CN114819969A - Credit payment mode recommendation method and device - Google Patents
Credit payment mode recommendation method and deviceDownload PDFInfo
- Publication number
- CN114819969A CN114819969ACN202210349975.XACN202210349975ACN114819969ACN 114819969 ACN114819969 ACN 114819969ACN 202210349975 ACN202210349975 ACN 202210349975ACN 114819969 ACN114819969 ACN 114819969A
- Authority
- CN
- China
- Prior art keywords
- credit payment
- payment method
- current
- credit
- payable
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/405—Establishing or using transaction specific rules
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
- G06F3/0482—Interaction with lists of selectable items, e.g. menus
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- General Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Human Computer Interaction (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Translated fromChinese技术领域technical field
本说明书实施例涉及互联网应用技术领域，且特别涉及一种信用支付方式推荐方法及装置。The embodiments of this specification relate to the technical field of Internet applications, and in particular, to a method and device for recommending a credit payment method.
背景技术Background technique
随着互联网发展，移动支付逐渐被普及；且随着全名理财思维的提升，消费者越来越多的将其名下的多张信号卡绑定在支付宝或微信等第三方平台上进行移动支付；或者利用平台所提供的信用支付进行移动支付。目前第三方平台上的默认扣款选择基本上都是手动选择或者提前设定排序好的。对于信用支付而言，用户会希望资金浮游在手上的时间更长以便更好的进行理财和投资。因此，在进行信用支付选择时用户需要根据每种信用支付方式的账户信息来确定最优的支付方式。账户信息包括信用支付的总额度、当前可用余额、下一次出账单日期以及下一次还款日期等。很显然的，对于持有多种信用支付方式的用户，在每次支付前都进行这个最优支付方式的手动选择是很不方便的。With the development of the Internet, mobile payment has gradually become popular; and with the improvement of full-name financial management thinking, more and more consumers bind multiple signal cards under their names to third-party platforms such as Alipay or WeChat for mobile payments. payment; or use the credit payment provided by the platform for mobile payment. At present, the default deduction options on third-party platforms are basically manually selected or sorted in advance. For credit payment, users will hope that the funds will float on their hands for a longer time in order to better manage financial management and investment. Therefore, when selecting credit payment, the user needs to determine the optimal payment method according to the account information of each credit payment method. Account information includes the total amount of credit payment, the current available balance, the date of the next billing and the date of the next repayment, etc. Obviously, for users who hold multiple credit payment methods, it is very inconvenient to manually select the optimal payment method before each payment.
目前也有出现了基于账单日或还款日的信用支付方式推荐。但是这种推荐方式会出现优先持续使用某一信用支付方式直至额度殆尽后再开始另一信用支付方式。这不仅造成其它信用支付方式有额度但免息时间很短而无法使用的现象；同时单一支付方式的持续使用也会给用户带来还款压力和其它信用支付方式信用难增长的问题。There are also recommendations for credit payment methods based on the billing date or the repayment date. However, this recommended method will give priority to continuing to use a certain credit payment method until the limit is exhausted before starting another credit payment method. This not only results in the phenomenon that other credit payment methods have quotas but the interest-free period is very short and cannot be used; at the same time, the continuous use of a single payment method will also bring repayment pressure to users and the problem that other credit payment methods are difficult to increase their credit.
发明内容SUMMARY OF THE INVENTION
本发明为了克服现有技术的不足，提供一种在多信用支付方式中实现平均免息时间最长的信用支付方式推荐方法及装置。In order to overcome the deficiencies of the prior art, the present invention provides a method and device for recommending a credit payment method with the longest average interest-free time in a multi-credit payment method.
