CN110136002B - Payment reminding method and device, computing equipment and computer readable storage medium - Google Patents

Payment reminding method and device, computing equipment and computer readable storage medium Download PDF

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CN110136002B
CN110136002B CN201910216301.0A CN201910216301A CN110136002B CN 110136002 B CN110136002 B CN 110136002B CN 201910216301 A CN201910216301 A CN 201910216301A CN 110136002 B CN110136002 B CN 110136002B
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project
payment
behavior data
reminding
mutual
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CN110136002A (en
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魏庆成
徐旭
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Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Advanced New Technologies Co Ltd
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

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Abstract

The application provides a payment reminding method and device, a computing device and a computer readable storage medium, wherein the application provides the payment reminding method which comprises the following steps: determining payment amount generated in the process of participating in the project by the project member; acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation; determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data; and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode. According to the payment reminding method provided by the application, the manner of sending the payment reminding to the project member is determined by analyzing the behavior data of the project member in the project platform, and the payment reminding is sent to the project member, so that the rationality and the sending efficiency of the payment reminding are improved, and the project member can conveniently check the payment reminding in time.

Description

Payment reminding method and device, computing equipment and computer readable storage medium
Technical Field
The application relates to the technical field of data processing, in particular to a payment reminding method. The application also relates to a payment reminding device, a computing device and a computer readable storage medium.
Background
With the development of internet insurance services, post-paid mutual insurance modes are introduced in the market, in which insurance mode, participants can join in the insurance service after reaching the admission conditions specified by the insurance mode, and the participants in the insurance mode will obtain a claim during the insurance service, and the claim is shared by other participants, and payment is made by insurance companies or by other participants except the claim. The insurance has the advantages of low payment amount, large audience scale, relatively fairness, fairness and the like, and is popular with users.
At present, the claim settlement and collection mode is mainly to deduct money from the fund account of the insurer or actively pay fees from other insurers except for obtaining the claim settlement through an insurance company, and when the fund account of the insurer has insufficient amount for deduction or the insurer forgets to pay, a list of the insurer which is not paid is disclosed in the insurance service and payment reminding is sent to the insurer.
However, due to the low activity of some participants in the insurance service, the payment prompt is often not checked or received in time, and for such participants, one of them is insufficient in payment amount to be charged by the insurance service, and the participant who should obtain the claim cannot obtain enough claim settlement, and the other is overdue payment of the participant who does not pay the fee is caused to affect personal credit.
Disclosure of Invention
In view of the above, the application provides a payment reminding method to solve the technical defects existing in the prior art. The application also provides a payment reminding device, a computing device and a computer readable storage medium.
The application provides a payment reminding method, which comprises the following steps:
determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation;
determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data;
and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
Optionally, the behavior data includes at least one of the following:
the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform.
Optionally, if the behavior data is login behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
Determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and after the project member executes login operation based on the project platform, sending a payment prompt for executing payment operation based on the payment amount to the project member by adopting the login payment prompt mode.
Optionally, if the behavior data is behavior data of browsing a project page, the determining, by analyzing the behavior data, to send a payment reminding manner for executing a payment operation to the project member includes:
determining a payment reminding mode for sending the payment operation based on the payment amount to the project member according to the browsing project page behavior data to be a browsing project page payment reminding mode;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the operation of browsing the project page based on the project in the project platform by adopting the payment prompt mode of browsing the project page.
Optionally, if the behavior data is transaction behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
according to the data of the easy-to-pay, a payment reminding mode for executing payment operation based on the payment amount is determined to be a transaction payment reminding mode;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the dynamic account transaction operation in the project platform by adopting the transaction payment prompt mode.
Optionally, the reminding of the project member by adopting the payment reminding mode is executed in the payment period of the project, and the payment operation step is executed based on the payment amount.
Optionally, after the reminding the project member to execute the payment operation step based on the payment amount by adopting the payment reminding mode, the method includes:
and under the condition that the payment period is detected to be ended, carrying out project clearing processing on the project members which fail to execute the payment operation in the payment period.
Optionally, the items include: a mutual aid and common aid project;
the project members include: a member of a mutually-assisted ataxia project participating in the mutually-assisted ataxia project;
the project platform comprises: the mutual aid ataxia project platform is used for bearing the mutual aid ataxia project and at least comprises mutual aid ataxia project platforms with the mutual aid ataxia project members serving as users;
the payment amount comprises: and the mutual-aid money generated in the process of participating in the mutual-aid co-aid project is calculated according to the calculated amount obtained after the number of the mutual-aid co-aid project members is calculated.
Optionally, before the step of determining the payment amount generated in the process of participating in the project by the project member is executed, the method includes:
information checking is carried out on users applying for the mutual aid co-aid project platform participating in the mutual aid co-aid project; the user becomes the member of the mutually-assisted ataxia project after checking the information;
generating item details of the mutual aid ataxia item members participating in the mutual aid ataxia item; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
Optionally, the mutual aid and ataxia project member information includes at least one of the following:
The contact mode of the mutual aid ataxia project members, the fund account of the mutual aid ataxia project members, and the mutual aid ataxia project platform account of the mutual aid ataxia project members.
Optionally, the acquiring the behavior data of the project member for executing at least the operation associated with the project in the project platform carrying the project operation includes:
acquiring the active time of the mutual aid ataxia project member for executing operation in the mutual aid ataxia project platform;
and determining the active time period of the mutual aid ataxia project member on the mutual aid ataxia project platform by analyzing the active time.
