CN112116440A

Movatterモバイル変換

Info

Publication number: CN112116440A
Application number: CN202011004354.5A
Authority: CN
Inventors: 张萍萍
Original assignee: Zhuquanwang Wuhan Technology Co ltd
Current assignee: Zhuquanwang Wuhan Technology Co ltd
Priority date: 2020-09-22
Filing date: 2020-09-22
Publication date: 2020-12-22

Abstract

The invention discloses a payment reminding method, a payment reminding device and a storage medium, wherein the method acquires a payment list of a client and acquires a preset payment period corresponding to the payment list; sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence; acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer; the efficiency of financial management can be improved, the speed and the timeliness of reminding of paying fees are promoted, the condition that the wrong payment and the missed payment are paid is avoided, the client is effectively reminded within a proper time limit, and the normal operation of client services is guaranteed.

Description

Payment reminding method, device, equipment and storage medium

Technical Field

The invention relates to the technical field of data processing, in particular to a payment reminding method, a payment reminding device, payment reminding equipment and a storage medium.

Background

Along with the improvement of life rhythm and life quality, various human activities of a clothing eating and housing department in life can generate various payment behaviors, the conventional payment reminding mode generally directly loses the related use rights and interests of a payment project when the project needing to be paid does not pay related fees on time, so that the inconvenience of a user is greatly caused, and when more payment projects are provided for objects such as schools or companies, related payment reminding can be performed by manually checking a plurality of payment accounts, so that the financial management service efficiency is greatly influenced, the payment reminding speed is reduced, and the normal operation of personal or unit business is influenced under the condition of wrong payment or missed payment.

Disclosure of Invention

The invention mainly aims to provide a payment reminding method, a payment reminding device, payment reminding equipment and a storage medium, and aims to solve the technical problems that in the prior art, the payment reminding labor cost is high, the payment reminding is not timely, the condition of wrong payment or missed payment exists, and the normal operation of customer services is influenced.

In a first aspect, the present invention provides a payment reminding method, including the following steps:

acquiring a payment list of a client, and acquiring a preset payment period corresponding to the payment list;

sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence;

and acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer.

Optionally, the acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer includes:

acquiring single payment cost of each payment item, and determining optimal payment time according to the single payment cost and the preset payment time limit;

and acquiring a preset display mode, generating a payment scheme of each payment project according to the optimal payment time, the payment sequence and the preset display mode, and pushing the payment scheme to the customer.

Optionally, the acquiring a preset display mode, generating a payment scheme for each payment item according to the optimal payment time, the payment sequence and the preset display mode, and pushing the payment scheme to the customer includes:

and acquiring a preset display mode, generating payment schemes of all payment items by the optimal payment time and the payment sequence in the calendar display mode when the preset display mode is calendar display, and pushing the payment schemes to the customer.

Optionally, the obtaining of the preset display mode generates a payment scheme of each payment item according to the payment sequence and the preset display mode, and after the payment scheme is pushed to the customer, the payment reminding method further includes:

acquiring a preset payment recovery period and a preset payment allowance period from the payment list, monitoring payment data of the customer in real time, and determining non-payment items of the customer according to the payment data;

and determining a preset reminding period according to the preset payment allowance time limit and the preset payment recovery time limit, and carrying out payment reminding on the non-payment projects in the preset reminding period.

Optionally, the determining a preset reminding cycle according to the preset payment grace period and the preset payment recovery period, and performing payment reminding on the non-payment item in the preset reminding cycle includes:

acquiring identity information of the client, and registering a user node for the client according to the identity information, wherein the user node is a private chain node;

acquiring attribute information of a service provider, and registering a payment management node according to the attribute information of the service provider, wherein the payment management node is a public link node;

monitoring the user nodes through the payment management node, and updating the monitored user node information to a payment system block chain;

acquiring historical payment conditions and corresponding timestamp information of the customer through the payment system blockchain, and determining the payment habits of the customer according to the historical payment conditions and the timestamp information;

determining a preset reminding period according to the payment habit, the preset payment allowance time limit and the preset payment recovery time limit;

and carrying out payment reminding on the unpaid items in the preset reminding period.

Optionally, the paying reminding for the unpaid item in the preset reminding period includes:

acquiring communication association information of the client and a preset pushing rule of the client;

and carrying out payment reminding on the client in the preset reminding period according to the preset pushing rule and the communication associated information.

