CN110175922A

CN110175922A - Project payment processing method, device and system

Info

Publication number: CN110175922A
Application number: CN201910236712.6A
Authority: CN
Inventors: 徐旭
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-03-27
Filing date: 2019-03-27
Publication date: 2019-08-27

Abstract

The application provides project payment processing method, device and system, wherein the project payment processing method includes: to obtain the payment information recorded in the project details that program member participates in the project from the project platform of carrying project operation；It initiates to deduct fees to the program member within the grace period that the program member participates in the project according to the payment information；It is described deduct fees failure in the case where, judge the program member at least one of whether corresponding with payment tolerance member in the payment of the project tolerance list payment tolerance condition matching of the behavior characteristic information of the affiliated project dimension of the project；If mismatching, the program member is subjected to processing of clearing up and discharging in the project.Project payment processing method provided by the present application, leave for whether detection project member should be cleared up and discharged from the behavior characteristic information of program member, the all items member for reducing failure of deducting fees faces the risk cleared up and discharged from project, causes equity to lose so that program member be avoided to be cleared up and discharged.

Description

Project payment processing method, device and system

Technical field

This application involves technical field of data processing, in particular to a kind of project payment processing method.The application relates to simultaneously And a kind of project payment processing unit, a kind of project are paid the fees processing system, a kind of calculating equipment, and a kind of computer-readable are deposited Storage media.

Background technique

With the rapid development of Internet technology, the sale of insurance, after sale, Claims Resolution etc. conversational traffics can be more convenient Ground on-line operation, meanwhile, as degree of concern of the user to own health is higher and higher, the long-term insurance kind such as weight disease, life insurance is more next More by the favor of user, during the insuring of long-term danger, if insurer can disposably insure simultaneously to subsequent dry spell, It can also constantly continue insurance, continue insurance in this case in insurer, insurer needs in last guarantor on the basis of last issue It continues insurance before danger expires or within the grace period of insurance contract.

The grace period of insurance contract refers to that insurance company does not pay insurer on time when renewing premium tolerance to be administered Between, within the grace period, premium is renewed even if not paying, insurance contract is still effective, if insurance risk occurs during this period, Insurance company is still to undertake insurance responsibility, but to deduct the insurance premium for owing to hand over from the payment amount of money；But if exceeding the grace period Insurer does not pay in full amount renew premium yet, then insurance contract will stop；After insurance stops, multiple effect, Cai Huichong are only proposed It is new to restore effect.

Currently, insurance company can send to insurer in the grace period and actively pay the fees during insurance expires continuation of insurance It reminds, if insurer after transmission is reminded not carry out active payment, is actively paid what insurer specified by insurance company Expense account is withholdd, if withholdd unsuccessfully to the payment account that insurer specifies, insurer can be after the grace period terminates It is cleared up and discharged.

Often there is the payment account balance that insurer specifies in practice to be not enough to support that payment is withholdd or insurer forgets Note the case where actively pay the fees, but the case where insurer pays the fees not successfully can not be differentiated at present, for pay the fees account balance deficiency or Person forgets for the insurer actively to pay the fees, and being cleared up and discharged leads to that risk cannot ensure or even the credit of insurer may also can It is affected, haves the defects that certain.

Summary of the invention

In view of this, the embodiment of the present application provides a kind of project payment processing method, to solve to exist in the prior art Technological deficiency.The embodiment of the present application provides a kind of project payment processing unit simultaneously, and a kind of project is paid the fees processing system, and one Kind calculates equipment and a kind of computer readable storage medium.

The embodiment of the present application discloses a kind of project payment processing method, comprising:

What is recorded from the project details that the project platform acquisition program member of carrying project operation participates in the project pays Charge information；

Initiated within the grace period that the program member participates in the project according to the payment information to the project at Member's deducts fees；

It is described deduct fees failure in the case where, judge that the program member is special in the behavior of the affiliated project dimension of the project Reference breath at least one payment tolerance condition whether corresponding with payment tolerance member in the payment of project tolerance list Match；

If mismatching, the program member is subjected to processing of clearing up and discharging in the project.

Optionally, if it is described judge the program member the affiliated project dimension of the project behavior characteristic information whether Payment tolerance condition matching step at least one of corresponding with payment tolerance member in the payment tolerance list of the project is sentenced Disconnected result be it is yes, perform the following operations:

Obtain the history credit information of the program member；

The credit level of the program member is determined based on the history credit information；

Judge whether the credit level of the program member is higher than default credit level threshold value；

If so, determining based on the credit level is carried out to the grace period of the program member the extended extended period；

Determine the extension grace period after extending according to grace period of the extended period to the program member, as The program member participates in the grace period of the project.

Optionally, the extension after the determination extends according to grace period of the extended period to the program member Grace period, after the grace period step execution that the project is participated in as the program member, comprising:

In the end time node of the grace period of the project, initiated based on the payment information to the program member's It is secondary to deduct fees；

It is described it is secondary deduct fees failure in the case where, the program member is subjected to processing of clearing up and discharging in the project；

It is described it is secondary deduct fees in successful situation, then sent to the program member and deduct fees and successfully remind.

Optionally, the payment tolerance condition, including at least one of following:

Credit level meets credit level threshold range, and the participation time for participating in the project, which meets, participates in time threshold model It encloses, the participation phase time for participating in the project meets participation phase subthreshold range.

Optionally, if the payment tolerance condition is that credit level meets credit level threshold range, correspondingly, described sentence Whether the program member of breaking in the behavior characteristic information of the affiliated project dimension of the project with the payment of the project extends the deadline name At least one corresponding payment tolerance condition matching of payment tolerance member in list, comprising:

Obtain the behavior characteristic information of program member project dimension belonging to the project；

Judge whether the credit level of the program member meets the credit level threshold range；

If it is not, execution is described to carry out processing step of clearing up and discharging for the program member in the project.

Optionally, if whether the credit level for judging the program member meets credit level threshold range The judging result of step be it is yes, perform the following operations:

The payment account for detecting the program member within the grace period whether there is to be gone through for deducting fees for the project History data；

If it exists, it according to always deduct fees number and the number of success of deducting fees in the grace period, calculates in the grace period It deducts fees success rate；

Judge whether the success rate of deducting fees in the grace period exceeds default threshold value of deducting fees；

If exceeding, is determined according to the credit level of the program member to the program member and send the prompting that payment is reminded Rank, and send payment to the program member according to the prompting rank and remind；

If without departing from being optimized to the project platform, and initiate the secondary button to the program member after optimization Take.

Optionally, if the payment account of detection program member within the grace period whether there is for described The testing result of the historical data sub-step of deducting fees of project be it is no, perform the following operations:

It is determined according to the credit level of the program member to the program member and sends the prompting rank that payment is reminded；

Payment is sent to the program member according to the prompting rank to remind.