Optionally, the determining, by analyzing the behavior data, a payment reminding manner of executing a payment operation to the project member includes:
and sending a payment reminding short message for executing the payment operation based on the payment amount to the mutual aid co-economic project members in the active time period according to the contact mode.
Optionally, the determining the payment amount generated in the process of participating in the project by the project member includes:
receiving a claim mutual-help fund request of the mutual-help ataxia project member;
checking the mutual aid ataxia project members according to the mutual aid gold request;
And if the examination is passed, the obtained allocation amount is allocated according to the mutual-assistance money and the number of the mutual-assistance and mutual-assistance project members.
The application also provides a payment reminding device, which comprises:
the payment amount determining module is configured to determine the payment amount generated in the process of participating in the project by the project member;
a behavior data acquisition module configured to acquire behavior data of the project member for performing an operation associated with at least the project in a project platform carrying the project run;
the payment reminding mode determining module is configured to determine a payment reminding mode for executing payment operation to the project member by analyzing the behavior data;
and the reminding module is configured to remind the project members of executing the payment operation based on the payment amount by adopting the payment reminding mode.
The present application also provides a computing device comprising:
a memory and a processor;
the memory is for storing computer-executable instructions, and the processor is for executing the computer-executable instructions:
determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation;
Determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data;
and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
The application also provides a computer readable storage medium storing computer instructions which when executed by a processor implement the steps of the payment reminding method described above.
Compared with the prior art, the application has the following advantages:
the application provides a payment reminding method, which comprises the following steps: determining payment amount generated in the process of participating in the project by the project member; acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation; determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data; and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
According to the payment reminding method provided by the application, the manner of sending the payment reminding to the project member is determined by analyzing the behavior data of the project member in the project platform, and the payment reminding is sent to the project member, so that the rationality and the sending efficiency of the payment reminding are improved, and the project member can conveniently check the payment reminding in time.
Drawings
FIG. 1 is a process flow diagram of a payment reminding method provided by an embodiment of the application;
FIG. 2 is a flow chart of a payment reminding method in a mutual aid health risk scenario according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a payment reminding device according to an embodiment of the present application;
FIG. 4 is a block diagram of a computing device provided by an embodiment of the application.
Detailed Description
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. The present application may be embodied in many other forms than those herein described, and those skilled in the art will readily appreciate that the present application may be similarly embodied without departing from the spirit or essential characteristics thereof, and therefore the present application is not limited to the specific embodiments disclosed below.
The terminology used in the one or more embodiments of the specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the specification. As used in this specification, one or more embodiments and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any or all possible combinations of one or more of the associated listed items.
It should be understood that, although the terms first, second, etc. may be used in one or more embodiments of this specification to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first may also be referred to as a second, and similarly, a second may also be referred to as a first, without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "responsive to a determination", depending on the context.
The application provides a payment reminding method, a payment reminding device, a computing device and a computer readable storage medium. The following detailed description is given, one by one, with reference to the accompanying drawings of the embodiments provided by the present application, and the respective steps of the method are described.
The embodiment of the application provides a payment reminding method, which comprises the following steps:
referring to fig. 1, a process flow diagram of a payment reminding method provided in this embodiment is shown; referring to fig. 2, a process flow diagram of a payment reminding method in a mutual aid health risk scenario according to the present embodiment is shown.
Step S102, determining the payment amount generated in the process of participating in the project by the project member.
The items described in the embodiments of the present application include, but are not limited to, a mutual aid item, a crowd funding item, an investment item, and the like. The mutual aid and ataxia project refers to a project that participants of the project establish an association relationship with each other in a mutual aid and ataxia mode, and comprises mutual aid and ataxia insurance, such as health risk, serious disease risk, medical risk, nursing risk, accidental injury risk and the like. Correspondingly, the payment amount generated in the process of participating in the mutual-aid ataxia project comprises an allocation amount obtained after mutual-aid cash (claim settlement amount) generated in the process of participating in the project by the mutual-aid ataxia project members is allocated according to the number of the mutual-aid ataxia project members.
In the embodiment of the application, the project member refers to a member participating in the project, and the project member comprises: a mutually-assisted co-ataxia project member participating in the mutually-assisted co-ataxia project, a crowd-funded project member participating in the crowd-funded project, an investment project member participating in the investment project, and the like, wherein the project platform is a platform for bearing the project, namely a mutually-assisted co-ataxia project platform for bearing the project, a crowd-funded project platform, an investment project platform, and the like, and the project members participating in the project at least should be users of the project platform.
Taking a mutual-aid ataxia project as an example, wherein the project members are mutual-aid ataxia project members added into the mutual-aid ataxia project; and the payment amount is an allocated amount obtained after the mutual-assistance money generated in the process that the mutual-assistance co-assistance project members participate in the mutual-assistance co-assistance project is allocated according to the number of the mutual-assistance co-assistance project members.
The project platform in the embodiment of the application is a mutually-assisted co-economic project platform for bearing the mutually-assisted co-economic project, and the mutually-assisted co-economic project members participating in the mutually-assisted co-economic project at least need to be users of the mutually-assisted co-economic project platform. In addition, the project platform may be other platforms capable of carrying the mutually-assisted and complementary projects, such as a payment platform, an insurance service platform, etc., which are not limited herein. The user of the mutual-help ataxia project platform includes, but is not limited to, the mutual-help ataxia project members, and the mutual-help ataxia project platform may also carry other projects and use the members of the other projects as users, which are not described herein.
The embodiment of the application is used for describing the payment reminding method provided by the embodiment of the application by taking the example of reminding the members of the mutual-aid ataxia project to execute the payment operation on the allocated amount generated in the process of participating in the mutual-aid ataxia project.