为了实现上述目的，本发明提供一种信用支付方式推荐方法，该方法适用于绑定多种信用支付方式的用户，其包括：获取用户绑定的每种信用支付方式的账户信息，账户信息包括该信用支付方式的总额度、当前可支付余额、下一次账单日以及下一次还款日；In order to achieve the above object, the present invention provides a credit payment method recommendation method, which is suitable for users who bind multiple credit payment methods, which includes: acquiring account information of each credit payment method bound by the user, and the account information includes: The total amount of the credit payment method, the current payable balance, the next billing date and the next repayment date;
基于当前支付请求的金额，获取总额度和当前可支付余额均满足当前支付金额的信用支付方式；并根据下一次账单日，筛选出账单时间满足预设账单时间的信用支付方式，形成可支付列表；Based on the amount of the current payment request, obtain the credit payment method that both the total amount and the current payable balance meet the current payment amount; and screen out the credit payment method whose billing time meets the preset billing time according to the next billing date to form a payable list ;
对于可支付列表内的每一信用支付方式，根据其当前可支付余额和还款时间，确定每种信用支付方式的平均免息系数；For each credit payment method in the payable list, determine the average interest-free coefficient of each credit payment method according to its current payable balance and repayment time;
基于平均免息系数对可支付列表内的支付方式进行排序，并向用户推荐平均免息系数最大的信用支付方式。Based on the average interest-free coefficient, the payment methods in the payable list are sorted, and the credit payment method with the largest average interest-free coefficient is recommended to the user.
根据本发发明的一实施例，当可支付列表内的其它信用支付方式存在优惠时，基于具有优惠的信用支付方式和平均免息系数最大的支付方式之间的还款时间差和当前活期基准收益率；或者还款时间差和货币基金基准收益率，预测当前支付金额在还款时间差之内所产生的收益，基于预测所获得的收益和优惠金额在具有优惠的信用支付方式和平均免息系数最大的支付方式中确定一种支付方式。According to an embodiment of the present invention, when there are discounts for other credit payment methods in the payable list, based on the repayment time difference between the preferential credit payment method and the payment method with the largest average interest-free coefficient and the current current benchmark income or the repayment time difference and monetary fund benchmark rate of return, predict the income generated by the current payment amount within the repayment time difference, and the income and preferential amount obtained based on the prediction are the largest in the preferential credit payment method and the average interest-free coefficient. Determine a payment method from among the payment methods.
根据本发发明的一实施例，当前活期基准收益率指的是平均免息系数最大的支付方式所在银行的当前活期基准收益率；或者多种信用支付方式所在银行的当前活期基准收益率的平均值。According to an embodiment of the present invention, the current benchmark rate of return refers to the current benchmark rate of return of the bank where the payment method with the largest average interest-free coefficient is located; or the average of the current benchmark rate of return of the bank where multiple credit payment methods are located. value.
根据本发发明的一实施例，当有多种信用支付方式基于平均免息系数并列最优时，筛选当前可支付余额满足预设余额的信用支付方式，并向用户推荐筛选后的信用支付方式中还款时间最长的信用支付方式。According to an embodiment of the present invention, when there are multiple credit payment methods that are juxtaposed optimally based on the average interest-free coefficient, the credit payment method whose current payable balance meets the preset balance is screened, and the screened credit payment method is recommended to the user. The credit payment method with the longest repayment time.
根据本发发明的一实施例，平均免息系数为该信用支付方式当前可支付余额和还款时间的乘积；或者当前可支付余额和还款时间的加权求和。According to an embodiment of the present invention, the average interest-free coefficient is the product of the current payable balance and the repayment time of the credit payment method; or the weighted sum of the current payable balance and the repayment time.
根据本发发明的一实施例，在确定平均免息系数时，基于该信用支付方式当前可支付余额与总额度的关系或者当前可支付余额与预设余额的关系，为平均免息系数配置权重系数。According to an embodiment of the present invention, when determining the average interest-free coefficient, a weight is configured for the average interest-free coefficient based on the relationship between the current payable balance and the total amount of the credit payment method or the relationship between the current payable balance and the preset balance coefficient.