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

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

The payment information includes: that the mutual assistance mutual aid member participates in the mutual assistance generated in the mutual assistance mutual aid Project Process The contribution quota of mutual aid case.

Optionally, the payment information recorded in the project details that project is participated according to program member, in the project Grace period in initiate to the program member deduct fees step execute before, comprising:

It receives the mutual assistance mutual aid application that the mutual assistance mutual aid member initiates and generates corresponding mutual assistance mutual aid case；

Judge whether the corresponding mutual assistance mutual aid case of the mutual assistance mutual aid application is audited by case；

If so, according to the mutual assistance mutual aid case and each mutual assistance mutual aid initiated in the project cycle of the mutual assistance mutual aid project The mutual assistance mutual aid amount of money of case calculates the contribution quota for participating in all items member of the mutual assistance mutual aid project.

The application also provides a kind of project payment processing unit, comprising:

Payment information acquiring unit is configured as obtaining described in program member's participation from the project platform of carrying project operation The payment information recorded in the project details of project；

It deducts fees unit, is configured as according to the payment information within the grace period that the program member participates in the project Initiation deducts fees to the program member；

Matching unit, be configured as it is described deduct fees failure in the case where, judge the program member in the project institute Whether the behavior characteristic information of category project dimension is corresponding at least with payment tolerance member in the payment of project tolerance list One payment tolerance condition matching；

If mismatching, processing unit of clearing up and discharging is run；The processing unit of clearing up and discharging, is configured as the program member in institute It states and carries out processing of clearing up and discharging in project.

The application also provides a kind of project payment processing system, comprising:

Project server-side, program member's terminal；

The project server-side, project platform, data obtaining module, module of deducting fees, matching including carrying project operation Module and processing module of clearing up and discharging；

The project platform is configured as carrying the operation of the project；

Data obtaining module is configured as obtaining program member's participation project from the project platform of carrying project operation Project details in the payment information that records；

The module of deducting fees is configured as participating in the tolerance of the project in the program member according to the payment information It initiates to deduct fees to the program member in phase；

The matching module, be configured as it is described deduct fees failure in the case where, judge the program member in the item Whether the behavior characteristic information of the affiliated project dimension of mesh is corresponding with payment tolerance member in the payment of project tolerance list At least one payment tolerance condition matching；

If mismatching, processing module of clearing up and discharging is run；The processing module of clearing up and discharging, is configured as the program member in institute It states and carries out processing of clearing up and discharging in project；

Program member's terminal is configured as having unique corresponding relation with the program member.

Optionally, if the operation result of the matching module is matching, following module is run:

History credit information obtains module, is configured as obtaining the history credit information of the program member；

Credit level determining module is configured as determining the credit grade of the program member based on the history credit information Not；

Credit level judgment module is configured as judging whether the credit level of the program member is higher than default credit grade Other threshold value；

If so, operation extended period determining module；The extended period determining module is configured as based on the credit grade Que Ding the extended extended period not carried out to the grace period of the program member；

Grace period extends module, is configured to determine that and carries out according to grace period of the extended period to the program member The extension grace period after extension, the grace period of the project is participated in as the program member.

Optionally, the project server-side, further includes:

Secondary module of deducting fees is configured as the end time node in the grace period of the project, is believed based on the payment Breath initiates to deduct fees to the secondary of the program member；

Second clears up and discharges processing module, be configured as it is described it is secondary deduct fees failure in the case where, the program member is existed Processing of clearing up and discharging is carried out in the project；

Deduct fees and successfully remind sending module, be configured as it is described it is secondary deduct fees in successful situation, then to the project Member sends to deduct fees and successfully remind.

Optionally, if the payment tolerance condition is that credit level meets credit level threshold range, correspondingly, described With module, comprising:

Behavior characteristic information acquisition submodule is configured as obtaining program member project belonging to project dimension The behavior characteristic information of degree；

Credit level determines submodule, is configured as determining the credit of the program member based on the history credit information Rank；

Credit level judging submodule, is configured as judging whether the credit level of the program member meets the credit Level threshold range；

If it is not, processing module of clearing up and discharging described in operation.

Optionally, if the judging result of the credit level judging submodule is to meet, following submodule is run:

Historical data of deducting fees detection sub-module is configured as detecting the payment account of the program member within the grace period Family whether there is the historical data of deducting fees for the project；

If it exists, deduct fees success rate computational submodule and success rate judging submodule of deducting fees are run；

The success rate computational submodule of deducting fees is configured as number and being deducted fees into according to always deducting fees in the grace period Function number calculates the success rate of deducting fees in the grace period；

The success rate judging submodule of deducting fees, is configured as judging whether the success rate of deducting fees in the grace period exceeds Default threshold value of deducting fees；

If exceeding, sending submodule is reminded in operation payment；Sending submodule is reminded in the payment, is configured as according to The credit level of program member, which is determined to the program member, sends the prompting rank that payment is reminded, and according to the prompting rank Payment is sent to the program member to remind；

If without departing from operation project platform optimizes submodule；The project platform optimizes submodule, is configured as to described Project platform optimizes, and initiates to deduct fees to the secondary of the program member after optimization.

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 project payment processing method is realized when execution.

Compared with prior art, the application has the advantages that

The application provides a kind of project payment processing method, comprising: obtains project from the project platform of carrying project operation Member participates in the payment information recorded in the project details of the project；It is participated according to the payment information in the program member It initiates to deduct fees to the program member in the grace period of the project；It is described deduct fees failure in the case where, judge the item Mesh member the affiliated project dimension of the project behavior characteristic information whether with pay the fees in the payment of project tolerance list Extend the deadline at least one corresponding payment tolerance condition matching of member；If mismatch, by the program member in the project into Capable processing of clearing up and discharging.

Project payment processing method provided by the present application, program member is during participation project, program member's It is deducted fees in grace period according to the expense that the payment information of program member need to pay program member, the case where deducting fees failure Under, from the behavior characteristic information of program member, by the behavior characteristic information and payment tolerance condition that judge program member Whether matching come the program member for detecting whether to failure of deducting fees carries out processing of clearing up and discharging, and reduces all items member for failure of deducting fees The risk cleared up and discharged from project is faced, causes equity to lose so that program member be avoided in project to be cleared up and discharged.

Detailed description of the invention

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

Fig. 2 is a kind of project payment processing method processing stream applied to mutual assistance mutual aid project provided by the embodiments of the present application Cheng Tu；

Fig. 3 is a kind of schematic diagram of project payment processing unit provided by the embodiments of the present application；

Fig. 4 is a kind of schematic diagram of project payment processing system provided by the embodiments of the present application；

Fig. 5 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 project payment processing method, and the application also provides a kind of project payment processing unit, a kind of Project payment processing system, a kind of calculating equipment and a kind of computer readable storage medium.It is mentioned below in conjunction with the application The attached drawing of the embodiment of confession is described in detail one by one, and is illustrated to each step of method.