Optionally, the method for reminding payment further includes, after determining a preset reminding period according to the preset payment grace period and the preset payment recovery period and carrying out payment reminding on the unpaid items in the preset reminding period, that:

after receiving the payment confirmation message, determining whether the fund balance is not less than the current payment amount of the payment item in the customer fund account;

when the fund balance is not less than the current payment amount, corresponding expenses are directly deducted from the client fund account to pay for the payment item;

and when the fund balance is smaller than the current payment amount, generating an account amount shortage prompt, and sending the account amount shortage prompt to the client.

Optionally, after obtaining a single payment cost of each payment item and determining an optimal payment time according to the single payment cost and the preset payment time limit, the payment reminding method further includes:

acquiring the payment amount of each payment item from the capital cost of the single payment cost, and calculating the share proportion of the payment amount in the special payment capital of the customer;

and when the share proportion is greater than the preset share proportion, generating a payment proportion standard exceeding prompt to the customer so as to enable the customer to determine whether to pay the payment project.

Optionally, after the payment time of each payment item in the payment list is sorted according to the preset payment period and a payment sequence is obtained, the payment reminding method further includes:

the method comprises the steps of obtaining a plurality of payment keywords of each payment project, and searching a technical importance ratio corresponding to the payment keywords in a preset keyword database;

when the technical importance ratio is smaller than a preset importance ratio, taking the payment item as a non-important payment item;

generating an unimportant item payment reminder corresponding to the unimportant payment item, and sending the unimportant payment item payment reminder to the customer so as to enable the customer to determine whether to pay for the unimportant payment item.

In a second aspect, the present invention further provides a payment reminding device, including:

the system comprises a time limit determining module, a time limit determining module and a payment processing module, wherein the time limit determining module is used for acquiring a payment list of a client and acquiring a preset payment time limit corresponding to the payment list;

the ordering module is used for ordering the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence;

and the scheme generation module is used for acquiring a preset display mode, generating payment schemes of all payment projects according to the payment sequence and the preset display mode, and pushing the payment schemes to the customer.

In a third aspect, the present invention further provides a payment reminding device, where the payment reminding device includes: the system comprises a memory, a processor and a payment reminding program which is stored on the memory and can run on the processor, wherein the payment reminding program is configured to realize the steps of the payment reminding method.

In a fourth aspect, the present invention further provides a storage medium, where a payment reminding program is stored on the storage medium, and the payment reminding program, when executed by the processor, implements the steps of the payment reminding method described above.

The invention provides a payment reminding method, which comprises the steps of acquiring a payment list of a client and acquiring a preset payment period corresponding to the payment list; sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence; acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer; the efficiency of financial management can be improved, the speed and the timeliness of reminding of paying fees are promoted, the condition that the wrong payment and the missed payment are paid is avoided, the client is effectively reminded within a proper time limit, and the normal operation of client services is guaranteed.

Drawings

FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart of a payment reminding method according to a first embodiment of the present invention;

FIG. 3 is a schematic flow chart of a payment reminding method according to a second embodiment of the present invention;

FIG. 4 is a schematic flow chart of a payment reminding method according to a third embodiment of the present invention;

FIG. 5 is a schematic flow chart of a payment reminding method according to a fourth embodiment of the present invention;

FIG. 6 is a schematic flow chart of a payment reminding method according to a fifth embodiment of the present invention;

FIG. 7 is a flowchart illustrating a payment reminding method according to a sixth embodiment of the present invention;

FIG. 8 is a schematic flow chart of a payment reminding method according to a seventh embodiment of the present invention;

FIG. 9 is a schematic flow chart of an eighth embodiment of a payment reminding method according to the present invention;

fig. 10 is a functional block diagram of a payment reminding apparatus according to a first embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

The solution of the embodiment of the invention is mainly as follows: the method comprises the steps of obtaining a payment list of a client and obtaining a preset payment period corresponding to the payment list; sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence; acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer; the efficiency of financial management can be improved, the speed and the timeliness of payment reminding are improved, the condition that payment is wrongly paid and is missed is avoided, effective reminding is carried out on a client within a proper time limit, normal operation of client services is guaranteed, the technical problems that labor consumption is large in payment reminding in the prior art, payment reminding is not timely, the condition that payment is wrongly paid or missed is caused, and normal operation of client services is influenced are solved.

Referring to fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.

As shown in fig. 1, the apparatus may include: aprocessor 1001, such as a CPU, acommunication bus 1002, auser side interface 1003, anetwork interface 1004, and amemory 1005. Wherein acommunication bus 1002 is used to enable connective communication between these components. Theuser interface 1003 may include a Display (Display), an input unit such as a Keyboard (Keyboard), and theoptional user interface 1003 may include a standard wired interface, a wireless interface. Thenetwork interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., a Wi-Fi interface). TheMemory 1005 may be a high-speed RAM Memory or a Non-Volatile Memory (Non-Volatile Memory), such as a disk Memory. Thememory 1005 may alternatively be a storage device separate from theprocessor 1001.

Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 is not intended to be limiting of the apparatus and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

As shown in fig. 1, thememory 1005 as a storage medium may include an operating device, a network communication module, a client interface module, and a payment reminding program.

The device calls a payment reminding program stored in amemory 1005 through aprocessor 1001, and executes the following operations:

Further, theprocessor 1001 may call the payment reminding program stored in thememory 1005, and further perform the following operations:

According to the scheme, the payment list of the customer is obtained, and the preset payment time limit corresponding to the payment list is obtained; sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence; acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer; the efficiency of financial management can be improved, the speed and the timeliness of reminding of paying fees are promoted, the condition that the wrong payment and the missed payment are paid is avoided, the client is effectively reminded within a proper time limit, and the normal operation of client services is guaranteed.

Based on the hardware structure, the embodiment of the payment reminding method is provided.

Referring to fig. 2, fig. 2 is a schematic flow chart of a payment reminding method according to a first embodiment of the present invention.

In a first embodiment, the payment reminding method includes the following steps:

and step S10, acquiring a payment list of the customer, and acquiring a preset payment period corresponding to the payment list.

It should be noted that the payment list is an item summary list including various payment items, and the payment list may be obtained through a keyword query, for example, a company name, a person name, and other technical terms, which are used as keywords, or may be obtained through other manners, for example, through a preset index query, which is not limited in this embodiment; the corresponding payment period, the payment width limit period and the payment recovery period of each payment item in the payment list; the payment grace period is a corresponding payment item grace period, different payment items correspond to different grace periods, normal operation of customer services can be guaranteed by payment within the grace period, the preset payment recovery period is a corresponding payment item restorable period, different payment items correspond to different recovery periods, payment can be performed on payment items which are not paid for in an overdue period within the recovery periods, and related customer services are restored; it is also possible that there is a payment item without a corresponding grace period and recovery period, which is determined according to the relevant regulations of the actual payment item, and the payment list is processed with a preset payment period, a preset payment grace period, and a preset payment recovery period, and may also include other periods and payment data, which is not limited in this embodiment.

And step S20, sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence.

It should be understood that the advance payment time of each payment item can be determined according to the preset payment period, and the order of the payment time, that is, the payment order, can be obtained by sequencing the payment time.

And step S30, acquiring a preset display mode, generating payment schemes of all payment projects according to the payment sequence and the preset display mode, and pushing the payment schemes to the customer.

It can be understood that the preset display mode is a preset display mode, and may be a display mode selected and determined by a display mode of a client, a default display mode, or a display mode preset by another mode, for example, a display mode randomly selected from a preset display mode database is used as the preset display mode, or a display mode matched with a current client is found from the preset display mode database is used as the preset display mode, and a matching condition may be set by itself, which is not limited in this embodiment; the corresponding payment items can be arranged according to the payment sequence in a certain order, and then a payment scheme of the payment items is generated according to the arranged order and the display mode, the payment scheme can be pushed to the client after being generated, message pushing information can be sent to the client, the message pushing information is pushed to the client after confirmation information of the client is received, the message pushing information can be directly sent to a payment client of the client, the message pushing information can also be sent to a communication terminal appointed by the client, and the client can also be informed in other modes, such as being sent to a cloud account of the client.

According to the scheme, the payment list of the customer is obtained, and the preset payment time limit corresponding to the payment list is obtained; sequencing the payment time of each payment item in the payment list according to the preset payment period to obtain a payment sequence; acquiring a preset display mode, generating a payment scheme of each payment item according to the payment sequence and the preset display mode, and pushing the payment scheme to the customer; acquiring a preset payment recovery period and a preset payment allowance period from the payment list, monitoring payment data of the customer in real time, and determining non-payment items of the customer according to the payment data; determining a preset reminding period according to the preset payment allowance time limit and the preset payment recovery time limit, and carrying out payment reminding on the unpaid items in the preset reminding period; the efficiency of financial management can be improved, the speed and the timeliness of reminding of paying fees are promoted, the condition that the wrong payment and the missed payment are paid is avoided, the client is effectively reminded within a proper time limit, and the normal operation of client services is guaranteed.

Further, fig. 3 is a schematic flow chart of a second embodiment of the payment reminding method of the present invention, and as shown in fig. 3, the second embodiment of the payment reminding method of the present invention is proposed based on the first embodiment, in this embodiment, the step S30 specifically includes the following steps:

step S31, acquiring single payment cost of each payment project, and determining the optimal payment time according to the single payment cost and the preset payment time limit.

