CN113643041A - User repayment reminding method and device - Google Patents

User repayment reminding method and device Download PDF

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Publication number
CN113643041A
CN113643041A CN202110938885.XA CN202110938885A CN113643041A CN 113643041 A CN113643041 A CN 113643041A CN 202110938885 A CN202110938885 A CN 202110938885A CN 113643041 A CN113643041 A CN 113643041A
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amount
user
deposited
consumption
bank card
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Chinese (zh)
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党娜
刘洋
徐凯路
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Bank of China Ltd
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Bank of China Ltd
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a method and a device for reminding a user of repayment, which can be used in the field of distributed technology, and the method comprises the following steps: the method comprises the following steps: acquiring consumption data of a user at a first set time from a repayment date; according to the consumption data, predicting the consumption amount of the user within the first set time length; determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid; and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user. The invention can remind the user of repayment in time.

Description

User repayment reminding method and device
Technical Field
The invention relates to the field of distributed technologies, in particular to a user repayment reminding method and device.
Background
At present, a user regularly repays money every month, a bank generally sends a short message ahead to inform the user of depositing money in a bank card, the bank directly deducts corresponding money from the bank card of the user on the day of repayment, for the user, the user deposits money in advance to be the monthly repayment amount, but before the repayment day, the user can consume the money in the card for some reasons, the user unconsciously uses the repayment amount in the card, even the money in the card on the day of repayment is insufficient, the bank cannot successfully deduct money, the user credit investigation is influenced, and the experience is poor.
Disclosure of Invention
The embodiment of the invention provides a user repayment reminding method, which is used for reminding a user of repayment in time and comprises the following steps:
acquiring consumption data of a user at a first set time from a repayment date;
according to the consumption data, predicting the consumption amount of the user within the first set time length;
determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid;
and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user.
The embodiment of the invention provides a user repayment reminding device, which is used for reminding a user of repayment in time and comprises:
the consumption data acquisition module is used for acquiring consumption data of a user from a repayment date by a first set time length;
the prediction module is used for predicting the consumption amount of the user within the first set time length according to the consumption data;
the to-be-deposited amount determining module is used for determining a first to-be-deposited amount of the to-be-deposited bank card required to be deposited by the user according to the current amount of the to-be-deposited bank card, the consumption amount and the to-be-paid amount;
and the reminding information generating module is used for generating first reminding information of the amount to be deposited and sending the first reminding information to the user.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the user repayment reminding method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the user repayment reminding method.
In the embodiment of the invention, consumption data of a user from a first set time length of a repayment day is acquired; according to the consumption data, predicting the consumption amount of the user within the first set time length; determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid; and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user. In the process, the consumption amount of the user in the first set time length can be predicted, then the user is reminded of the first to-be-deposited amount of the to-be-deposited bank card, and the first to-be-deposited amount reserves the consumption fund of the user in the first set time length, so that the condition that the amount of money in the bank card is insufficient on the repayment day is avoided, and the purpose of timely reminding is achieved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flowchart illustrating a method for reminding a user of a payment due according to an embodiment of the present invention;
FIG. 2 is a detailed flowchart of a method for reminding a user of payment in an embodiment of the present invention;
FIG. 3 is a schematic diagram of a payment reminding apparatus for a user according to an embodiment of the present invention;
FIG. 4 is another schematic diagram of a user payment reminding device according to an embodiment of the present invention;
FIG. 5 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a flowchart of a method for reminding a user of payment in an embodiment of the present invention, as shown in fig. 1, the method includes:
step 101, acquiring consumption data of a user from a repayment date by a first set time length;
step 102, predicting the consumption amount of the user within the first set time length according to the consumption data;
103, determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid;
and 104, generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to a user.