A kind of project payment processing method embodiment provided by the present application is as follows:

Referring to attached drawing 1, it illustrates a kind of project payment processing method process flow diagrams provided in this embodiment, referring to attached Fig. 2, it illustrates a kind of project payment processing method processing streams applied to mutual assistance mutual aid project provided by the embodiments of the present application Cheng Tu.

Step S102 is obtained in the project details that program member participates in the project from the project platform of carrying project operation The payment information of record.

Project described in the embodiment of the present application, can be mutual assistance mutual aid project, crowd raises project, insurance coverage, investment project etc., The embodiment of the present application is illustrated by taking mutual assistance mutual aid project as an example, crowd raise project, insurance coverage, investment project specific implementation with The specific implementation of mutual assistance mutual aid project is similar, and referring to the specific implementation of mutual assistance mutual aid project, details are not described herein.

Correspondingly, the project platform for carrying the project operation, can be the mutual of carrying mutual assistance mutual aid project operation Mutual aid platform is helped, the crowd that carrying crowd raises project operation raises platform, the insurance platform of carrying insurance coverage operation, or carrying investment The investment platform etc. of project operation.

Mutual assistance mutual aid project refers to that set has a collection of member of same requirements, this collection of member is by participating in mutual assistance mutual aid The mode of project carries out mutual mutual assistance mutual aid, i.e., participates in jointly in mutual assistance mutual aid project, when participation mutual assistance mutual aid item When any program member of purpose has an accident or faces other special circumstances to want help, mutual assistance is proposed by the program member Application, mutual assistance application after the approval, by participation mutual assistance mutual aid project sundry item member (except propose mutual assistance application project All items member except member) in such a way that mutual aid money is provided to the program member carry out mutual assistance mutual aid, specifically, this Part mutual aid money is to be paid by the way of sharing by sundry item member, it may be assumed that program member's point certain by payment The characteristics of booth amount of money is that the program member of proposition mutual assistance mutual aid application provides mutual assistance mutual aid, mutual assistance mutual aid project is " post-paid ", That is: program member apply participate in mutual assistance mutual aid project when be not necessarily to paying, when participate in mutual assistance mutual aid project any project at Member has an accident or faces after other special circumstances for wanting help propose mutual assistance application, by sundry item member by paying Receive certain expense mode to propose mutual assistance application program member carry out mutual assistance mutual aid.

The member participated in project is the program member of the project, for example participates in the item in mutual assistance mutual aid project Mesh member is mutual assistance mutual aid member.

Record has the details of project in the project details, and participates in the details of the program member of project.The project Record has program member to participate in the payment information that Project Process generates in details, such as in mutual assistance mutual aid project, payment information In include that mutual assistance mutual aid member participates in the contribution quota of mutual assistance mutual aid case generated in mutual assistance mutual aid Project Process.

Step S104 is initiated within the grace period that the program member participates in the project to institute according to the payment information State deducting fees for program member.

The grace period refers to that program member participates in the expense grace period to be administered that project need to be paid, within the grace period, If program member does not pay the amount of money that participation project need to be paid, the participation state that program member participates in project is still effective；Such as Fruit does not pay beyond the grace period, then unpaid program member will be cleared up and discharged from the project of participation.

Such as in mutual assistance mutual aid project, participating in mutual assistance mutual aid project to mutual assistance mutual aid member in mutual assistance mutual aid project needs to prop up In the mutual aid money grace period to be administered paid, if mutual assistance mutual aid member does not pay contribution quota, mutual assistance mutual aid program member ginseng It is still effective with the participation state of mutual assistance mutual aid project；If not paying contribution quota, unpaid mutual assistance beyond the grace period Mutual aid member is cleared up and discharged from the mutual assistance mutual aid project of participation.

When it is implemented, during program member's participation project, for prevent program member after beyond the grace period from It is cleared up and discharged in the project of participation, the payment information recorded in the project details of project is participated according to program member, in program member Grace period in initiate deduct fees to program member；

If deducting fees success, the expense to be paid for showing that program member participates in generating in Project Process is successfully paid, to Program member sends payment and successfully reminds or be not processed；

If deducted fees unsuccessfully, show that program member participates in the expense to be paid generated in Project Process and do not complete payment, Following step S106 is executed, further judgement processing is carried out to program member.

For example, cleared up and discharged to prevent the mutual assistance mutual aid member for participating in mutual assistance mutual aid project from paying the fees not successfully beyond the grace period, According to the payment date and payment account for including in the payment information recorded in project details, in the payment account of mutual assistance mutual aid member It is indoor to deduct fees；If deducting fees success, payment is sent to mutual assistance mutual aid member and is successfully reminded；If deducted fees unsuccessfully, It executes subsequent to the further judgement processing of program member's progress.

In practical application, after the program member for participating in project files an application and generates respective item case, need to life At project case audited, by taking mutual assistance mutual aid project as an example, according to the participation mutual assistance mutual aid project of mutual assistance mutual aid member The payment information recorded in project details initiated to deduct fees it to mutual assistance mutual aid member within the grace period of mutual assistance mutual aid project Before, the mutual assistance mutual aid application of mutual assistance mutual aid member initiation need to be received, the mutual assistance mutual aid application initiated according to mutual assistance mutual aid member is raw At corresponding mutual assistance mutual aid case, and judge whether the corresponding mutual assistance mutual aid case of the mutual assistance mutual aid application is examined by case Core；

If passing through, according to the mutual assistance mutual aid case and each mutual assistance mutual aid case initiated in the project cycle of mutual assistance mutual aid project The mutual assistance mutual aid amount of money of part calculates the contribution quota for participating in all mutual assistance mutual aid members of mutual assistance mutual aid project；It is described to share gold Volume refers to the expense that mutual assistance mutual aid member needs to pay within the grace period, the above-mentioned payment account specified to mutual assistance mutual aid member Family (the payment account specified in payment information) is deducted fees, and is deducted fees according to the contribution quota；

If not passing through, the mutual assistance mutual aid case that the mutual assistance mutual aid application without initiating mutual assistance mutual aid member generates carries out mutual It helps, is not processed.

The above-mentioned process audited to mutual assistance mutual aid case can make the mutual assistance in mutual assistance mutual aid project participation process total It helps more efficient, so that significantly more efficient ensure the equity for participating in the mutual assistance mutual aid member of mutual assistance mutual aid project.

Step S106, it is described deduct fees failure in the case where, judge the program member in the project affiliated project dimension At least one payment whether corresponding with payment tolerance member in the payment of project tolerance list of the behavior characteristic information of degree The matching of tolerance condition.