另一方面，本发明还提供一种用于绑定多种信用支付方式的用户的信用支付方式推荐装置，其包括账户信息获取单元、列表生成单元、免息系数确定单元以及排序推荐单元。账户信息获取单元获取用户绑定的每种信用支付方式的账户信息，账户信息包括该信用支付方式的总额度、当前可支付余额、下一次账单日以及下一次还款日。列表生成单元基于当前支付请求的金额，获取总额度和当前可支付余额均满足当前支付金额的信用支付方式；并根据下一次账单日，筛选出账单时间满足预设账单时间的信用支付方式，形成可支付列表。免息系数确定单元对于可支付列表内的每一信用支付方式，根据其当前可支付余额和还款时间，确定每种信用支付方式的平均免息系数。排序推荐单元基于平均免息系数对可支付列表内的支付方式进行排序，并向用户推荐平均免息系数最大的信用支付方式。In another aspect, the present invention also provides a credit payment method recommendation device for users bound with multiple credit payment methods, which includes an account information acquisition unit, a list generation unit, an interest-free coefficient determination unit, and a ranking recommendation unit. The account information acquisition unit acquires account information of each credit payment method bound by the user, and the account information includes the total amount of the credit payment method, the current payable balance, the date of the next bill and the date of the next repayment. Based on the amount of the current payment request, the list generating unit obtains the credit payment method whose total amount and the current payable balance both meet the current payment amount; Payable list. The interest-free coefficient determination unit determines the average interest-free coefficient of each credit payment method according to its current payable balance and repayment time for each credit payment method in the payable list. The sorting recommendation unit sorts the payment methods in the payable list based on the average interest-free coefficient, and recommends the credit payment method with the largest average interest-free coefficient to the user.
根据本发发明的一实施例，信用支付方式推荐装还包括优惠选择确定单元，当可支付列表内的其它信用支付方式存在优惠时，基于具有优惠的信用支付方式和平均免息系数最大的支付方式之间的还款时间差和当前活期基准收益率；或者基于还款时间差和货币基金基准收益率，预测当前支付金额在还款时间差之内所产生的收益，基于预测所获得的收益和优惠金额在具有优惠的信用支付方式和平均免息系数最大的支付方式中确定一种支付方式。According to an embodiment of the present invention, the credit payment method recommendation device further includes a preferential selection and determination unit. When other credit payment methods in the payable list have preferential discounts, the credit payment method with the preferential credit payment method and the payment with the largest average interest-free coefficient are paid. The repayment time difference between the methods and the current benchmark rate of return; or based on the repayment time difference and the monetary fund benchmark rate of return, predict the income generated by the current payment amount within the repayment time difference, based on the predicted income and preferential amount. Identify a payment method with favorable credit payment methods and the payment method with the largest average interest-free coefficient.
根据本发发明的一实施例，当有多种信用支付方式基于平均免息系数并列最优时，排序推荐单元筛选当前可支付余额满足预设余额的信用支付方式，并向用户推荐筛选后的信用支付方式中还款时间最长的信用支付方式。According to an embodiment of the present invention, when there are multiple credit payment methods based on the average interest-free coefficient, the ranking and recommendation unit selects the credit payment methods whose current payable balance meets the preset balance, and recommends the selected credit payment methods to the user. The credit payment method with the longest repayment time among the credit payment methods.
根据本发发明的一实施例，免息系数确定单元将信用支付方式当前可支付余额和还款时间的乘积或当前可支付余额和还款时间的加权求和作为其平均免息系数。According to an embodiment of the present invention, the interest-free coefficient determination unit takes the product of the current payable balance and repayment time of the credit payment method or the weighted sum of the current payable balance and repayment time as its average interest-free coefficient.
综上所述，本发明提供的信用支付方式推荐方法及装置中，根据当前支付请求的金额在多种信用支付方式中确定总支付额度和当前剩余支付额度满足要求的信用支付方式，以确保支付成功率，实现最短时间支付，即满足时间权益。而根据每一信用支付方式的当前可支付余额和还款时间确定其平均免息系数。而基于平均免息系数进行的支付方式推荐很好地兼顾了可支付余额和还款日之间的平衡，在信用支付时实现多种信用支付方式的均衡，从而避免了单一信用支付方式的过度使用和其它信用支付方式可支付余额的浪费。本发明提供的信用支付方式推荐方法及装置在接收到包含支付金额的支付请求时自动为用户提供基于平均免息系数的最优支付方式，在满足短时支付成功率的基础上极大的简化了用户对最优支付方式的选择，以最便捷的方式为用户提供了利益最大化的支付方式。To sum up, in the method and device for recommending a credit payment method provided by the present invention, a credit payment method in which the total payment amount and the current remaining payment amount meet the requirements are determined among a variety of credit payment methods according to the amount of the current payment request, so as to ensure payment The success rate, to achieve the shortest time payment, that is, to meet the time equity. The average interest-free coefficient is determined according to the current payable balance and repayment time of each credit payment method. The payment method recommendation based on the average interest-free coefficient takes into account the balance between the payable balance and the repayment date, and realizes the balance of multiple credit payment methods during credit payment, thereby avoiding the excessive use of a single credit payment method. Use and other credit payment methods can pay for wasted balances. The credit payment method recommendation method and device provided by the present invention automatically provide users with an optimal payment method based on an average interest-free coefficient when a payment request including a payment amount is received, which greatly simplifies the short-term payment success rate. It helps users choose the best payment method, and provides users with a payment method that maximizes benefits in the most convenient way.