In the embodiment, the consumption amount of the user in the first set time length can be predicted, then the user is reminded of the first to-be-deposited amount of the to-be-deposited bank card, and the first to-be-deposited amount reserves the consumption fund of the user in the first set time length, so that the condition that the amount of money in the bank card is insufficient on the repayment day is avoided, and the purpose of timely reminding is achieved.
In specific implementation, the first set time length may be one week or other time lengths, and the consumption data is based on consumption data of the bank card and can be obtained through statistics from a bank system.
In one embodiment, predicting the consumption amount of the user within the first set time according to the consumption data comprises:
performing linear analysis iteration on the consumption data by adopting the following formula until a preset iteration number is reached to obtain a predicted consumption amount:
Ft+1＝αXt+(1-α)Ft
wherein, Ft+1The predicted spending amount for the t +1 th time; xtIs consumption data; ftAn amount of spending for the t-th prediction; α is a smoothing coefficient.
In the above embodiment, the more iterations, the more accurate the prediction is; ft+1Is XtAnd FtWeighted average of, the larger alpha, Ft+1The greater the weight of (A), FtThe smaller the weight of (c), the more sensitive the prediction performance, and the faster the actual change can be reflected.
In an embodiment, the method further comprises:
and when the current amount of the bank card to be returned meets the repayment requirement, monitoring the bank card to be returned, and generating consumption amount control reminding information and sending the consumption amount control reminding information to the user when monitoring that the daily consumption amount of the bank card to be returned is larger than a preset threshold value.
In the above embodiment, the current amount of the bank card to be paid refers to an amount that the user can freely control, and the preset threshold may be determined according to actual situations, for example, when the amount of money consumed by the user is greater than one of the remaining days, for example, the amount of money that the user can control is 3000 yuan, and the distance to the repayment date is 4 days, the current consumption 3000/4 of the user is the set threshold, and when the amount of money consumed exceeds the set threshold 3000/4, a consumption amount control reminding message is generated, and the user is advised to control the amount of money consumed. Therefore, the method helps users to manage the balance in the card before the payment date, and prevents the insufficient bank card money amount when the payment date comes.
In an embodiment, the method further comprises:
when the time length is monitored to be the second set time length away from the repayment date and the current amount of the bank card to be repayed is smaller than the amount of money to be repayed, determining the second amount of money to be deposited, needing to be deposited, of the bank card to be repayed by the user, generating second amount of money to be deposited reminding information, and sending the second amount of money to be deposited reminding information to the user.
Through this warning, further prevent to the repayment day time, bank card money is not enough.
In one embodiment, the method further comprises: and adding the second amount to be deposited to the consumption data of the user.
And the subsequent consumption amount can be predicted by adding the consumption data into the consumption data.
Fig. 2 is a detailed flowchart of a method for reminding a user of payment in an embodiment of the present invention, as shown in fig. 2, including:
step 101, acquiring consumption data of a user from a repayment date by a first set time length;
102, performing linear analysis iteration on the consumption data until a preset iteration number is reached, and obtaining a predicted consumption amount;
103, determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid;
104, generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to a user;
step 105, monitoring the bank card to be returned when the current amount of the bank card to be returned meets the repayment requirement, generating consumption amount control reminding information when the daily consumption amount of the bank card to be returned is monitored to be larger than a preset threshold value, and sending the consumption amount control reminding information to a user;
step 106, when the time length from the second set time of the repayment date is monitored and the current amount of the bank card to be repayed is smaller than the amount of the bank card to be repayed, determining a second amount to be deposited of the bank card to be repayed, generating second amount to be deposited reminding information and sending the second amount to be deposited to the user;
step 107, adding the second amount to be deposited to the consumption data of the user.
In summary, in the method provided in the embodiment of the present invention, consumption data of a user from a repayment date by a first set duration is obtained; according to the consumption data, predicting the consumption amount of the user within the first set time length; determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid; and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user. In the process, the consumption amount of the user in the first set time length can be predicted, then the user is reminded of the first to-be-deposited amount of the to-be-deposited bank card, and the first to-be-deposited amount reserves the consumption fund of the user in the first set time length, so that the condition that the amount of money in the bank card is insufficient on the repayment day is avoided, and the purpose of timely reminding is achieved.