In practical application, the behavior characteristic information of program member can be the attributive character information of program member itself, item Mesh member participates in the characteristic information generated in Project Process, or data characteristic information relevant to program member.The present embodiment In, the program member for the failure that prevents from deducting fees all is cleared up and discharged, and is needed the program member to failure of deducting fees to distinguish, is being distinguished On the basis of program member is targetedly handled, during being distinguished to program member, specifically basis The behavior characteristic information of program member distinguishes, and the behavior from program member's project dimension belonging to current participation project is special Reference breath, which sets out, judges whether that the program member to failure of deducting fees clears up and discharges.

The affiliated project dimension of project described in the embodiment of the present application, refers to business scope belonging to project, such as mutual assistance mutual aid Project dimension belonging to project is mutual assistance mutual aid dimension, correspondingly, the mutual assistance mutual aid project institute that mutual assistance mutual aid member participates at it Belong to mutual assistance mutual aid dimension behavior characteristic information, refer in all behavioural characteristic data of mutual assistance mutual aid member with mutual assistance mutual aid phase The behavior characteristic information of pass, specifically, behavior characteristic information relevant to mutual assistance mutual aid includes that mutual assistance mutual aid member is participating in mutually Help the data information generated in mutual aid project.

Program member deduct fees failure the reason of it is varied, it may be possible to due to remaining sum of paying the fees in the payment account of program member Deficiency causes to deduct fees unsuccessfully, it is also possible to and since other reasons cause to deduct fees unsuccessfully, program member deducts fees the diversity of failure cause, Immanent cause is the complexity of program member's own situation, and program member may be influenced to cause to deduct fees unsuccessfully by a variety of causes, Therefore, the program member for the failure that avoids deducting fees is cleared up and discharged, and when tolerance condition is paid the fees in setting, can participate in item according to program member Different payment tolerance conditions is arranged in purpose actual conditions.The payment tolerance condition being arranged in the present embodiment, including credit level Meet credit level threshold range, the participation time for participating in the project, which meets, participates in time threshold range, participates in the project The participation phase time meet participation phase subthreshold range.

Meet it is described payment tolerance condition program member be pay the fees tolerance member, the two have corresponding relationship, one Payment tolerance member can meet multiple payment tolerance conditions, corresponding multiple payment tolerance conditions simultaneously；One can also only be met to pay Take tolerance condition, a corresponding payment tolerance condition.It should be noted that all payment tolerance members are recorded in payment width It limits in list, meanwhile, all payments are extended the deadline the corresponding payment tolerance condition of member and also be can recorde in payment tolerance list.

It is cleared up and discharged from the project of participation to prevent program member from paying the fees not successfully after beyond the grace period, by item Mesh member distinguishes, and is targetedly handled on the basis of differentiation the program member for failure of deducting fees, specifically logical Cross judge program member the affiliated project dimension of project behavior characteristic information whether with pay the fees in the payment of project tolerance list At least one corresponding payment tolerance condition matching of tolerance member distinguishes program member；If program member meets payment Tolerance condition, avoiding program member from being cleared up and discharged by way of extending the grace period of program member；If program member is unsatisfactory for Payment tolerance condition, then carry out processing of clearing up and discharging.

When it is implemented, judging that program member is special in the behavior of the affiliated project dimension of project in the case where deducting fees failure At least one the payment tolerance condition matching whether corresponding with payment tolerance member in the payment of project tolerance list of reference breath；

If 1) match, show that the program member currently judged at least conforms to the corresponding payment of a payment tolerance member Tolerance condition then extends the program member for the grace period of the payment of fees of the project participated in, it is preferred to use as follows Mode is realized:

A) the history credit information of program member is obtained；

B) it is identified project the credit level of member based on the history credit information；

C) judge whether the credit level of program member is higher than default credit level threshold value；

If so, show that the credit level of the program member currently judged meets the requirement for extending the grace period to credit level, It is then determined based on the credit level and the extended extended period is carried out to the grace period of the program member；

If it is not, show the credit level of the program member currently judged be unsatisfactory for extend the grace period credit level is wanted It asks, send payment prompting to the program member or does not deal with；

Specifically, the payment prompting can be the prompting message based on content link, the message based on push content is mentioned It wakes up, such as the prompting sent in a manner of card (Ka Bao) in content link, short message, push (push), application program etc.；This Outside, the payment prompting can also be speech message prompting or phone alerts；

D) the extension grace period after extending according to grace period of the extended period to the program member is determined, as The program member participates in the grace period of the project.

By taking mutual assistance mutual aid project as an example, mutual assistance mutual aid member A and mutual assistance mutual aid member B pay sharing for mutual assistance mutual aid project The grace period of expense is 60 days, in paying process, firstly, obtaining mutual assistance mutual aid member A's and mutual assistance mutual aid member B respectively History credit information, and determine mutual assistance mutual aid member A and mutual assistance mutual aid member B credit level, then, judge mutual assistance mutual aid at Whether the credit level of member A and mutual assistance mutual aid member B meets the credit term for extending the grace period for paying share the expenses, if mutually The credit level of mutual aid member A is helped to meet the credit term for extending the grace period for paying share the expenses, then by mutual assistance mutual aid member A Grace period 80 days were extended to from 60 days, the time limit of delaying is 20 days, by extending the grace period, avoids having the mutual assistance of high credit total Ji member A is cleared up and discharged due to not paying share the expenses beyond the grace period；If the credit level of mutual assistance mutual aid member B is unsatisfactory for prolonging The credit term of the long grace period for paying share the expenses, then keeping the grace period of mutual assistance mutual aid member B is 60 days constant, to mutual assistance Mutual aid member B sends the prompting for paying share the expenses.

Further, the extended basis of the grace period paid the fees in Project Process progress is participated in program member above-mentioned On, it initiates when the grace period after extension ends or again to deduct fees to program member when will end, it is preferred that in project Extension after grace period end time node, the payment information recorded in project-based project details initiate to project at The secondary of member is deducted fees；If secondary success of deducting fees, sends to deduct fees to program member and successfully remind；If secondary deduct fees unsuccessfully, by item Mesh member carries out processing of clearing up and discharging in the project.

If 2) mismatch, show that the program member currently judged does not meet any one payment tolerance in payment tolerance list The corresponding payment tolerance condition of member executes following step S108, program member is carried out processing of clearing up and discharging in the project.