Based on the above, after mutual-help money which needs to be shared by all the project members occurs in the project, the payment amount of each project member is determined according to the number of the project members and the amount of the mutual-help money. Specifically, after the mutual-aid ataxia project members participating in the mutual-aid ataxia project send out a mutual-aid gold application, checking the mutual-aid gold application, and after the checking is passed, calculating the allocation amount of each mutual-aid ataxia project member according to the amount of the mutual-aid gold and the number of the mutual-aid ataxia project members.
Before determining the payment amount generated in the process of the project members participating in the project, the embodiment of the application needs to carry out information checking on the user applying for the mutually-assisted co-project platform participating in the mutually-assisted co-project, after the user passes the information checking, the user becomes the mutually-assisted co-project members of the mutually-assisted co-project, adds the mutually-assisted co-project, and generates project details of the mutually-assisted co-project members participating in the mutually-assisted co-project; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
The mutual aid project member information preferably comprises 3 items: the contact mode of the mutually-assisted ataxia project members, the fund account of the mutually-assisted ataxia project members and the mutually-assisted ataxia project platform account of the mutually-assisted ataxia project members. In addition, the mutual-help co-help item member information may be any one or more of the above 3 items, and the mutual-help co-help item member information may also be other information related to the mutual-help co-help item member, which is not limited herein.
For example, in a scenario that the mutually-assisted ataxia project is a health insurance (mutually-assisted ataxia health insurance), the mutually-assisted ataxia project members participating in the mutually-assisted ataxia project are paramedics of the mutually-assisted ataxia health insurance, the mutually-assisted ataxia project platform applies for adding the mutually-assisted ataxia health insurance, the mutually-assisted ataxia project platform performs information checking on the user, the user becomes the paramedics of the mutually-assisted ataxia health insurance after passing the information checking, and generates project details of the mutually-assisted ataxia health insurance, in the mutually-assisted ataxia health insurance process, after the paramedics send mutually-assisted ataxia applications, the mutually-assisted ataxia project platform performs checking on the mutually-assisted ataxia applications, and after the checking passes, the allocation amount of each paramedic is calculated according to the amount of mutually-assisted ataxia and the number of the paramedics in the mutually-assisted ataxia health insurance.
Therefore, the embodiment of the application automatically checks the application after the mutual-aid co-economic project members apply for the mutual-aid money, calculates the payment amount of each mutual-aid co-economic project member after the checking is passed, omits the process of manually checking and calculating the payment amount, reduces the workload of the mutual-aid co-economic project members and staff, and improves the checking and payment efficiency.
Step S104, obtaining behavior data of the project members for executing at least operations associated with the project in a project platform carrying the project operation.
After determining the payment amount generated in the process of participating in the project by the project member, acquiring behavior data of the project member for executing at least operation related to the project in a project platform carrying the project operation.
The behavior data in the embodiment of the application comprises at least one of the following:
the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and the project members are based on transaction behavior data of transactions in the project platform.
In addition, the behavior data in the embodiment of the present application may be other behavior data related to the project member in the project platform.
In the practical application scene, in order to ensure that the payment reminding can be sent to the mutual-help co-help project members according to the active time of the mutual-help co-help project members, the obtaining of the behavior data of the project member for executing at least the operation associated with the project in the project platform carrying the project operation is preferably further achieved by:
acquiring the active time of the mutual aid ataxia project member for executing operation in the mutual aid ataxia project platform;
And determining the active time period of the mutual aid ataxia project member on the mutual aid ataxia project platform by analyzing the active time.
According to the embodiment of the application, the operation record and the behavior habit of the project member are determined by acquiring the behavior data of the project member on the project platform carrying the project in the process of participating in the project, and the payment reminding mode is determined, so that the payment reminding can be sent to the project member more accurately and timely, and the payment success rate is improved.
For example, after determining an apportioned amount generated during participation of a participant in a mutually-assisted co-ataxia health risk process, obtaining behavioral data of the participant in a mutually-assisted co-ataxia project platform, the behavioral data including, but not limited to, login behavioral data of the participant based on the mutually-assisted co-ataxia project platform, browsing mutually-assisted co-ataxia health risk page behavioral data of the participant in the mutually-assisted co-ataxia project platform based on mutually-assisted co-ataxia health risk, and transaction behavioral data of a participant in a transaction in the mutually-assisted co-ataxia project platform.
And S106, determining a payment reminding mode for executing the payment operation to the project member by analyzing the behavior data.
After the behavior data are obtained, a payment reminding mode for executing payment operation is determined to be sent to the project member by analyzing the behavior data. In a first alternative implementation manner of the embodiment of the present application, if the behavior data is login behavior data, the determining, by analyzing the behavior data, a payment reminding manner of executing a payment operation to the project member is implemented by the following manner:
And determining that a payment reminding mode for sending the payment operation based on the payment amount to the project member is a login payment reminding mode according to the login behavior data.
Similarly, in a second alternative embodiment of the present application, if the behavior data is behavior data of browsing a project page, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member is implemented by:
and determining that a payment reminding mode for executing payment operation based on the payment amount is a payment reminding mode of the browsed project page according to the browsed project page behavior data.
Similarly to the above two ways, in a third alternative embodiment of the present application, if the behavior data is transaction behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member is implemented by:
and according to the data determination, sending a payment reminding mode for executing the payment operation based on the payment amount to the project member to be a transaction payment reminding mode.