It should be noted that the single payment cost includes labor cost and handling cost of single payment, and the time of the most-saved payment cost of each payment item can be calculated and obtained through the single payment cost and the preset payment time limit, that is, the time of the lowest labor cost and handling cost of payment of the payment items is used as the optimal payment time.

And step S32, generating payment schemes of all payment items according to the optimal payment time and the payment sequence, and pushing the payment schemes to the customer.

It can be understood that after the optimal payment time of each payment item is determined, the payment sequence and the payment date of each payment item can be determined in combination with the payment sequence, so as to generate a corresponding payment scheme, and the payment scheme is pushed to the customer, so that the customer knows and refers to the payment scheme, and performs related payment operations according to the customer's will.

Further, the step S32 specifically includes the following steps:

It can be understood that the preset display mode can be calendar display, that is, the optimal payment time and the payment sequence are combined in a calendar mode to generate the payment scheme of each payment item displayed in the calendar mode, and after the payment scheme is pushed to the customer, the customer can know the payment condition of each payment item more clearly and visually, so that the customer can arrange and manage the payment plan of the customer, the management efficiency of the payment items is improved, and the normal operation of the customer service is ensured.

According to the scheme, the optimal payment time is determined according to the single payment cost and the preset payment time limit by acquiring the single payment cost of each payment item; according to the optimal payment time and the payment sequence, payment schemes of all payment items are generated and pushed to the client, so that the payment cost of the client can be greatly saved, the client can know the overall situation of the payment items through pushing of the payment schemes, the payment is reasonably arranged, the payment efficiency is improved, the situations of wrong payment and missed payment are avoided, the client is effectively reminded within a proper time limit, and the normal operation of client services is guaranteed.

Further, fig. 4 is a schematic flow chart of a third embodiment of the payment reminding method of the present invention, and as shown in fig. 3, the third embodiment of the payment reminding method of the present invention is proposed based on the first embodiment, and in this embodiment, after step S30, the payment reminding method further includes the following steps:

step S40, acquiring a preset payment recovery period and a preset payment allowance period from the payment list, monitoring the payment data of the customer in real time, and determining the non-payment items of the customer according to the payment data.

It should be noted that the payment list is a project summary list including various payment projects, and the payment list includes a corresponding payment term for each payment project, a payment allowance term and a payment recovery term; the payment grace period is a corresponding payment item grace period, different payment items correspond to different grace periods, normal operation of customer services can be guaranteed by payment within the grace period, the preset payment recovery period is a corresponding payment item restorable period, different payment items correspond to different recovery periods, payment can be performed on payment items which are not paid for in an overdue period within the recovery periods, and related customer services are restored; it is also possible that there is a payment item without a corresponding grace period and recovery period, which is determined according to the relevant regulations of the actual payment item, and the payment list is processed with a preset payment period, a preset payment grace period, and a preset payment recovery period, and may also include other periods and payment data, which is not limited in this embodiment.

It should be understood that the payment data is data generated by the payment behavior of the customer, and payment items corresponding to the payment data can be obtained in time by detecting the payment data of the customer in real time, so that the payment items and non-payment items in the payment items of the customer are determined.

Step S50, determining a preset reminding period according to the preset payment allowance time limit and the preset payment recovery time limit, and carrying out payment reminding on the non-payment items in the preset reminding period.

It can be understood that a preset reminding period can be determined according to the preset payment grace period and the preset payment recovery period, the preset reminding period can contain a plurality of reminding dates, and the payment reminding can be periodically performed on the unpaid items to the client through the preset reminding period, so that the client can be reasonably and timely reminded when not paying on time, and the client is provided with an opportunity for recovering the normal operation of the corresponding service.

According to the scheme, the payment data of the customer are monitored in real time by acquiring the preset payment recovery period and the preset payment allowance period from the payment list, and the unpaid items of the customer are determined according to the payment data; the method comprises the steps of determining a preset reminding period according to the preset payment limit period and the preset payment recovery period, and carrying out payment reminding on an unpaid project in the preset reminding period, so that the payment cost of a customer can be greatly saved, the customer can know the global condition of the payment project through the pushing of a payment scheme, the payment is reasonably arranged, the payment efficiency is improved, the conditions of payment error and payment omission are avoided, the customer is effectively reminded within a proper period, and the normal operation of customer services is ensured.

Further, fig. 5 is a schematic flow chart of a fourth embodiment of the payment reminding method of the present invention, and as shown in fig. 5, the fourth embodiment of the payment reminding method of the present invention is proposed based on the third embodiment, in this embodiment, the step S50 specifically includes the following steps:

step S51, obtaining the identity information of the client, registering a user node for the client according to the identity information, wherein the user node is a private chain node.