In addition, when it is implemented, with above-mentioned credit level meet this payment of credit level threshold range tolerance condition be Example in a kind of preferred embodiment provided by the embodiments of the present application, judges program member in the behavior of the affiliated project dimension of project Characteristic information at least one payment tolerance condition matching whether corresponding with payment tolerance member in the payment of project tolerance list, It specifically includes:

1) the history credit information of program member is obtained；

2) it is identified project the credit level of member based on the history credit information；

3) judge whether the credit level of program member meets the credit level threshold range；

If meeting, following step 4 is executed)；

If not meeting, following step S108 is executed, program member is subjected to processing of clearing up and discharging in the project；

4) it detects to may cause the deduct fees other reasons of failure of program member, preferably by following manner to carrying The project platform of project operation is detected:

The payment account for detecting the program member within the grace period whether there is the historical data of deducting fees for the project of being directed to；

A) it deducts fees if it exists historical data, shows that the deducting fees for program member to the project of participation has been applied to program member's It pays the fees account, is further detected, number and deducted fees number of success according to always deducting fees in the grace period, described in calculating Success rate of deducting fees in grace period, and judge whether the success rate of deducting fees in the grace period exceeds default threshold value of deducting fees；

If showing to have reached item to the deducting fees for program member of the project of participation in the grace period beyond default threshold value of deducting fees A possibility that requirement of the mesh to success rate of deducting fees, exception occurs in the project platform for carrying project operation, is little, according to program member Credit level determine to program member send payment remind prompting rank, and according to the promptings rank to program member hair Payment is sent to remind；

If showing not reach the deducting fees for program member of the project of participation in the grace period without departing from default threshold value of deducting fees A possibility that requirement to project to success rate of deducting fees, exception occurs in the project platform for carrying project operation, is larger, to the item Head platform optimizes, and initiates to deduct fees to the secondary of program member after optimization.

B) it deducts fees if it does not exist historical data, then shows that the deducting fees for program member to the project of participation is not applied to project A possibility that payment account of member, exception occurs in the project platform for carrying project operation, is larger, carries out to the project platform Optimization, and determined according to the credit level of the program member to program member send the prompting grade that payment is reminded after optimization Not, finally payment is sent to program member according to the prompting rank to remind.

For example, in mutual assistance mutual aid project mutual assistance mutual aid member grace period be 60 days, within 60 day grace period, according to mutual assistance The contribution quota and payment account recorded in the project details of mutual aid project, to the mutual assistance mutual aid member for participating in mutual assistance mutual aid project It deducts fees, in the case where deducting fees failure, obtains credit relevant to credit in the past 1 month of mutual assistance mutual aid member first Information determines the credit level of mutual assistance mutual aid member based on the credit information got, and in the credit of mutual assistance mutual aid member In the case that rank meets credit level threshold range, the payment account of mutual assistance mutual aid member in 60 day grace period is further detected With the presence or absence of for the historical data of deducting fees for paying contribution quota；

If it does, show to be applied to the payment account of mutual assistance mutual aid member for deducting fees for mutual assistance mutual aid member, into The further detection of row calculates in 60 day grace period according to always deduct fees number and the number of success of deducting fees in 60 day grace period It deducts fees success rate, and judges whether the success rate of deducting fees in 60 day grace period exceeds threshold value of deducting fees (80%)；If exceeded, show Deducting fees for most of payment accounts for mutual assistance mutual aid member operates normally in 60 day grace period, carrying mutual assistance mutual aid project It is little that a possibility that abnormal occurs in the operation of mutual assistance mutual aid project platform；If without departing from showing at least one in 60 day grace period There is exception for the operation of deducting fees of the payment account of mutual assistance mutual aid member in part, carries the mutual assistance mutual aid item of mutual assistance mutual aid project A possibility that exception occurs in head platform operation is larger, then optimizes to mutual assistance mutual aid project platform, and after having optimized again To mutual assistance, mutual aid member deducts fees；

If it does not, show not to be applied to the payment account of mutual assistance mutual aid member to deducting fees for mutual assistance mutual aid member, A possibility that exception occurs in the mutual assistance mutual aid project platform operation for carrying mutual assistance mutual aid project is larger, to mutual assistance mutual aid project platform It optimizes, and determines that sending payment to mutual assistance mutual aid member reminds according to the credit level of mutual assistance mutual aid member after having optimized Prompting rank, finally according to remind rank to mutual assistance mutual aid member send payment remind.

The program member is carried out processing of clearing up and discharging by step S108 in the project.

It is above-mentioned to participate in project program member deduct fees failure in the case where, if program member is in the affiliated project of project The behavior characteristic information of dimension can not at least one payment width corresponding with payment tolerance member in the payment of project tolerance list The matching of limit condition, then show the condition that program member is unsatisfactory for being extended the deadline, program member cleared up and discharged from the project of participation Processing.

Following combination attached drawings 2, by taking project provided by the present application payment processing method is in the application of mutual assistance mutual aid project as an example, Project payment processing method is further described, the project payment processing method specifically includes step S202 to step Rapid S224.

Step S202 receives the mutual assistance mutual aid application that mutual assistance mutual aid member initiates and generates corresponding mutual assistance mutual aid case.

Step S204, judges whether the corresponding mutual assistance mutual aid case of mutual assistance mutual aid application is audited by case；

If passing through, following step S206 is executed；

If not passing through, the mutual assistance mutual aid case that the mutual assistance mutual aid application without initiating mutual assistance mutual aid member generates carries out mutual Mutual aid is helped, is not processed.

Step S206, according to the mutual assistance mutual aid case and each mutual assistance mutual aid initiated in the project cycle of mutual assistance mutual aid project The mutual assistance mutual aid amount of money of case, the mutual assistance mutual aid project platform based on carrying mutual assistance mutual aid project operation, which calculates, participates in mutual assistance mutual aid The contribution quota of all mutual assistance mutual aid members of project.

Contribution quota, that is, refer to the expense that mutual assistance mutual aid member needs to pay within the grace period, and subsequent step is total to mutual assistance The payment account (in payment information specify payment account) that Ji member specifies is deducted fees, and according to the contribution quota into Row is deducted fees.

Step S208 obtains the project details that mutual assistance mutual aid member participates in mutual assistance mutual aid project from mutual assistance mutual aid project platform The payment account and contribution quota of middle record.

Step S210 is initiated within the grace period of mutual assistance mutual aid member to mutual assistance mutual aid according to payment account and contribution quota Member's deducts fees.

Step S212 judges mutual assistance mutual aid member in the affiliated project dimension of mutual assistance mutual aid project in the case where deducting fees failure Whether the behavior characteristic information of degree is at least one of corresponding with payment tolerance member in the payment of mutual assistance mutual aid project tolerance list Tolerance condition of paying the fees matching；

If so, executing following step S214；

If it is not, executing following step S224.

Step S214 obtains the history credit information of mutual assistance mutual aid member；

Step S216, the credit level based on history credit information mutual assistance mutual aid member；

Step S218, judges whether the credit level of mutual assistance mutual aid member is higher than default credit level threshold value；

If so, executing following step S220；

If it is not, executing following step S224.

Step S220 is determined based on credit level and is carried out the extended extended period to the grace period of mutual assistance mutual aid member；

Step S222 determines the extension tolerance after extending according to grace period of the extended period to mutual assistance mutual aid member Phase participates in the grace period of mutual assistance mutual aid project as mutual assistance mutual aid member.

Mutual assistance mutual aid member is carried out processing of clearing up and discharging in mutual assistance mutual aid project by step S224.