According to the embodiment of the application, the operation record and the behavior habit of the project member are determined by acquiring the behavior data of the project member on the project platform carrying the project in the process of participating in the project, and the payment reminding mode is determined, so that the payment reminding can be sent to the project member more accurately and timely, and the payment success rate is improved.
For example, after obtaining behavior data of the participant in the mutual-assistance and mutual-assistance project platform, analyzing the behavior data to determine a payment reminding mode for executing a payment operation to the participant, and if the behavior data is login behavior data, determining that the payment reminding mode for executing the payment operation based on the amortization amount is a login payment reminding mode according to the login behavior data; if the behavior data are browsing project page behavior data, determining that a payment reminding mode for executing payment operation based on the amortized amount is a browsing project page payment reminding mode according to the browsing mutually-assisted health insurance page behavior data; and if the behavior data are transaction behavior data, sending a payment reminding mode for executing payment operation based on the allocated amount to a participant according to the transaction feasibility data determination to be a transaction payment reminding mode.
In practical application, besides the three payment reminding modes provided above, the payment reminding modes can also be other payment reminding modes, for example, after the active time period is obtained, a payment reminding short message for executing the payment operation based on the payment amount can also be sent to the mutual aid co-economic project member in the active time period according to the contact mode. For example, after the active time period of the participant is acquired, the payment reminding short message for executing the payment operation based on the amortized amount is sent to the participant in the active time period according to the contact mode of the participant, so that the payment reminding can be sent to the project member more accurately and timely, and the payment success rate is improved.
And S108, reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
And after determining a payment reminding mode sent to the project member, reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode.
In a first optional implementation manner of the embodiment of the present application, if the payment reminding mode is a login payment reminding mode, the login payment reminding mode is adopted, and after the project member executes login operation based on the project platform, a payment reminding for executing payment operation based on the payment amount is sent to the project member.
In a second optional implementation manner of the embodiment of the present application, if the payment reminding manner is a browse project page payment reminding manner, the browse project page payment reminding manner is adopted, and after the project member executes the operation of browsing the project page based on the project in the project platform, a payment reminding of executing the payment operation based on the payment amount is sent to the project member.
In a third optional implementation manner of the embodiment of the present application, if the payment reminding manner is a transaction payment reminding manner, the transaction payment reminding manner is adopted, and after the project member performs a dynamic account transaction operation in the project platform, a payment reminder for performing a payment operation based on the payment amount is sent to the project member.
Meanwhile, the reminding of the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode can be completed in the payment period of the project.
Optionally, after reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode, detecting whether the payment period is ended, and under the condition that the payment period is detected to be ended, performing project clearance processing on the project member which fails to execute the payment operation in the payment period. After the item member is subjected to the item clearing processing, the item member is not the item member of the item, and meanwhile, when the user applies for adding the item again, overdue payment operation is required to be executed; under the condition that the payment period is detected to be ended, if the project member successfully pays in the payment period, a successful payment notification is sent; and if the payment period is detected not to be ended, not processing.
For example, after determining a payment reminding mode sent to a participant, reminding the participant to execute the payment operation based on the allocated amount by adopting the payment reminding mode, if the payment reminding mode is a login payment reminding mode, adopting the login payment reminding mode, and sending a payment reminding for executing the payment operation based on the allocated amount to the participant after the participant executes login operation based on the mutual assistance common-aid project platform; if the payment reminding mode is a browsing mutual-aid health insurance page payment reminding mode, adopting the browsing mutual-aid health insurance page payment reminding mode, and executing payment reminding based on the shared amount to the participating person after executing the operation of browsing the mutual-aid health insurance page in the mutual-aid health project platform by the participating person; and if the payment reminding mode is a transaction payment reminding mode, adopting the transaction payment reminding mode, and sending a payment reminding for executing payment operation based on the amortized amount to the participant after the participant executes the account-moving transaction operation in the mutual-help and mutual-help project platform. And under the condition that the end of the mutual-assistance and mutual-assistance health insurance payment period is detected, carrying out the project clearing processing of the mutual-assistance and mutual-assistance health insurance for the participants who fail to execute the payment operation in the payment period.
According to the embodiment of the application, the payment reminding is sent to the project member, so that the payment success rate of the project member is improved, meanwhile, the process of manually calling and carrying out the payment operation by the project member is omitted, the labor cost is saved, the reminding efficiency is improved, and the accuracy and timeliness of the payment reminding are ensured.
The following is a description of the payment reminding method provided by the application by taking the application of the payment reminding method in the mutual aid health risk scene as an example with reference to fig. 2:
and S202, checking the mutually-aided gold application of the claim.
After receiving the mutual aid gold application of the ginseng and the security personnel, auditing the mutual aid gold application of the ginseng and the security personnel.
Step S204, determining the apportioned amount generated in the process of participating the participant in the mutual aid and the health risk.
After the verification is passed, calculating the allocation amount of each participant according to the amount of the mutual-aid money and the number of the participant in the mutual-aid health risk.
Step S206, obtaining behavior data of the participant in a mutual aid health risk operation bearing mutual aid project platform for executing at least operation related to the mutual aid health risk.
After determining the allocation amount generated in the process of participating in the mutual aid and ataxia health risk, acquiring behavior data of the participant in a mutual aid and ataxia project platform;
If the acquired behavior data includes login behavior data, executing step S208;
if the acquired behavior data includes browsing interaction and health risk page behavior data, executing step S210;
if the acquired behavior data includes transaction behavior data, step S212 is executed.
Step S208, determining that the payment reminding mode is a login payment reminding mode.
