to the execution payment operation mistake within the payment period The project that the insured people that loses executes mutual assistance mutual aid health insurance is cleared up and discharged processing.

A kind of payment alarm set embodiment provided by the embodiments of the present application is as follows:

Referring to attached drawing 3, it illustrates a kind of schematic diagrames for alarm set embodiment of paying the fees provided by the present application.

In the above-described embodiment, a kind of payment based reminding method is provided, corresponding, present invention also provides one Kind payment alarm set, 3 is illustrated with reference to the accompanying drawing.

Since Installation practice is substantially similar to embodiment of the method, so describing fairly simple, relevant part please join The corresponding explanation of the embodiment of the method for above-mentioned offer is provided.Installation practice described below is only schematical.

The application provides a kind of payment alarm set, comprising:

Payment amount of money determining module 302 is configured to determine that program member participates in the payment amount of money generated in Project Process；

Behavioral data obtains module 304, is configured as obtaining the program member in the project for carrying the project operation The behavioral data at least with the operation of the item association is executed in platform；

Pay the fees alerting pattern determining module 306, be configured as by analyze the behavioral data determine to the project at Member sends the payment alerting pattern for executing payment operation；

Reminding module 308 is configured as reminding the program member to be based on the payment using the payment alerting pattern The amount of money executes the payment operation.

Optionally, the behavioral data, including at least one of following:

Optionally, the payment alerting pattern determining module 306, comprising:

It logs in payment and reminds determining submodule, be configured as being determined according to the login behavioral data to the program member Sending the payment alerting pattern for executing payment operation based on the payment amount of money is to log in payment alerting pattern；

Correspondingly, the reminding module 308, comprising:

Log in payment remind sending submodule, be configured as using logins payment alerting pattern, the project at Member based on the project platform execute register after to the program member send based on the payment amount of money execute payment behaviour The payment of work is reminded.

Optionally, the payment alerting pattern determining module 306, comprising:

It browses item page payment and reminds determining submodule, be configured as true according to the browsing item page behavioral data Orienting the program member and sending the payment alerting pattern for executing payment operation based on the payment amount of money is browsing item page Payment alerting pattern；

Correspondingly, the reminding module 308, comprising:

It browses item page payment and reminds sending submodule, be configured as the prompting side that pays the fees using the browsing item page Formula, the Xiang Suoshu after the program member browses the item page operation in the project platform based on the project implementation Program member sends the payment for executing payment operation based on the payment amount of money and reminds.

Optionally, the payment alerting pattern determining module 306, comprising:

Transaction payment, which is reminded, determines submodule, is configured as being determined according to the trading activity data to the program member Sending the payment alerting pattern for executing payment operation based on the payment amount of money is transaction payment alerting pattern；

Correspondingly, the reminding module 308, comprising:

Transaction payment remind sending submodule, be configured as using the transaction payment alerting pattern, the project at Member is paid to program member transmission based on payment amount of money execution after executing dynamic account transactional operation in the project platform The payment for taking operation is reminded.

Optionally, the reminding module 308 is run within the payment period of the project.

Optionally, the reminding module 308, comprising:

It clears up and discharges and handles submodule, be configured as in the case where detecting the payment end cycle, in the payment The program member that payment operation failure is executed in period carries out project and clears up and discharges processing.

Optionally, the project includes: mutual assistance mutual aid project；

Optionally, the payment amount of money determining module 302, comprising:

Information verification submodule, the mutual assistance mutual aid project for being configured as participating in application the mutual assistance mutual aid project are flat The user of platform carries out information verification；The user passes through the mutual assistance after the information verification as the mutual assistance mutual aid project Mutual aid program member；

Project details generate submodule, are configurable to generate the mutual assistance mutual aid program member and participate in the mutual assistance mutual aid item Purpose project details；The mutual assistance of the mutual assistance mutual aid project is participated in the project details comprising the mutual assistance mutual aid program member Mutual aid program member's information.