The embodiment of the invention also provides a user repayment reminding device, the principle of which is similar to that of the user repayment reminding method, and the description is omitted here.
Fig. 3 is a schematic view of a user payment reminding device in an embodiment of the present invention, as shown in fig. 3, including:
a consumption data obtaining module 301, configured to obtain consumption data of a user at a first set time from a repayment date;
the prediction module 302 is configured to predict a consumption amount of the user within the first set time according to the consumption data;
the to-be-deposited amount determining module 303 is configured to determine a first to-be-deposited amount of the to-be-deposited bank card, which the user needs to deposit, according to the current amount of the to-be-deposited bank card, the consumption amount and the to-be-paid amount;
and the reminding information generating module 304 is configured to generate a first reminding information of the amount to be deposited, and send the first reminding information to the user.
In one embodiment, the prediction module 302 is specifically configured to:
performing linear analysis iteration on the consumption data by adopting the following formula until a preset iteration number is reached to obtain a predicted consumption amount:
Ft+1＝αXt+(1-α)Ft
wherein, Ft+1The predicted spending amount for the t +1 th time; xtIs consumption data; ftAn amount of spending for the t-th prediction; α is a smoothing coefficient.
Fig. 4 is another schematic diagram of a user payment reminding apparatus according to an embodiment of the present invention, in an embodiment, the apparatus further includes a monitoring module 305, configured to: monitoring the bank card to be returned when the current amount of the bank card to be returned meets the repayment requirement, and generating consumption amount control reminding information when the monitored daily consumption amount of the bank card to be returned is larger than a preset threshold value;
the reminding information generating module is also used for: and sending the consumption amount control reminding information to the user.
In one embodiment, the monitoring module is further configured to: when the monitoring is carried out for a second set time length away from the repayment date and the current amount of the bank card to be repayed is smaller than the amount of the bank card to be repayed, determining a second amount to be deposited, which is required by the user, of the bank card to be repayed;
the reminding information generating module is also used for: and generating second to-be-deposited amount reminding information and sending the second to-be-deposited amount reminding information to the user.
In an embodiment, the consumption data obtaining module is further configured to: and adding the second amount to be deposited to the consumption data of the user.
In summary, in the apparatus provided in the embodiment of the present invention, consumption data of a user from a repayment date by a first set duration is obtained; according to the consumption data, predicting the consumption amount of the user within the first set time length; determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid; and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user. In the process, the consumption amount of the user in the first set time length can be predicted, then the user is reminded of the first to-be-deposited amount of the to-be-deposited bank card, and the first to-be-deposited amount reserves the consumption fund of the user in the first set time length, so that the condition that the amount of money in the bank card is insufficient on the repayment day is avoided, and the purpose of timely reminding is achieved.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the user payment reminding method in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices such as server-side devices, detection devices, and user-side devices;
the processor 501 is configured to call the computer program in the memory 502, and when the processor executes the computer program, the processor implements all the steps of the user payment reminding method in the above embodiments.
An embodiment of the present invention further provides a computer-readable storage medium, which can implement all the steps in the user payment reminding method in the foregoing embodiment, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements all the steps of the user payment reminding method in the foregoing embodiment.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1. A user repayment reminding method is characterized by comprising the following steps:
acquiring consumption data of a user at a first set time from a repayment date;
according to the consumption data, predicting the consumption amount of the user within the first set time length;
determining a first to-be-deposited amount of the bank card to be deposited by the user according to the current amount of the bank card to be deposited, the consumption amount and the amount to be paid;
and generating first to-be-deposited amount reminding information and sending the first to-be-deposited amount reminding information to the user.