When the acquired behavior data are login behavior data, determining that a payment reminding mode for executing a payment operation based on the allocated amount is a login payment reminding mode, namely, after the participant executes the login operation based on the mutual assistance and common assistance project platform, sending a payment reminding for executing the payment operation based on the allocated amount to the participant.
Step S210, determining that the payment reminding mode is a browsing mutually-aided health insurance page payment reminding mode.
When the acquired behavior data is browsing the mutual-aid health insurance page behavior data, determining that a payment reminding mode for executing a payment operation based on the allocation amount is a browsing project page payment reminding mode, namely, after the participating person executes the operation of browsing the mutual-aid health insurance page based on the mutual-aid health insurance in the mutual-aid health project platform, sending a payment reminding mode for executing the payment operation based on the allocation amount to the participating person.
Step S212, determining that the payment reminding mode is a transaction payment reminding mode.
When the acquired behavior data are transaction behavior data, a payment reminding mode for executing payment operation based on the allocated amount is sent to a participant according to the transaction easiness data determination, and is a transaction payment reminding mode, namely, after the participant executes account-moving transaction operation in the mutual aid common-use project platform, a payment reminding mode for executing payment operation based on the allocated amount is sent to the participant.
Step S214, sending a payment reminder.
And (2) according to the payment reminding mode determined in the steps S208 to S212, browsing the project page payment reminding mode and the transaction payment reminding mode according to the login payment reminding mode, and reminding the paramedics to execute the payment operation based on the amortized amount by adopting the payment reminding mode after determining the payment reminding mode sent to the paramedics.
Step S216, detecting whether the payment period is over.
Detecting whether a payment period of the mutual aid health insurance based on the amortized amount of the participant is finished or not in the process of the mutual aid health insurance project;
if yes, go to step S218;
if not, the processing is not needed.
Step S218, overdue clear processing is executed for the insured participants who fail to pay.
If the payment of the insurer fails after the payment period is finished, executing the project clearance processing of the mutual aid and health insurance for the insurer who fails to execute the payment operation in the payment period.
According to the payment reminding method provided by the application, the manner of sending the payment reminding to the project member is determined by analyzing the behavior data of the project member in the project platform, and the payment reminding is sent to the project member, so that the rationality and the sending efficiency of the payment reminding are improved, and the project member can conveniently check the payment reminding in time.
The embodiment of the application provides a payment reminding device, which is as follows:
referring to fig. 3, a schematic diagram of an embodiment of a payment reminding device provided by the application is shown.
In the foregoing embodiment, a payment reminding method is provided, and correspondingly, the application further provides a payment reminding device, which is described below with reference to fig. 3.
Since the apparatus embodiments are substantially similar to the method embodiments, the description is relatively simple, and reference should be made to the corresponding descriptions of the method embodiments provided above for relevant parts. The device embodiments described below are merely illustrative.
The application provides a payment reminding device, comprising:
a payment amount determination module 302 configured to determine a payment amount generated during participation of the project member in the project;
a behavior data acquisition module 304 configured to acquire behavior data of the project member for performing at least an operation associated with the project in a project platform carrying the project run;
a payment reminding mode determining module 306 configured to determine, by analyzing the behavior data, a payment reminding mode for executing a payment operation to the project member;
and a reminding module 308 configured to remind the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode.
Optionally, the behavior data includes at least one of the following:
the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform.
Optionally, the payment reminding mode determining module 306 includes:
the login payment reminding determination submodule is configured to determine that a payment reminding mode for executing payment operation based on the payment amount is a login payment reminding mode sent to the project member according to the login behavior data;
Accordingly, the alert module 308 includes:
and the login payment reminding sending sub-module is configured to send a payment reminding for executing the payment operation based on the payment amount to the project member after the project member executes the login operation based on the project platform by adopting the login payment reminding mode.
Optionally, the payment reminding mode determining module 306 includes:
the browse project page payment reminding determination submodule is configured to determine that a payment reminding mode for executing payment operation based on the payment amount is a browse project page payment reminding mode sent to the project member according to the browse project page behavior data;
accordingly, the alert module 308 includes:
and the browse project page payment reminding sending sub-module is configured to send a payment reminding for executing payment operation based on the payment amount to the project member after the project member executes the operation of browsing the project page based on the project in the project platform by adopting the browse project page payment reminding mode.
Optionally, the payment reminding mode determining module 306 includes:
the transaction payment reminding determination submodule is configured to determine a payment reminding mode for executing payment operation based on the payment amount to the project member according to the payment easiness as a transaction payment reminding mode;
Accordingly, the alert module 308 includes:
and the transaction payment reminding sending sub-module is configured to send a payment reminding for executing payment operation based on the payment amount to the project member after the project member executes the dynamic account transaction operation in the project platform by adopting the transaction payment reminding mode.
Optionally, the reminder module 308 is run during a payment period for the item.
Optionally, the alert module 308 includes:
and the clearing processing sub-module is configured to carry out item clearing processing on the item members which fail to execute the payment operation in the payment period under the condition that the payment period is detected to be ended.
Optionally, the items include: a mutual aid and common aid project;
the project members include: a member of a mutually-assisted ataxia project participating in the mutually-assisted ataxia project;
the project platform comprises: the mutual aid ataxia project platform is used for bearing the mutual aid ataxia project and at least comprises mutual aid ataxia project platforms with the mutual aid ataxia project members serving as users;
the payment amount comprises: and the mutual-aid money generated in the process of participating in the mutual-aid co-aid project is calculated according to the calculated amount obtained after the number of the mutual-aid co-aid project members is calculated.