Optionally, the behavioral data obtains module 304, comprising:

Active time acquisition submodule is configured as obtaining the mutual assistance mutual aid program member in the mutual assistance mutual aid project The active time of operation is executed in platform；

Active time section determines submodule, is configured as determining the mutual assistance mutual aid project by analyzing the active time Active time section of the member in the mutual assistance mutual aid project platform.

Optionally, the reminding module 308, comprising:

Payment reminding short message sending submodule, is configured as according to the contact method in the active time section Xiang Suoshu Mutual assistance mutual aid program member sends the payment reminding short message that payment operation is executed based on the payment amount of money.

Optionally, the payment amount of money determining module 302, comprising:

Mutual aid money request receiving submodule, the application mutual aid money for being configured as receiving the mutual assistance mutual aid program member are asked It asks；

It examines submodule, is configured as requesting to examine the mutual assistance mutual aid program member according to the mutual aid money；

Contribution quota determines submodule, total according to the mutual assistance according to the mutual aid money if being configured as passing Ji program member's quantity shares the contribution quota of acquisition.

A kind of calculating apparatus embodiments provided by the present application are as follows:

Fig. 4 is to show the structural block diagram of the calculating equipment 400 according to one embodiment of this specification.The calculating equipment 400 Component include but is not limited to memory 410 and processor 420.Processor 420 is connected with memory 410 by bus 430, Database 450 is for saving data.

Calculating equipment 400 further includes access device 440, access device 440 enable calculate equipment 400 via one or Multiple networks 460 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 440 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..

In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 4 of equipment 400 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in Fig. 4 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.

Calculating equipment 400 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 400 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 410, processor 420 and storage are on a memory and can be The computer instruction run on processor, the processor 420 is for executing following computer executable instructions:

Optionally, the behavioral data, including at least one of following:

Optionally, the project includes: mutual assistance mutual aid project；

A kind of computer readable storage medium embodiment provided by the present application is as follows:

One embodiment of the application also provides a kind of computer readable storage medium, is stored with computer instruction, the instruction To be used for when being executed by processor:

Optionally, the behavioral data, including at least one of following:

Optionally, the project includes: mutual assistance mutual aid project；

A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited The technical solution of storage media and the technical solution of above-mentioned payment based reminding method belong to same design, the technical solution of storage medium The detail content being not described in detail may refer to the description of the technical solution of above-mentioned payment based reminding method.

The computer instruction includes computer program code, the computer program code can for source code form, Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.

It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen It please be necessary.

In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment Point, it may refer to the associated description of other embodiments.

The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only It is limited by claims and its full scope and equivalent.

Claims

1. a kind of payment based reminding method characterized by comprising

It obtains the program member and executes behaviour at least with the item association in the project platform for carrying the project operation The behavioral data of work；

2. based reminding method of paying the fees according to claim 1, which is characterized in that the behavioral data, including at least one of following:

Login behavioral data of the program member based on the project platform, program member base in the project platform In the browsing item page behavioral data of the project, the transaction row that the program member trades in the project platform For data.

3. based reminding method of paying the fees according to claim 2, which is characterized in that if the behavioral data is to log in behavioral data, It is described that the payment alerting pattern for sending to the program member and executing payment and operating, packet are determined by the analysis behavioral data It includes:

It determines to send to the program member according to the login behavioral data and payment operation is executed based on the payment amount of money Alerting pattern of paying the fees is to log in payment alerting pattern；

Correspondingly, described remind the program member to be based on paying described in payment amount of money execution using the payment alerting pattern Take operation, comprising:

Using login payment alerting pattern, to institute after the program member is based on project platform execution register It states program member and sends the payment prompting for executing payment operation based on the payment amount of money.

4. based reminding method of paying the fees according to claim 2, which is characterized in that if the behavioral data is browsing item page row It is described by analyzing the determining payment prompting side for sending execution payment operation to the program member of the behavioral data for data Formula, comprising:

It is determined to send to the program member according to the browsing item page behavioral data and be paid based on payment amount of money execution Take the payment alerting pattern of operation for browsing item page payment alerting pattern；

Using browsing item page payment alerting pattern, the item is based in the project platform in the program member Mesh, which executes to browse to send after the item page operates to the program member, executes payment operation based on the payment amount of money Payment is reminded.