The processing method in conclusion project provided by the present application is paid the fees, program member is during participation project, in item It is deducted fees in the grace period of mesh member according to the expense that the payment information of program member need to pay program member, is lost deducting fees In the case where losing, from the behavior characteristic information of program member, by the behavior characteristic information and payment that judge program member Whether tolerance condition matches to detect whether that the program member to failure of deducting fees carries out processing of clearing up and discharging, and reduces all of failure of deducting fees Program member faces the risk cleared up and discharged from project, causes equity to lose so that program member be avoided in project to be cleared up and discharged.

A kind of project payment processing unit embodiment provided by the present application is as follows:

In the above-described embodiment, a kind of project payment processing method is provided, corresponding, the application also provides A kind of project payment processing unit, is illustrated with reference to the accompanying drawing.

Referring to attached drawing 3, it illustrates a kind of schematic diagrames of project payment processing unit embodiment provided by the present application.

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 project payment processing unit, comprising:

Payment information acquiring unit 302 is configured as obtaining program member's participation from the project platform of carrying project operation The payment information recorded in the project details of the project；

It deducts fees unit 304, is configured as participating in the tolerance of the project in the program member according to the payment information It initiates to deduct fees to the program member in phase；

Matching unit 306, be configured as it is described deduct fees failure in the case where, judge the program member in the project Whether the behavior characteristic information of affiliated project dimension is corresponding extremely with payment tolerance member in the payment of project tolerance list One item missing payment tolerance condition matching；

If mismatching, processing unit 308 of clearing up and discharging is run；The processing unit 308 of clearing up and discharging, be configured as by the project at Member carries out processing of clearing up and discharging in the project.

Optionally, if the judging result exported after the operation of the matching unit 306 is yes, operation such as lower unit:

History credit information acquiring unit is configured as obtaining the history credit information of the program member；

Credit level determination unit is configured as determining the credit grade of the program member based on the history credit information Not；

Credit level judging unit is configured as judging whether the credit level of the program member is higher than default credit grade Other threshold value；

If so, operation extended period determination unit；The extended period determination unit is configured as based on the credit grade Que Ding the extended extended period not carried out to the grace period of the program member；

Grace period extension unit is configured to determine that and carries out according to grace period of the extended period to the program member The extension grace period after extension, the grace period of the project is participated in as the program member.

Optionally, the project payment processing unit, comprising:

Secondary unit of deducting fees is configured as the end time node in the grace period of the project, is believed based on the payment Breath initiates to deduct fees to the secondary of the program member；

Second clears up and discharges processing unit, be configured as it is described it is secondary deduct fees failure in the case where, the program member is existed Processing of clearing up and discharging is carried out in the project；

Deduct fees and successfully remind transmission unit, be configured as it is described it is secondary deduct fees in successful situation, then to the project Member sends to deduct fees and successfully remind.

Optionally, if the payment tolerance condition is that credit level meets credit level threshold range, correspondingly, described With unit 306, comprising:

Behavior characteristic information obtains subelement, is configured as obtaining program member project belonging to project dimension The behavior characteristic information of degree；

Credit level determines subelement, is configured as determining the credit of the program member based on the history credit information Rank；

Credit level judgment sub-unit, is configured as judging whether the credit level of the program member meets the credit Level threshold range；

If it is not, processing unit 308 of clearing up and discharging described in operation.

Optionally, if the judging result exported after credit level judgment sub-unit operation is yes, the following son list of operation Member:

Historical data of deducting fees detection sub-unit is configured as detecting the payment account of the program member within the grace period Family whether there is the historical data of deducting fees for the project；

If it exists, deduct fees success rate computation subunit and success rate judgment sub-unit of deducting fees are run；

The success rate computation subunit of deducting fees is configured as number and being deducted fees into according to always deducting fees in the grace period Function number calculates the success rate of deducting fees in the grace period；

The success rate judgment sub-unit of deducting fees, is configured as judging whether the success rate of deducting fees in the grace period exceeds Default threshold value of deducting fees；

If exceeding, transmission sub-unit is reminded in operation payment；Transmission sub-unit is reminded in the payment, is configured as according to The credit level of program member, which is determined to the program member, sends the prompting rank that payment is reminded, and according to the prompting rank Payment is sent to the program member to remind；

If without departing from operation project platform optimizes subelement；The project platform optimizes subelement, is configured as to described Project platform optimizes, and initiates to deduct fees to the secondary of the program member after optimization.

Optionally, if the testing result exported after the operation of the historical data detection sub-unit of deducting fees be it is no, operation such as Lower subelement:

Remind rank determine subelement, be configured as according to the credit level of the program member determine to the project at Member sends the prompting rank that payment is reminded；

Transmission sub-unit is reminded in payment, is configured as sending to pay the fees to the program member according to the prompting rank mentioning It wakes up.

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

Optionally, the project payment processing unit, comprising:

Mutual assistance mutual aid application receiving unit is configured as receiving mutual assistance mutual aid application that the mutual assistance mutual aid member initiates simultaneously Generate corresponding mutual assistance mutual aid case；

Case audits unit, is configured as judging whether the corresponding mutual assistance mutual aid case of the mutual assistance mutual aid application passes through case Part audit；

If so, operation contribution quota computing unit；The contribution quota computing unit is configured as total according to the mutual assistance The mutual assistance mutual aid amount of money of the mutual assistance mutual aid case and each mutual assistance mutual aid case initiated in the project cycle of Ji project is calculated and is participated in The contribution quota of all items member of the mutual assistance mutual aid project.

It is as follows that one kind provided by the present application renews payment system for prompting embodiment:

In the above-described embodiment, it provides one kind and renews payment based reminding method, in addition, present invention also provides one kind to continue Phase pays the fees system for prompting, it is described the payment system for prompting paying service end that includes and above-mentioned offer be provided renew payment prompting side Method is corresponding, so describing fairly simple, relevant part refers to the corresponding explanation of the embodiment of the method for above-mentioned offer. System embodiment described below is only schematical.

Referring to attached drawing 4, it illustrates one kind provided by the present application to renew payment system for prompting, comprising:

Project server-side 410, program member's terminal 420；

The project server-side 410, including carrying the project platform 411 of project operation, data obtaining module 412, deducting fees Module 413, matching module 414 and processing module 415 of clearing up and discharging；

The project platform 411 is configured as carrying the operation of the project；

Data obtaining module 412 is configured as obtaining described in program member's participation from the project platform of carrying project operation The payment information recorded in the project details of project；

The module 413 of deducting fees is configured as participating in the project in the program member according to the payment information It initiates to deduct fees to the program member in grace period；

The matching module 414, be configured as it is described deduct fees failure in the case where, judge the program member described Whether the behavior characteristic information of the affiliated project dimension of project is corresponding with payment tolerance member in the payment of project tolerance list At least one of payment tolerance condition matching；

If mismatching, processing module 415 of clearing up and discharging is run；The processing module 415 of clearing up and discharging, be configured as by the project at Member carries out processing of clearing up and discharging in the project；

Program member's terminal 420 is configured as having unique corresponding relation with the program member.