Optionally, the payment amount determining module 302 includes:
the information checking sub-module is configured to perform information checking on users of the mutually-assisted co-assisted project platform which are applied to participate in the mutually-assisted co-assisted project; the user becomes the member of the mutually-assisted ataxia project after checking the information;
an item detail generation sub-module configured to generate item details of the mutually-assisted ataxia item in which the mutually-assisted ataxia item members participate; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
Optionally, the mutual aid and ataxia project member information includes at least one of the following:
the contact mode of the mutual aid ataxia project members, the fund account of the mutual aid ataxia project members, and the mutual aid ataxia project platform account of the mutual aid ataxia project members.
Optionally, the behavior data acquisition module 304 includes:
an active time acquisition sub-module configured to acquire an active time of the mutually-assisted ataxia project member performing an operation in the mutually-assisted ataxia project platform;
an activity time period determination submodule configured to determine an activity time period of the mutually-assisted co-ataxia project member at the mutually-assisted co-ataxia project platform by analyzing the activity time.
Optionally, the alert module 308 includes:
and the payment reminding short message sending sub-module is configured to send a payment reminding short message for executing payment operation based on the payment amount to the mutual aid and common aid project members in the active time period according to the contact mode.
Optionally, the payment amount determining module 302 includes:
a mutually-assisted gold request receiving sub-module configured to receive a claim mutually-assisted gold request of the mutually-assisted ataxia project member;
a review sub-module configured to review the mutually-assisted ataxia project members in accordance with the mutually-assisted gold request;
an apportionment amount determination sub-module configured to apportion the apportionment amount obtained according to the number of mutually-assisted co-economic item members according to the mutually-assisted gold if the review passes.
An embodiment of a computing device provided by the present application is as follows:
fig. 4 is a block diagram illustrating a configuration of a computing device 400 according to an embodiment of the present description. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to hold data.
Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 440 may include one or more of any type of network interface, wired or wireless (e.g., a Network Interface Card (NIC)), such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.
In one embodiment of the present description, the above-described components of computing device 400, as well as other components not shown in FIG. 4, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device shown in FIG. 4 is for exemplary purposes only and is not intended to limit the scope of the present description. Those skilled in the art may add or replace other components as desired.
Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smart phone), wearable computing device (e.g., smart watch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.
The present application provides a computing device comprising a memory 410, a processor 420, and computer instructions stored on the memory and executable on the processor, the processor 420 for executing computer executable instructions to:
Determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation;
determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data;
and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
Optionally, the behavior data includes at least one of the following:
the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform.
Optionally, if the behavior data is login behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data;
Correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and after the project member executes login operation based on the project platform, sending a payment prompt for executing payment operation based on the payment amount to the project member by adopting the login payment prompt mode.
Optionally, if the behavior data is behavior data of browsing a project page, the determining, by analyzing the behavior data, to send a payment reminding manner for executing a payment operation to the project member includes:
determining a payment reminding mode for sending the payment operation based on the payment amount to the project member according to the browsing project page behavior data to be a browsing project page payment reminding mode;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the operation of browsing the project page based on the project in the project platform by adopting the payment prompt mode of browsing the project page.
Optionally, if the behavior data is transaction behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
according to the data of the easy-to-pay, a payment reminding mode for executing payment operation based on the payment amount is determined to be a transaction payment reminding mode;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the dynamic account transaction operation in the project platform by adopting the transaction payment prompt mode.
Optionally, the reminding of the project member by adopting the payment reminding mode is executed in the payment period of the project, and the payment operation step is executed based on the payment amount.
Optionally, after the reminding the project member to execute the payment operation step based on the payment amount by adopting the payment reminding mode, the method includes:
and under the condition that the payment period is detected to be ended, carrying out project clearing processing on the project members which fail to execute the payment operation in the payment period.
Optionally, the items include: a mutual aid and common aid project;
the project members include: a member of a mutually-assisted ataxia project participating in the mutually-assisted ataxia project;
the project platform comprises: the mutual aid ataxia project platform is used for bearing the mutual aid ataxia project and at least comprises mutual aid ataxia project platforms with the mutual aid ataxia project members serving as users;
the payment amount comprises: and the mutual-aid money generated in the process of participating in the mutual-aid co-aid project is calculated according to the calculated amount obtained after the number of the mutual-aid co-aid project members is calculated.
Optionally, before the step of determining the payment amount generated in the process of participating in the project by the project member is executed, the method includes:
information checking is carried out on users applying for the mutual aid co-aid project platform participating in the mutual aid co-aid project; the user becomes the member of the mutually-assisted ataxia project after checking the information;
generating item details of the mutual aid ataxia item members participating in the mutual aid ataxia item; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
Optionally, the mutual aid and ataxia project member information includes at least one of the following:
The contact mode of the mutual aid ataxia project members, the fund account of the mutual aid ataxia project members, and the mutual aid ataxia project platform account of the mutual aid ataxia project members.
Optionally, the acquiring the behavior data of the project member for executing at least the operation associated with the project in the project platform carrying the project operation includes:
acquiring the active time of the mutual aid ataxia project member for executing operation in the mutual aid ataxia project platform;
and determining the active time period of the mutual aid ataxia project member on the mutual aid ataxia project platform by analyzing the active time.
Optionally, the determining, by analyzing the behavior data, a payment reminding manner of executing a payment operation to the project member includes:
and sending a payment reminding short message for executing the payment operation based on the payment amount to the mutual aid co-economic project members in the active time period according to the contact mode.