It should be noted that the identity information is information for performing identity identification and authentication on a client, a user node can be registered for the client through the identity information, and the user node is a private link node, that is, a node only open to the client; the obtaining of the identity information of the client may be obtaining the identity information of the client by sending an information registration table to the client in a similar form, or obtaining the identity information by calling the existing client data of the client, or of course, obtaining the identity information by other ways, for example, searching the database for data corresponding to the client ID to determine the identity information, which is not limited in this embodiment.

And step S52, acquiring attribute information of the service provider, and registering a payment management node according to the attribute information of the service provider, wherein the payment management node is a public link node.

It can be understood that the service provider is a payment reminding mechanism corresponding to the customer and is configured to provide a payment reminding service for the customer, the service provider attribute information is identity information of the service provider, a payment management node corresponding to the service provider can be registered through the service provider attribute information, and the payment management node is a public link node, that is, an open node for the customer and the service provider.

And step S53, monitoring the user nodes through the payment management node, and updating the monitored user node information to a payment system block chain.

It should be understood that the charging system block chain is a block chain corresponding to a charging management system, and the charging management node can monitor the user node and obtain the relevant information of the user node, that is, the user node information in real time, so as to synchronously update the user node information to the charging system block chain.

Step S54, obtaining the historical payment condition of the customer and the corresponding timestamp information through the payment system blockchain, and determining the payment habit of the customer according to the historical payment condition and the timestamp information.

It should be understood that the historical payment condition is a historical payment record of the customer recorded by the payment system block chain, and correspondingly, the historical payment condition corresponds to details of each payment and corresponding time, namely timestamp information, and the payment habit of the customer can be determined by analyzing the historical payment condition and the timestamp information.

And step S55, determining a preset reminding period according to the payment habit, the preset payment allowance time limit and the preset payment recovery time limit.

It can be understood that a payment reminding cycle which accords with the customer payment habit and meets the preset payment grace period and the preset payment recovery period can be determined as a preset reminding cycle according to the payment habit, the preset payment grace period and the preset payment recovery period, and personalized attentive payment reminding service is provided for customers.

And step S56, carrying out payment reminding on the unpaid items in the preset reminding period.

It should be understood that, in the preset reminding period, corresponding payment reminding can be performed on the unpaid items of the customer according to preset reminding time, of course, only some unpaid items are classified as unpaid items, and of course, other setting can be performed to distinguish between the paid items and the unpaid items, which is not limited in this embodiment.

According to the scheme, the user node is registered for the client according to the identity information by acquiring the identity information of the client, and the user node is a private link node; acquiring attribute information of a service provider, and registering a payment management node according to the attribute information of the service provider, wherein the payment management node is a public link node; monitoring the user nodes through the payment management node, and updating the monitored user node information to a payment system block chain; acquiring historical payment conditions and corresponding timestamp information of the customer through the payment system blockchain, and determining the payment habits of the customer according to the historical payment conditions and the timestamp information; determining a preset reminding period according to the payment habit, the preset payment allowance time limit and the preset payment recovery time limit; the method comprises the steps that payment reminding is carried out on the non-payment items in the preset reminding period, payment reminding can be carried out on a client more accurately at reasonable and proper time, targeted humanized service is provided, so that the payment reminding is more consistent with the payment habit and behavior of the user, the payment efficiency is improved, the situations of wrong payment and missed payment are avoided, effective reminding is carried out on the client within a proper time limit, and normal operation of client services is guaranteed.

Further, fig. 6 is a schematic flow chart of a fifth embodiment of the payment reminding method of the present invention, and as shown in fig. 6, the fifth embodiment of the payment reminding method of the present invention is proposed based on the fourth embodiment, in this embodiment, the step S56 specifically includes the following steps:

step S561, obtaining the communication association information of the client and the preset push rule of the client.

It should be noted that the communication related information of the client is a related communication account for contacting the client, the communication related information includes contact ways of various clients, the communication related information may include communication APP account information of the user, such as QQ, nail, WeChat, and the like, and may also include mailbox account information of the user, and certainly may also include other communication related information, such as a mobile phone number of the user, a fixed phone, and the like, which is not limited in this embodiment; the preset pushing rule is a preset payment reminding pushing rule, and the preset pushing rule may be a preset default rule, or a pushing rule adjusted by adjustment information of a customer, or a pushing rule automatically selected in different scenes according to different time periods, which is not limited in this embodiment.

Step S562, according to the preset pushing rule and the communication association information, payment reminding is carried out on the client in the preset reminding period.