Optionally, if the operation result of the matching module 414 is matching, following module is run:

Optionally, the project server-side 410, further includes:

Optionally, if the payment tolerance condition is that credit level meets credit level threshold range, correspondingly, described With module 414, comprising:

If it is not, processing module 415 of clearing up and discharging described in operation.

Optionally, if the testing result after the historical data detection sub-module operation of deducting fees is no, the following son of operation Module:

Remind rank determine submodule, be configured as according to the credit level of the program member determine to the project at Member sends the prompting rank that payment is reminded；

Sending submodule is reminded in payment, is configured as sending to pay the fees to the program member according to the prompting rank mentioning It wakes up.

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

Optionally, the project server-side 410, further includes:

Mutual assistance mutual aid application receiving module is configured as receiving mutual assistance mutual aid application that the mutual assistance mutual aid member initiates simultaneously Generate corresponding mutual assistance mutual aid case；

Case auditing module is configured as judging whether the corresponding mutual assistance mutual aid case of the mutual assistance mutual aid application passes through case Part audit；

If so, operation contribution quota computing module；

The contribution quota computing module is configured as initiating in the project cycle according to the mutual assistance mutual aid project mutual The mutual assistance mutual aid amount of money of mutual aid case and each mutual assistance mutual aid case is helped, all items for participating in the mutual assistance mutual aid project are calculated The contribution quota of member.

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

Fig. 5 is to show the structural block diagram of the calculating equipment 500 according to one embodiment of this specification.The calculating equipment 500 Component include but is not limited to memory 510 and processor 520.Processor 520 is connected with memory 510 by bus 530, Database 550 is for saving data.

Calculating equipment 500 further includes access device 540, access device 540 enable calculate equipment 500 via one or Multiple networks 560 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 540 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. 5 of equipment 500 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. 5 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 500 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 500 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 510, processor 520 and storage are on a memory and can be The computer instruction run on processor, the processor 520 is for executing following computer executable instructions:

Optionally, if it is described judge the program member the affiliated project dimension of the project behavior characteristic information whether Payment tolerance condition matching instruction at least one of corresponding with payment tolerance member in the payment tolerance list of the project is held Row result be it is yes, the processor 520 is also used to execute following computer executable instructions:

Obtain the history credit information of the program member；

Optionally, the extension after the determination extends according to grace period of the extended period to the program member Grace period, after the grace period instruction execution that the project is participated in as the program member, the processor 520 is also used to hold The following computer executable instructions of row:

If it is not, execution is described to carry out process instruction of clearing up and discharging for the program member in the project.

Optionally, if whether the credit level for judging the program member meets the credit level threshold range and refer to The implementing result of order be it is yes, the processor 520 is also used to execute following computer executable instructions:

Optionally, if the payment account of detection program member within the grace period whether there is for described Project deduct fees historical data instruction implementing result be it is no, the processor 520 be also used to execute following computer can be performed Instruction:

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

Optionally, the payment information recorded in the project details that project is participated according to program member, in the project Grace period in initiate to execute the fee deduction instruction of the program member before, the processor 520 is also used to execute following meter Calculation machine executable instruction:

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:

Obtain the history credit information of the program member；

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 the technical solution of storage media and above-mentioned project payment processing method belongs to same design, the technology of storage medium The detail content that scheme is not described in detail may refer to the description of the technical solution of above-mentioned project payment processing 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

The processing method 1. a kind of project is paid the fees characterized by comprising

The payment letter recorded in the project details that program member participates in the project is obtained from the project platform of carrying project operation Breath；

It is initiated within the grace period that the program member participates in the project to the program member's according to the payment information It deducts fees；

It is described deduct fees failure in the case where, judge the program member the affiliated project dimension of the project behavioural characteristic believe Breath at least one payment tolerance condition matching whether corresponding with payment tolerance member in the payment of project tolerance list；

If mismatching, the program member is subjected to processing of clearing up and discharging in the project.
The processing method 2. project according to claim 1 is paid the fees, which is characterized in that if the judgement program member exists The behavior characteristic information of the affiliated project dimension of project whether with payment tolerance member in the payment of project tolerance list The judging result of at least one of corresponding payment tolerance condition matching step be it is yes, perform the following operations:

Obtain the history credit information of the program member；

The credit level of the program member is determined based on the history credit information；

Judge whether the credit level of the program member is higher than default credit level threshold value；

If so, determining based on the credit level is carried out to the grace period of the program member the extended extended period；

The extension grace period after extending according to grace period of the extended period to the program member is determined, as described Program member participates in the grace period of the project.
The processing method 3. project according to claim 2 is paid the fees, which is characterized in that the determination is according to the extended period The extension grace period after extending to the grace period of the program member, the width of the project is participated in as the program member After time limit step executes, comprising:

In the end time node of the grace period of the project, initiated based on the payment information to the secondary of the program member It deducts fees；

It is described it is secondary deduct fees failure in the case where, the program member is subjected to processing of clearing up and discharging in the project；

It is described it is secondary deduct fees in successful situation, then sent to the program member and deduct fees and successfully remind.
The processing method 4. project according to claim 1 is paid the fees, which is characterized in that the payment tolerance condition, including under State at least one:

Credit level meets credit level threshold range, and the participation time for participating in the project, which meets, participates in time threshold range, The participation phase time for participating in the project meets participation phase subthreshold range.
The processing method 5. project according to claim 4 is paid the fees, which is characterized in that if the payment tolerance condition is credit Rank meets credit level threshold range, correspondingly, the judgement program member is in the affiliated project dimension of the project Behavior characteristic information at least one payment whether corresponding with payment tolerance member in the payment of project tolerance list is extended the deadline Condition matching, comprising:

Obtain the behavior characteristic information of program member project dimension belonging to the project；

The credit level of the program member is determined based on the history credit information；

Judge whether the credit level of the program member meets the credit level threshold range；

If it is not, execution is described to carry out processing step of clearing up and discharging for the program member in the project.
The processing method 6. project according to claim 5 is paid the fees, which is characterized in that if the judgement program member Credit level whether meet the credit level threshold range sub-step judging result be it is yes, perform the following operations:

The payment account for detecting the program member within the grace period whether there is the history number of deducting fees for being directed to the project According to；

If it exists, according to always deduct fees number and the number of success of deducting fees in the grace period, deducting fees in the grace period is calculated Success rate；

Judge whether the success rate of deducting fees in the grace period exceeds default threshold value of deducting fees；

If exceeding, is determined according to the credit level of the program member to the program member and send the prompting grade that payment is reminded Not, and payment is sent to the program member according to the prompting rank to remind；