Optionally, the determining the payment amount generated in the process of participating in the project by the project member includes:
receiving a claim mutual-help fund request of the mutual-help ataxia project member;
checking the mutual aid ataxia project members according to the mutual aid gold request;
And if the examination is passed, the obtained allocation amount is allocated according to the mutual-assistance money and the number of the mutual-assistance and mutual-assistance project members.
An embodiment of a computer-readable storage medium provided by the present application is as follows:
an embodiment of the present application also provides a computer-readable storage medium storing computer instructions that, when executed by a processor, are configured to:
determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project members for executing operations at least related to the project in a project platform carrying the project operation;
determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data;
and reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
Optionally, the behavior data includes at least one of the following:
the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform.
Optionally, if the behavior data is login behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and after the project member executes login operation based on the project platform, sending a payment prompt for executing payment operation based on the payment amount to the project member by adopting the login payment prompt mode.
Optionally, if the behavior data is behavior data of browsing a project page, the determining, by analyzing the behavior data, to send a payment reminding manner for executing a payment operation to the project member includes:
determining a payment reminding mode for sending the payment operation based on the payment amount to the project member according to the browsing project page behavior data to be a browsing project page payment reminding mode;
Correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the operation of browsing the project page based on the project in the project platform by adopting the payment prompt mode of browsing the project page.
Optionally, if the behavior data is transaction behavior data, the determining, by analyzing the behavior data, to send a payment reminding manner of executing a payment operation to the project member includes:
according to the data of the easy-to-pay, a payment reminding mode for executing payment operation based on the payment amount is determined to be a transaction payment reminding mode;
correspondingly, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode comprises the following steps:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the dynamic account transaction operation in the project platform by adopting the transaction payment prompt mode.
Optionally, the reminding of the project member by adopting the payment reminding mode is executed in the payment period of the project, and the payment operation step is executed based on the payment amount.
Optionally, after the reminding the project member to execute the payment operation step based on the payment amount by adopting the payment reminding mode, the method includes:
and under the condition that the payment period is detected to be ended, carrying out project clearing processing on the project members which fail to execute the payment operation in the payment period.
Optionally, the items include: a mutual aid and common aid project;
the project members include: a member of a mutually-assisted ataxia project participating in the mutually-assisted ataxia project;
the project platform comprises: the mutual aid ataxia project platform is used for bearing the mutual aid ataxia project and at least comprises mutual aid ataxia project platforms with the mutual aid ataxia project members serving as users;
the payment amount comprises: and the mutual-aid money generated in the process of participating in the mutual-aid co-aid project is calculated according to the calculated amount obtained after the number of the mutual-aid co-aid project members is calculated.
Optionally, before the step of determining the payment amount generated in the process of participating in the project by the project member is executed, the method includes:
Information checking is carried out on users applying for the mutual aid co-aid project platform participating in the mutual aid co-aid project; the user becomes the member of the mutually-assisted ataxia project after checking the information;
generating item details of the mutual aid ataxia item members participating in the mutual aid ataxia item; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
Optionally, the mutual aid and ataxia project member information includes at least one of the following:
the contact mode of the mutual aid ataxia project members, the fund account of the mutual aid ataxia project members, and the mutual aid ataxia project platform account of the mutual aid ataxia project members.
Optionally, the acquiring the behavior data of the project member for executing at least the operation associated with the project in the project platform carrying the project operation includes:
acquiring the active time of the mutual aid ataxia project member for executing operation in the mutual aid ataxia project platform;
and determining the active time period of the mutual aid ataxia project member on the mutual aid ataxia project platform by analyzing the active time.
Optionally, the determining, by analyzing the behavior data, a payment reminding manner of executing a payment operation to the project member includes:
and sending a payment reminding short message for executing the payment operation based on the payment amount to the mutual aid co-economic project members in the active time period according to the contact mode.
Optionally, the determining the payment amount generated in the process of participating in the project by the project member includes:
receiving a claim mutual-help fund request of the mutual-help ataxia project member;
checking the mutual aid ataxia project members according to the mutual aid gold request;
and if the examination is passed, the obtained allocation amount is allocated according to the mutual-assistance money and the number of the mutual-assistance and mutual-assistance project members.
The above is an exemplary version of a computer-readable storage medium of the present embodiment. It should be noted that, the technical solution of the storage medium and the technical solution of the payment reminding method belong to the same concept, and details of the technical solution of the storage medium which are not described in detail can be referred to the description of the technical solution of the payment reminding method.
The computer instructions include computer program code that may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium contains content that can be appropriately scaled according to the requirements of jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is subject to legislation and patent practice, the computer readable medium does not include electrical carrier signals and telecommunication signals.
It should be noted that, for the sake of simplicity of description, the foregoing method embodiments are all expressed as a series of combinations of actions, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily all required for the present application.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.
The preferred embodiments of the application disclosed above are intended only to assist in the explanation of the application. Alternative embodiments are not intended to be exhaustive or to limit the application to the precise form disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and the practical application, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and the full scope and equivalents thereof.

Claims (15)

1. The payment reminding method is characterized by comprising the following steps of:
determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project member for executing at least an operation associated with the project in an active time period in a project platform carrying the project operation, wherein the behavior data comprises at least one of the following: the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform;
determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data, wherein the payment reminding mode comprises the following steps: determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data, determining that a payment reminding mode for executing the payment operation based on the payment amount is a browsing project page payment reminding mode according to the browsing project page behavior data, and determining that a payment reminding mode for executing the payment operation based on the payment amount is a transaction payment reminding mode according to the transaction behavior data;
And reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
2. The payment reminding method according to claim 1, wherein, if the behavior data is login behavior data, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode includes:
and after the project member executes login operation based on the project platform, sending a payment prompt for executing payment operation based on the payment amount to the project member by adopting the login payment prompt mode.