It can be understood that after the preset pushing rule is determined, the payment reminding can be pushed to the customer according to the preset pushing rule set by the communication association information case in a preset reminding period, for example, one or more pushing modes can be selected in the preset reminding period to directionally push or comprehensively push the payment reminding, so that the payment reminding is specifically carried out on the customer, and personalized payment reminding service is provided for the customer.

According to the scheme, the communication association information of the client and the preset push rule of the client are obtained; and carrying out payment reminding on the client in the preset reminding period according to the preset pushing rule and the communication associated information, and carrying out payment reminding on the client in a targeted manner so as to provide personalized payment reminding service for the client.

Further, fig. 7 is a schematic flow chart of a payment reminding method according to a sixth embodiment of the present invention, and as shown in fig. 7, the payment reminding method according to the sixth embodiment of the present invention is proposed based on the third embodiment, in this embodiment, after step S50, the payment reminding method further includes the following steps:

step S60, after receiving the payment confirmation message, determining whether the fund balance is not less than the current payment amount of the payment item in the customer fund account.

It should be noted that the payment confirmation message is a payment confirmation message sent by the customer to the service provider, that is, the payment scheme is approved, so that the payment is performed according to the payment scheme, the customer fund account is an account that is not set for the payment of the payment item by the customer, and after receiving the payment confirmation message, the service provider can directly confirm whether the fund balance is enough to pay the current payment amount in the customer fund account.

And step S70, when the fund balance is not less than the current payment amount, directly deducting corresponding fees from the client fund account to pay for the payment item.

It can be understood that, when the fund balance is not less than the current payment amount, that is, the fund amount is enough to pay the current payment amount, the corresponding fee can be directly deducted from the customer fund account to pay the payment item.

And step S80, when the fund balance is smaller than the current payment amount, generating an account amount shortage reminder, and sending the account amount shortage reminder to the client.

It should be understood that, when the fund balance is less than the current payment amount, that is, the fund amount is not enough to pay the current payment amount, an account amount shortage reminder needs to be generated and sent to the customer, so as to remind the customer to perform operations such as account recharging or direct payment, which is not limited in this embodiment.

According to the scheme, after the payment confirmation message is received, whether the fund balance is not less than the current payment amount of the payment item is determined in the customer fund account; when the fund balance is not less than the current payment amount, corresponding expenses are directly deducted from the client fund account to pay for the payment item; when the fund balance is smaller than the current payment amount, generating an account amount shortage reminder, and sending the account amount shortage reminder to the customer, so that smooth payment of the customer can be ensured, when the fund account amount of the customer is sufficient, the payment operation is directly carried out, the payment speed and efficiency are improved, and the normal operation of customer service is ensured.

Further, fig. 8 is a schematic flow chart of a payment reminding method according to a seventh embodiment of the present invention, and as shown in fig. 8, the payment reminding method according to the seventh embodiment of the present invention is proposed based on the second embodiment, in this embodiment, after step S31, the payment reminding method further includes the following steps:

step S311, obtaining the payment amount of each payment item from the capital cost of the single payment cost, and calculating the share proportion of the payment amount in the special payment capital of the customer.

It should be noted that the special payment fund is a payment amount value preset by the customer and used for payment of a related payment project, the total amount of all fees to be paid in each payment project, namely the payment amount, can be obtained through the single payment cost, and the proportion of the payment amount in the special payment fund of the customer can be determined by calculating the ratio of the payment amount to the special payment fund.

And S312, when the share proportion is greater than the preset share proportion, generating a payment proportion standard exceeding prompt to the customer so that the customer can determine whether to pay the payment project.

The method and the system have the advantages that the preset share proportion is the share proportion preset by a client or a service provider, when the share proportion is larger than the preset share proportion, a payment proportion standard exceeding prompt is generated, and the payment proportion standard exceeding prompt is sent to the client, so that the client determines whether to pay the payment items, the situation that the payment items are wrongly paid due to the fact that a payment list provided by the client is wrong is further avoided, fund safety of the user is greatly guaranteed, and payment experience of the client is improved.

According to the scheme, the payment amount of each payment item is obtained from the capital cost of the single payment cost, and the share proportion of the payment amount in the special payment capital of the customer is calculated; when the share proportion is greater than a preset share proportion, generating a payment proportion standard exceeding prompt to the customer so as to enable the customer to determine whether to pay the payment project; therefore, the situation that the payment item is wrongly paid due to the fact that the payment list provided by the customer is wrong is avoided, the fund safety of the customer is greatly guaranteed, and the payment experience of the customer is improved.