If without departing from being optimized to the project platform, and initiate to deduct fees to the secondary of the program member after optimization.
The processing method 7. project according to claim 6 is paid the fees, which is characterized in that if the detection is within the grace period The payment account of the program member whether there is for the project historical data sub-step of deducting fees testing result be it is no, It performs the following operations:

It is determined according to the credit level of the program member to the program member and sends the prompting rank that payment is reminded；

Payment is sent to the program member according to the prompting rank to remind.
8. paying the fees processing method to project described in 7 any one according to claim 1, which is characterized in that the project includes: Mutual assistance mutual aid project；

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

The payment information includes: that the mutual assistance mutual aid member participates in the mutual assistance mutual aid generated in the mutual assistance mutual aid Project Process The contribution quota of case.
The processing method 9. project according to claim 8 is paid the fees, which is characterized in that described that project is participated according to program member Project details in the payment information that records, initiate to hold the step of deducting fees of the program member within the grace period of the project Before row, comprising:

It receives the mutual assistance mutual aid application that the mutual assistance mutual aid member initiates and generates corresponding mutual assistance mutual aid case；

Judge whether the corresponding mutual assistance mutual aid case of the mutual assistance mutual aid application is audited by case；

If so, according to the mutual assistance mutual aid case and each mutual assistance mutual aid case initiated in the project cycle of the mutual assistance mutual aid project The mutual assistance mutual aid amount of money, calculate the contribution quota for participating in all items member of the mutual assistance mutual aid project.
10. a kind of project payment processing unit characterized by comprising

Payment information acquiring unit is configured as obtaining program member's participation project from the project platform of carrying project operation Project details in the payment information that records；

It deducts fees unit, is configured as being initiated within the grace period that the program member participates in the project according to the payment information It deducts fees to the program member；

Matching unit, be configured as it is described deduct fees failure in the case where, judge program member item belonging to the project Whether the behavior characteristic information of mesh dimension is at least one of corresponding with payment tolerance member in the payment of project tolerance list Tolerance condition of paying the fees matching；

If mismatching, processing unit of clearing up and discharging is run；The processing unit of clearing up and discharging, is configured as the program member in the item Processing of clearing up and discharging is carried out in mesh.
The processing system 11. a kind of project is paid the fees characterized by comprising

Project server-side, program member's terminal；

The project server-side, project platform, data obtaining module, module of deducting fees, matching module including carrying project operation And processing module of clearing up and discharging；

The project platform is configured as carrying the operation of the project；

Data obtaining module is configured as obtaining the item that program member participates in the project from the project platform of carrying project operation The payment information recorded in mesh details；

The module of deducting fees was configured as according to the payment information within the grace period that the program member participates in the project Initiation deducts fees to the program member；

The matching module, be configured as it is described deduct fees failure in the case where, judge the program member in the project institute Whether the behavior characteristic information of category project dimension is corresponding at least with payment tolerance member in the payment of project tolerance list One payment tolerance condition matching；

If mismatching, processing module of clearing up and discharging is run；The processing module of clearing up and discharging, is configured as the program member in the item Processing of clearing up and discharging is carried out in mesh；

Program member's terminal is configured as having unique corresponding relation with the program member.
The processing system 12. project according to claim 11 is paid the fees, which is characterized in that if the operation knot of the matching module Fruit is matching, runs following module:

History credit information obtains module, is configured as obtaining the history credit information of the program member；

Credit level determining module is configured as determining the credit level of the program member based on the history credit information；

Credit level judgment module is configured as judging whether the credit level of the program member is higher than default credit level threshold Value；

If so, operation extended period determining module；The extended period determining module is configured as true based on the credit level The fixed grace period to the program member carries out the extended extended period；

Grace period extends module, is configured to determine that and extends according to grace period of the extended period to the program member The extension grace period afterwards, the grace period of the project is participated in as the program member.
The processing system 13. project according to claim 12 is paid the fees, which is characterized in that the project server-side, further includes:

Secondary module of deducting fees is configured as the end time node in the grace period of the project, is sent out based on the payment information It rises and deducts fees to the secondary of the program member；

Second clears up and discharges processing module, be configured as it is described it is secondary deduct fees failure in the case where, by the program member described Processing of clearing up and discharging is carried out in project；

Deduct fees and successfully remind sending module, be configured as it is described it is secondary deduct fees in successful situation, then to the program member Transmission is deducted fees and is successfully reminded.
The processing system 14. project according to claim 11 is paid the fees, which is characterized in that the payment tolerance condition, including It is at least one of following:

Credit level meets credit level threshold range, and the participation time for participating in the project, which meets, participates in time threshold range, The participation phase time for participating in the project meets participation phase subthreshold range.
The processing system 15. project according to claim 14 is paid the fees, which is characterized in that if the payment tolerance condition is letter Meet credit level threshold range with rank, correspondingly, the matching module, comprising:

Behavior characteristic information acquisition submodule is configured as obtaining program member project dimension belonging to the project Behavior characteristic information；

Credit level determines submodule, is configured as determining the credit grade of the program member based on the history credit information Not；

Credit level judging submodule, is configured as judging whether the credit level of the program member meets the credit level Threshold range；

If it is not, processing module of clearing up and discharging described in operation.
The processing system 16. project according to claim 15 is paid the fees, which is characterized in that if the credit level judges submodule The judging result of block is to meet, and runs following submodule:

Historical data of deducting fees detection sub-module, the payment account for being configured as detecting the program member within the grace period are It is no to there is the historical data of deducting fees for being directed to the project；

If it exists, deduct fees success rate computational submodule and success rate judging submodule of deducting fees are run；

The success rate computational submodule of deducting fees is configured as number and being deducted fees successfully secondary according to always deducting fees in the grace period Number, calculates the success rate of deducting fees in the grace period；

It is default to be configured as judging whether the success rate of deducting fees in the grace period exceeds for the success rate judging submodule of deducting fees It deducts fees threshold value；

If exceeding, sending submodule is reminded in operation payment；Sending submodule is reminded in the payment, is configured as according to the project The credit level of member, which is determined to the program member, sends the prompting rank that payment is reminded, and according to the prompting rank to institute It states program member and sends payment prompting；

If without departing from operation project platform optimizes submodule；The project platform optimizes submodule, is configured as to the project Platform optimizes, and initiates to deduct fees to the secondary of the program member after optimization.
17. 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:

The payment letter recorded in the project details that program member participates in the project is obtained from the project platform of carrying project operation Breath；

It is initiated within the grace period that the program member participates in the project to the program member's according to the payment information It deducts fees；

It is described deduct fees failure in the case where, judge the program member the affiliated project dimension of the project behavioural characteristic believe Breath at least one payment tolerance condition matching whether corresponding with payment tolerance member in the payment of project tolerance list；

If mismatching, the program member is subjected to processing of clearing up and discharging in the project.
18. 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 payment processing method of project described in claim 1 to 9 any one is realized when row.