3. The payment reminding method according to claim 1, wherein, if the behavior data is browsing project page behavior data, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode includes:
and sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the operation of browsing the project page based on the project in the project platform by adopting the payment prompt mode of browsing the project page.
4. The payment reminding method according to claim 1, wherein, if the behavior data is transaction behavior data, the reminding the project member to execute the payment operation based on the payment amount by adopting the payment reminding mode includes:
And sending a payment prompt for executing payment operation based on the payment amount to the project member after the project member executes the dynamic account transaction operation in the project platform by adopting the transaction payment prompt mode.
5. A payment reminding method according to claim 1, wherein the step of reminding the member of the project to perform the payment operation based on the payment amount is performed during a payment period of the project.
6. The method of claim 5, wherein the reminding the member of the project by the payment reminding method after the step of executing the payment operation based on the payment amount comprises:
and under the condition that the payment period is detected to be ended, carrying out project clearing processing on the project members which fail to execute the payment operation in the payment period.
7. A payment reminding method according to claim 1, wherein the items include: a mutual aid and common aid project;
the project members include: a member of a mutually-assisted ataxia project participating in the mutually-assisted ataxia project;
the project platform comprises: the mutual aid ataxia project platform is used for bearing the mutual aid ataxia project and at least comprises mutual aid ataxia project platforms with the mutual aid ataxia project members serving as users;
The payment amount comprises: and the mutual-aid money generated in the process of participating in the mutual-aid co-aid project is calculated according to the calculated amount obtained after the number of the mutual-aid co-aid project members is calculated.
8. The payment reminding method according to claim 7, wherein before the step of determining the payment amount generated in the process of participating in the project by the project member is performed, the method comprises:
information checking is carried out on users applying for the mutual aid co-aid project platform participating in the mutual aid co-aid project; the user becomes the member of the mutually-assisted ataxia project after checking the information;
generating item details of the mutual aid ataxia item members participating in the mutual aid ataxia item; the project details comprise mutual-help co-help project member information of the mutual-help co-help project members participating in the mutual-help co-help project.
9. The payment reminding method according to claim 8, wherein the mutual aid co-product project member information comprises at least one of the following:
the contact mode of the mutual aid ataxia project members, the fund account of the mutual aid ataxia project members, and the mutual aid ataxia project platform account of the mutual aid ataxia project members.
10. A payment reminding method according to claim 9, wherein the obtaining the behavior data of the project member for executing at least the operation associated with the project in a project platform carrying the project operation includes:
acquiring the active time of the mutual aid ataxia project member for executing operation in the mutual aid ataxia project platform;
and determining the active time period of the mutual aid ataxia project member on the mutual aid ataxia project platform by analyzing the active time.
11. The payment reminding method according to claim 10, wherein the determining, by analyzing the behavior data, to send a payment reminding manner of performing a payment operation to the project member includes:
and sending a payment reminding short message for executing the payment operation based on the payment amount to the mutual aid co-economic project members in the active time period according to the contact mode.
12. The payment reminding method according to claim 8, wherein the determining the payment amount generated in the process of participating in the project by the project member comprises:
receiving a claim mutual-help fund request of the mutual-help ataxia project member;
checking the mutual aid ataxia project members according to the mutual aid gold request;
And if the examination is passed, the obtained allocation amount is allocated according to the mutual-assistance money and the number of the mutual-assistance and mutual-assistance project members.
13. A payment reminder, comprising:
the payment amount determining module is configured to determine the payment amount generated in the process of participating in the project by the project member;
a behavior data acquisition module configured to acquire behavior data of the project member for performing at least an operation associated with the project in an active period in a project platform carrying the project operation, wherein the behavior data includes at least one of: the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform;
the payment reminding mode determining module is configured to determine, by analyzing the behavior data, a payment reminding mode for executing a payment operation to the project member, and comprises: determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data, determining that a payment reminding mode for executing the payment operation based on the payment amount is a browsing project page payment reminding mode according to the browsing project page behavior data, and determining that a payment reminding mode for executing the payment operation based on the payment amount is a transaction payment reminding mode according to the transaction behavior data;
And the reminding module is configured to remind the project members of executing the payment operation based on the payment amount by adopting the payment reminding mode.
14. A computing device, comprising:
a memory and a processor;
the memory is for storing computer-executable instructions, and the processor is for executing the computer-executable instructions:
determining payment amount generated in the process of participating in the project by the project member;
acquiring behavior data of the project member for executing at least an operation associated with the project in an active time period in a project platform carrying the project operation, wherein the behavior data comprises at least one of the following: the project members are based on login behavior data of the project platform, the project members are based on browsing project page behavior data of the project in the project platform, and transaction behavior data of transactions occur in the project platform;
determining a payment reminding mode for sending execution payment operation to the project member by analyzing the behavior data, wherein the payment reminding mode comprises the following steps: determining that a payment reminding mode for executing the payment operation based on the payment amount is a login payment reminding mode according to the login behavior data, determining that a payment reminding mode for executing the payment operation based on the payment amount is a browsing project page payment reminding mode according to the browsing project page behavior data, and determining that a payment reminding mode for executing the payment operation based on the payment amount is a transaction payment reminding mode according to the transaction behavior data;
And reminding the project members to execute the payment operation based on the payment amount by adopting the payment reminding mode.
15. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the method of any one of claims 1 to 12.
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