5. based reminding method of paying the fees according to claim 2, which is characterized in that if the behavioral data is trading activity data, It is described that the payment alerting pattern for sending to the program member and executing payment and operating, packet are determined by the analysis behavioral data It includes:

It is determined to send to the program member according to the trading activity data and payment operation is executed based on the payment amount of money Alerting pattern of paying the fees is transaction payment alerting pattern；

Using transaction payment alerting pattern, after the program member executes dynamic account transactional operation in the project platform The payment for executing payment operation based on the payment amount of money is sent to the program member to remind.

6. based reminding method of paying the fees according to claim 1, which is characterized in that described in being executed within the payment period of the project It reminds the program member to be based on the payment amount of money using the payment alerting pattern and executes the payment operating procedure.

7. based reminding method of paying the fees according to claim 6, which is characterized in that described to remind institute using the payment alerting pattern Program member is stated to be based on after the payment amount of money execution payment operating procedure execution, comprising:

In the case where detecting the payment end cycle, pay the fees described in operation failure to being executed within the payment period Program member carries out project and clears up and discharges processing.

8. based reminding method of paying the fees according to claim 1, which is characterized in that the project includes: mutual assistance mutual aid project；

The project platform includes: the carrying mutual assistance mutual aid project and includes at least the mutual assistance mutual aid program member as user Mutual assistance mutual aid project platform；

The payment amount of money includes: that the mutual assistance mutual aid program member participates in the mutual assistance generated in the mutual assistance mutual aid Project Process The contribution quota that gold obtains after sharing according to mutual assistance mutual aid program member's quantity.

9. based reminding method of paying the fees according to claim 8, which is characterized in that the member that identifies project participates in Project Process Before the payment amount of money step of generation executes, comprising:

The user for participating in the mutual assistance mutual aid project platform of the mutual assistance mutual aid project to application carries out information verification；The use Family passes through the mutual assistance mutual aid program member after the information verification as the mutual assistance mutual aid project；

Generate the project details that the mutual assistance mutual aid program member participates in the mutual assistance mutual aid project；Include in the project details The mutual assistance mutual aid program member participates in mutual assistance mutual aid program member's information of the mutual assistance mutual aid project.

10. based reminding method of paying the fees according to claim 9, which is characterized in that mutual assistance mutual aid program member's information, including It is at least one of following:

The contact method of the mutual assistance mutual aid program member, the fund account of the mutual assistance mutual aid program member, the mutual assistance are total The mutual assistance mutual aid project platform account of Ji program member.

11. based reminding method of paying the fees according to claim 10, which is characterized in that described to obtain the program member in carrying institute State the behavioral data executed in the project platform of project operation at least with the operation of the item association, comprising:

Mutual assistance mutual aid program member the enlivening in the mutual assistance mutual aid project platform is determined by analyzing the active time Period.

12. based reminding method of paying the fees according to claim 11, which is characterized in that described to be determined by analyzing the behavioral data The payment alerting pattern for executing payment operation is sent to the program member, comprising:

It is sent to the mutual assistance mutual aid program member based on the payment gold according to the contact method in the active time section Volume executes the payment reminding short message of payment operation.

13. based reminding method of paying the fees according to claim 9, which is characterized in that the member that identifies project participates in Project Process The payment amount of money of middle generation, comprising:

If passing, is shared according to the mutual aid money according to mutual assistance mutual aid program member's quantity and shared described in acquisition The amount of money.

14. a kind of payment alarm set characterized by comprising

Behavioral data obtains module, is configured as obtaining the program member and holds in the project platform for carrying the project operation Behavioral data of the row at least with the operation of the item association；

Payment alerting pattern determining module is configured as holding by analyzing determining send to the program member of the behavioral data The payment alerting pattern of row payment operation；

Reminding module is configured as reminding the program member to execute based on the payment amount of money using the payment alerting pattern The payment operation.

15. a kind of calculating equipment characterized by comprising

Memory and processor；

The memory is for storing computer executable instructions, and for executing, the computer is executable to be referred to the processor It enables:

16. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of claim 1 to 13 any one the method is realized when row.