为让本发明的上述和其它目的、特征和优点能更明显易懂，下文特举较佳实施例，并配合附图，作详细说明如下。In order to make the above-mentioned and other objects, features and advantages of the present invention more obvious and easy to understand, the preferred embodiments are hereinafter described in detail together with the accompanying drawings.
附图说明Description of drawings
图1所示为本发明一实施例提供的信用支付方式推荐方法的流程图。FIG. 1 is a flowchart of a method for recommending a credit payment method provided by an embodiment of the present invention.
图2所示为本发明一实施例提供的信用支付方式推荐的结构示意图。FIG. 2 is a schematic structural diagram of a credit payment method recommendation provided by an embodiment of the present invention.
具体实施方式Detailed ways
如图1所示，本实施例提供的信用支付方式推荐方法适用于绑定多种信用支付方式的用户，所述信用支付方式推荐方法包括：获取用户绑定的每种信用支付方式的账户信息，账户信息包括该信用支付方式的总额度、当前可支付余额、下一次账单日以及下一次还款日(步骤S10)。基于当前支付请求的金额，获取总额度和当前可支付余额均满足当前支付金额的信用支付方式；并根据下一次账单日，筛选出账单时间满足预设账单时间的信用支付方式，形成可支付列表(步骤S20)。对于可支付列表内的每一信用支付方式，根据其当前可支付余额和还款时间，确定每种信用支付方式的平均免息系数(步骤S30)。基于平均免息系数对可支付列表内的支付方式进行排序，并向用户推荐平均免息系数最大的信用支付方式(步骤S40)。As shown in FIG. 1 , the method for recommending credit payment methods provided in this embodiment is suitable for users bound with multiple credit payment methods, and the method for recommending credit payment methods includes: acquiring account information of each credit payment method bound by the user , the account information includes the total amount of the credit payment method, the current payable balance, the next billing date and the next repayment date (step S10). Based on the amount of the current payment request, obtain the credit payment method that both the total amount and the current payable balance meet the current payment amount; and screen out the credit payment method whose billing time meets the preset billing time according to the next billing date to form a payable list (step S20). For each credit payment method in the payable list, the average interest-free coefficient of each credit payment method is determined according to its current payable balance and repayment time (step S30). The payment methods in the payable list are sorted based on the average interest-free coefficient, and the credit payment method with the largest average interest-free coefficient is recommended to the user (step S40).
以下将结合图1详细介绍本实施例提供的信用支付方式推荐方法的具体工作原理。The specific working principle of the credit payment method recommendation method provided by this embodiment will be described in detail below with reference to FIG. 1 .
本实施例提供的信用支付方式推荐方法适用于具有两种以上信用支付方式的用户。信用支付方式可以是银行发行的信用卡或第三方平台提供的信用支付，如支付宝的花呗、微信的分付或者是京东的白条等。The credit payment method recommendation method provided in this embodiment is suitable for users who have two or more credit payment methods. The credit payment method can be a credit card issued by a bank or a credit payment provided by a third-party platform, such as Alipay's Huabei, WeChat's sub-payment, or JD.com's Baitiao.