Further, fig. 9 is a schematic flow chart of an eighth embodiment of the payment reminding method of the present invention, and as shown in fig. 9, the eighth embodiment of the payment reminding method of the present invention is proposed based on the first embodiment, and in this embodiment, after step S20, the payment reminding method further includes the following steps:

step S21, a plurality of payment keywords of each payment project are obtained, and the technical importance ratios corresponding to the payment keywords are searched in a preset keyword database.

It should be noted that the payment keyword may be one or more, the payment keyword is a keyword extracted from the related information of each payment item, the preset keyword database is a database which is preset and is composed of related keywords of payment items which need to be developed by the client in a targeted manner, the technical importance ratio corresponding to the payment keywords can be obtained by matching the payment keywords with the preset keyword database, namely the number of words matched with the payment keywords in the preset keywords, so that the ratio of the total number of words of the payment keywords to the total number of words of the payment keywords is used as a technical importance ratio, of course, the technical importance ratio may also be determined in other manners, for example, by adding a preset weight to the algorithm to obtain the technical importance ratio, which is not limited in this embodiment.

And step S22, when the technical importance ratio is smaller than a preset importance ratio, taking the payment item as a non-important payment item.

It can be understood that the preset importance ratio is a preset importance ratio threshold, and the technical importance ratio is compared with the preset importance ratio to determine the size relationship between the two, so that the payment items with lower technical importance are screened out as the non-important payment items.

Step S23, generating an unimportant item payment reminder corresponding to the unimportant payment item, and sending the unimportant payment item payment reminder to the customer so that the customer can determine whether to pay for the unimportant payment item.

It should be understood that after the non-important payment item is determined, corresponding reminding information, that is, a non-important item payment reminder, may be generated, and the non-important item payment reminder is sent to the customer, so that the customer may decide whether to pay for the non-important payment item.

In a specific implementation, if the customer is not an individual, a large number of items to be paid may be accumulated over time, some of the items may be unimportant items which are contrary to or deviated from the overall existing plan of the enterprise or unit, and if the unimportant items are not subjected to payment management, a large amount of payment fee may be generated, which may affect the capital cost of the customer, and seriously even hinder the development of the enterprise or unit, so that it is necessary to screen the unimportant payment items and remind the customer of performing a targeted payment operation.

According to the scheme, a plurality of payment keywords of each payment project are obtained, and the technical importance ratios corresponding to the payment keywords are searched in a preset keyword database; when the technical importance ratio is smaller than a preset importance ratio, taking the payment item as a non-important payment item; generating an unimportant item payment reminder corresponding to the unimportant payment item, and sending the unimportant payment item payment reminder to the customer so as to enable the customer to determine whether to pay for the unimportant payment item; the method can avoid the waste of the client fund, ensure the reasonable application of the client fund, improve the efficiency of financial management and ensure the normal operation of client business.

Correspondingly, the invention further provides a payment reminding device.

Referring to fig. 10, fig. 10 is a functional block diagram of a payment reminding device according to a first embodiment of the present invention.

In a first embodiment of the payment reminding device of the present invention, the payment reminding device includes:

theterm determining module 10 is configured to obtain a payment list of a customer, and obtain a preset payment term corresponding to the payment list.

And thesequencing module 20 is configured to sequence the payment time of each payment item in the payment list according to the preset payment period, so as to obtain a payment sequence.

Thescheme generating module 30 is configured to acquire a preset display mode, generate a payment scheme for each payment item according to the payment sequence and the preset display mode, and push the payment scheme to the customer.

Further, thescheme generating module 30 is further configured to obtain a single payment cost of each payment item, and determine an optimal payment time according to the single payment cost and the preset payment time limit; and acquiring a preset display mode, generating a payment scheme of each payment project according to the optimal payment time, the payment sequence and the preset display mode, and pushing the payment scheme to the customer.

Further, thescheme generating module 30 is further configured to acquire a preset display mode, generate the payment scheme of each payment item according to the optimal payment time and the payment sequence in a calendar display mode when the preset display mode is calendar display, and push the payment scheme to the customer.

Correspondingly, the payment reminding device further comprises:

and the monitoring module is used for acquiring a preset payment recovery period and a preset payment allowance period from the payment list, monitoring the payment data of the customer in real time, and determining the non-payment items of the customer according to the payment data.

And the reminding module is used for determining a preset reminding period according to the preset payment allowance time limit and the preset payment recovery time limit, and carrying out payment reminding on the unpaid items in the preset reminding period.