2. The method for reminding a user of repayment according to claim 1, wherein predicting the amount of the user's consumption within the first set time period based on the consumption data comprises:
performing linear analysis iteration on the consumption data by adopting the following formula until a preset iteration number is reached to obtain a predicted consumption amount:
Ft+1＝αXt+(1-α)Ft
wherein, Ft+1The predicted spending amount for the t +1 th time; xtIs consumption data; ftAn amount of spending for the t-th prediction; α is a smoothing coefficient.
3. The method for reminding a user of repayment according to claim 1, further comprising:
and when the current amount of the bank card to be returned meets the repayment requirement, monitoring the bank card to be returned, and generating consumption amount control reminding information and sending the consumption amount control reminding information to the user when monitoring that the daily consumption amount of the bank card to be returned is larger than a preset threshold value.
4. The method for reminding a user of repayment according to claim 3, further comprising:
when the time length is monitored to be the second set time length away from the repayment date and the current amount of the bank card to be repayed is smaller than the amount of money to be repayed, determining the second amount of money to be deposited, needing to be deposited, of the bank card to be repayed by the user, generating second amount of money to be deposited reminding information, and sending the second amount of money to be deposited reminding information to the user.
5. The method for reminding a user of repayment according to claim 4, further comprising: and adding the second amount to be deposited to the consumption data of the user.
6. A user repayment reminding device, comprising:
the consumption data acquisition module is used for acquiring consumption data of a user from a repayment date by a first set time length;
the prediction module is used for predicting the consumption amount of the user within the first set time length according to the consumption data;
the to-be-deposited amount determining module is used for determining a first to-be-deposited amount of the to-be-deposited bank card required to be deposited by the user according to the current amount of the to-be-deposited bank card, the consumption amount and the to-be-paid amount;
and the reminding information generating module is used for generating first reminding information of the amount to be deposited and sending the first reminding information to the user.
7. The user payment reminder device of claim 6, wherein the prediction module is specifically configured to:
performing linear analysis iteration on the consumption data by adopting the following formula until a preset iteration number is reached to obtain a predicted consumption amount:
Ft+1＝αXt+(1-α)Ft
wherein, Ft+1The predicted spending amount for the t +1 th time; xtIs consumption data; ftAn amount of spending for the t-th prediction; α is a smoothing coefficient.
8. The user payment reminder device of claim 6, further comprising a monitoring module configured to: monitoring the bank card to be returned when the current amount of the bank card to be returned meets the repayment requirement, and generating consumption amount control reminding information when the monitored daily consumption amount of the bank card to be returned is larger than a preset threshold value;
the reminding information generating module is also used for: and sending the consumption amount control reminding information to the user.
9. The user payment reminder of claim 8, wherein the monitoring module is further configured to: when the monitoring is carried out for a second set time length away from the repayment date and the current amount of the bank card to be repayed is smaller than the amount of the bank card to be repayed, determining a second amount to be deposited, which is required by the user, of the bank card to be repayed;
the reminding information generating module is also used for: and generating second to-be-deposited amount reminding information and sending the second to-be-deposited amount reminding information to the user.
10. The user payment reminder of claim 9, wherein the consumption data obtaining module is further configured to: and adding the second amount to be deposited to the consumption data of the user.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
CN202110938885.XA 2021-08-16 2021-08-16 User repayment reminding method and device Pending CN113643041A (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101483531A (en) * 2008-10-16 2009-07-15 北京四达时代软件技术股份有限公司 Method and system for prediction type account balance alarm
CN111050008A (en) * 2019-12-12 2020-04-21 北京金山云网络技术有限公司 Account balance reminding method and device, electronic equipment and storage medium

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101483531A (en) * 2008-10-16 2009-07-15 北京四达时代软件技术股份有限公司 Method and system for prediction type account balance alarm
CN111050008A (en) * 2019-12-12 2020-04-21 北京金山云网络技术有限公司 Account balance reminding method and device, electronic equipment and storage medium

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