在步骤S10中，首先获取用户绑定的多种信用支付方式的账户信息。对于这些账户信息，可通过信用支付提供方(如信用卡发行银行或信用支付所在的第三方平台)自动获取。对于不支持从信用支付提供方自动获取账户信息的信用支付方式，基于用户手动设置来形成对应的账户信息。譬如，以输入步骤展示的方式提示用户输入账户信息的相关内容；或者基于用户关于账户信息的复制操作，从复制信息中提取相关的字段，自动形成对应的账户信息。本发明对此不作任何限定。In step S10, first obtain account information of multiple credit payment methods bound by the user. For these account information, the credit payment provider (such as the credit card issuing bank or the third-party platform where the credit payment is located) can be automatically obtained. For a credit payment method that does not support automatic acquisition of account information from a credit payment provider, the corresponding account information is formed based on manual settings by the user. For example, the user is prompted to input the relevant content of the account information in the manner of displaying the input steps; or based on the user's copy operation on the account information, the relevant fields are extracted from the copied information to automatically form the corresponding account information. The present invention does not make any limitation to this.
在移动支付过程中，支付成功率是需要首要考虑的；保证支付成功率的基础上提升支付速率和支付利益最大化是用户所希望的。为便于描述，以下将从时间权益和经济权益两个方面展开说明。对于时间权益而言，其体现在支付成功率和支付速率上。为保证支付的成功率，当接收到支付请求时，步骤S20将基于当前接收到的支付请求中的金额，从总额度和当前可支付余额两方面获取满足当前支付金额要求的信用支付方式。定义当前支付金额为ZFJE，信用支付方式A总额度为ZEA，其当前可支付余额为YEA；对应的信用支付方式B总额度为ZEB，其当前可支付余额为YEB；信用支付方式C总额度为ZEC，其当前可支付余额为YEC；信用支付方式D总额度为ZED，其当前可支付余额为YED。当ZEA大于ZFJE且YEA大于ZFJE时信用支付方式A才满足支付成功率的筛选，形成可用额度支付列表。而对于总额度小于当前支付金额或当前可支付余额小于当前支付金额的信用支付方式则不满足支付成功率的要求，不进入可用额度支付列表。In the process of mobile payment, the payment success rate is the primary consideration; on the basis of ensuring the payment success rate, it is the user's desire to increase the payment rate and maximize the payment benefits. For the convenience of description, the following will be explained from the two aspects of time interest and economic interest. For time equity, it is reflected in the payment success rate and payment rate. In order to ensure the success rate of payment, when a payment request is received, step S20 will obtain a credit payment method that meets the current payment amount requirement from both the total amount and the current payable balance based on the amount in the currently received payment request. The current payment amount is defined as ZFJE, the total amount of credit payment method A is ZEA, and its current payable balance is YEA; the corresponding total amount of credit payment method B is ZEB, and its current payable balance is YEB; the total amount of credit payment method C is ZEC, its current payable balance is YEC; the total amount of credit payment method D is ZED, and its current payable balance is YED. When ZEA is greater than ZFJE and YEA is greater than ZFJE, credit payment method A satisfies the screening of the payment success rate and forms a payment list with available quota. For the credit payment method whose total amount is less than the current payment amount or the current payable balance is less than the current payment amount, it does not meet the requirements of the payment success rate and does not enter the available amount payment list.
由于信用支付方式的总额度是固定的且不随时间变化的，因此在形成可用额度支付列表时优先基于当前支付金额对每一信用支付方式的总额度进行筛选，形成总额度支付列表。之后再实时获取总额度支付列表中每一信用支付方式的当前可支付余额，筛选后再形成可用额度支付列表。该方式节省了对总额度不满足要求的信用支付方式的当前可支付余额的动态获取，从而大大提高了筛选的速率，尤其是当信用支付方式较多时，这种优势会更加的明显。然而，本发明对此不作任何限定。Since the total amount of credit payment methods is fixed and does not change with time, when forming the available amount payment list, the total amount of each credit payment method is preferentially screened based on the current payment amount to form a total amount payment list. After that, the current payable balance of each credit payment method in the total quota payment list is obtained in real time, and the available quota payment list is formed after screening. This method saves the dynamic acquisition of the current payable balance of credit payment methods whose total amount does not meet the requirements, thereby greatly improving the screening rate, especially when there are many credit payment methods, this advantage will be more obvious. However, the present invention is not limited to this.