The reminding module is also used for acquiring the identity information of the client, registering a user node for the client according to the identity information, wherein the user node is a private chain node; acquiring attribute information of a service provider, and registering a payment management node according to the attribute information of the service provider, wherein the payment management node is a public link node; monitoring the user nodes through the payment management node, and updating the monitored user node information to a payment system block chain; acquiring historical payment conditions and corresponding timestamp information of the customer through the payment system blockchain, and determining the payment habits of the customer according to the historical payment conditions and the timestamp information; determining a preset reminding period according to the payment habit, the preset payment allowance time limit and the preset payment recovery time limit; and carrying out payment reminding on the unpaid items in the preset reminding period.

The reminding module is also used for acquiring the communication association information of the client and the preset pushing rule of the client; and carrying out payment reminding on the client in the preset reminding period according to the preset pushing rule and the communication associated information.

Correspondingly, the payment reminding device further comprises:

and the fund judgment module is used for determining whether the fund balance is not less than the current payment amount of the payment item in the customer fund account after the payment confirmation message is received.

And the direct payment module is used for directly deducting corresponding fees from the client fund account to pay for the payment item when the fund balance is not less than the current payment amount.

And the insufficient amount reminding is used for generating account amount insufficient amount reminding when the fund balance is smaller than the current payment amount, and sending the account amount insufficient amount reminding to the client.

Correspondingly, the payment reminding device further comprises:

and the share calculation module is used for acquiring the payment amount of each payment item from the capital cost of the single payment cost and calculating the share proportion of the payment amount in the special payment capital of the customer.

And the overproof reminding module is used for generating a payment proportion overproof reminding to the client when the share proportion is greater than the preset share proportion so as to enable the client to determine whether to pay the payment project.

Correspondingly, the payment reminding device further comprises:

the technical importance judging module is used for acquiring a plurality of payment keywords of each payment project and searching a technical importance ratio corresponding to the payment keywords in a preset keyword database.

And the non-important item determining module is used for taking the payment item as a non-important payment item when the technical importance ratio is smaller than a preset importance ratio.

And the non-important item reminding module is used for generating a non-important item payment reminding corresponding to the non-important payment item and sending the non-important payment item payment reminding to the customer so as to enable the customer to determine whether to pay for the non-important payment item.

The steps implemented by each functional module of the payment reminding device can refer to each embodiment of the payment reminding method of the present invention, and are not described herein again.

In addition, an embodiment of the present invention further provides a storage medium, where the storage medium may be a computer-readable non-volatile storage medium, and certainly may also be other types of storage media, which is not limited in this embodiment; the storage medium is stored with a payment reminding program, and when the payment reminding program is executed by the processor, the following operations are realized:

Further, when executed by the processor, the payment reminding program further implements the following operations:

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims

1. A payment reminding method is characterized by comprising the following steps:

2. The payment prompting method of claim 1, wherein the obtaining of the preset display mode, generating payment schemes for each payment item according to the payment sequence and the preset display mode, and pushing the payment schemes to the customer comprises:

3. The payment reminding method of claim 2, wherein the obtaining of the preset display mode, generating payment schemes for each payment item according to the optimal payment time, the payment sequence and the preset display mode, and pushing the payment schemes to the customer comprises:

4. The payment reminding method of claim 1, wherein the obtaining of the preset display mode generates payment schemes for each payment item according to the payment sequence and the preset display mode, and after the payment schemes are pushed to the customer, the payment reminding method further comprises:

5. The payment reminding method of claim 4, wherein the determining a preset reminding period according to the preset payment grace period and the preset payment recovery period, and the payment reminding for the non-payment item in the preset reminding period comprises:

6. The payment reminding method as claimed in claim 5, wherein the reminding of payment for the non-payment item in the preset reminding period comprises:

7. The payment reminding method of claim 4, wherein the payment reminding method determines a preset reminding period according to the preset payment grace period and the preset payment recovery period, and after the payment reminding is performed on the non-payment item in the preset reminding period, the payment reminding method further comprises:

8. The payment reminding method according to any one of claims 2-7, wherein the method for obtaining the single payment cost of each payment item, after determining the optimal payment time according to the single payment cost and the preset payment period, further comprises:

9. A payment reminding method as claimed in any one of claims 1-7, wherein the payment time of each payment item in the payment list is sorted according to the preset payment period, and after a payment sequence is obtained, the payment reminding method further comprises:

10. The utility model provides a collect fee reminding device which characterized in that, collect fee reminding device includes:

11. The utility model provides a warning equipment of collecting fee which characterized in that, the warning equipment of collecting fee includes: a memory, a processor and a payment reminding program stored on the memory and operable on the processor, the payment reminding program being configured to implement the steps of the payment reminding method according to any one of claims 1 to 9.

12. A storage medium, wherein a payment reminding program is stored on the storage medium, and when being executed by a processor, the method of claim 1 to 9 is implemented.