可用额度支付列表的获得保证了支付的成功率，极大降低了因额度不够所引起的支付失败；从而也解决了因更换支付方式所带来的支付效率低的问题。在时间权益满足要求的前提下，信用支付需要兼顾用户手上的浮游资金、还款压力以及信用额度等问题，即需要考虑其经济效益。因此，在步骤S20中，基于每一信用支付方式的下一次账单日对可支付列表内的信用支付方式作进一步筛选。筛选出账单时间满足预设账单时间的信用支付方式，形成可支付列表。出账单时间指的是当前时刻距离该信用支付方式下一次出账单的时间，分别用ZDA，ZDB，ZDC，ZDD来表示可用额度支付列表内A，B，C，D四种信用支付方式的出账单时间。以ZDT表示预设账单时间，如1天或3天等。将出账单时间小于预设账单时间ZDT的信用支付方式剔除，如信用支付方式D。该设置可避免用户在临近下一次出账单日前(譬如1天或3天等)使用某一大额度的信用支付方式。Obtaining the available quota payment list ensures the success rate of payment, greatly reduces the payment failure caused by insufficient quota, and also solves the problem of low payment efficiency caused by changing payment methods. On the premise that the time rights and interests meet the requirements, credit payment needs to take into account the floating funds in the hands of users, repayment pressure and credit limit, that is, its economic benefits need to be considered. Therefore, in step S20, the credit payment methods in the payable list are further screened based on the next billing date of each credit payment method. The credit payment methods whose billing time meets the preset billing time are filtered out to form a payable list. The billing time refers to the time from the current moment to the next billing of the credit payment method. ZDA, ZDB, ZDC, and ZDD are used to represent the four credit payment methods A, B, C, and D in the available quota payment list. Billing time. Indicates the preset billing time in ZDT, such as 1 day or 3 days. Eliminate credit payment methods whose billing time is less than the preset billing time ZDT, such as credit payment method D. This setting can prevent the user from using a large amount of credit payment method before the next billing date (such as 1 day or 3 days, etc.).
基于信用支付方式下一次账单日的进一步筛选，步骤S20形成了本次支付的可支付列表，以包含信用支付方式A、B、C为例。之后将执行步骤S30，对可支付列表内的信用支付方式进行推荐排序。在步骤S30中，以当前可支付余额和还款时间来共同衡量信用支付方式的确定。于本实施例中，以信用支付方式当前可支付余额和还款时间的乘积作为平均免息系数。HKA，HKB，HKC分别表示A，B，C三种信用支付方式当前距离下一次还款日的时间，即还款时间。其中，信用支付方式A的平均免息系数为YEA*HKA；信用支付方式B的平均免息系数为YEB*HKB；信用支付方式C的平均免息系数为YEC*HKC。然而，本发明对此不作任何限定。于其它实施例中，也可将当前可支付余额和还款时间的加权求和作为该信用支付方式的平均免息系数。Based on the further screening of the next billing date of the credit payment method, step S20 forms a payable list for the current payment, taking the credit payment methods A, B, and C as an example. After that, step S30 will be executed to recommend and sort the credit payment methods in the payable list. In step S30, the current payable balance and repayment time are used to jointly measure the determination of the credit payment method. In this embodiment, the product of the current payable balance and the repayment time of the credit payment method is used as the average interest-free coefficient. HKA, HKB, and HKC respectively represent the current time from the next repayment date for the three credit payment methods A, B, and C, that is, the repayment time. Among them, the average interest-free coefficient of credit payment method A is YEA*HKA; the average interest-free coefficient of credit payment method B is YEB*HKB; the average interest-free coefficient of credit payment method C is YEC*HKC. However, the present invention is not limited to this. In other embodiments, the weighted sum of the current payable balance and repayment time may also be used as the average interest-free coefficient of the credit payment method.
在支付时，步骤S40根据MAX(YEA*HKA，YEB*HKB，YEC*HKC)的规则将具有最大的平均免息系数的信用支付方式推荐给用户，形成最优信用支付方式。During payment, step S40 recommends the credit payment method with the largest average interest-free coefficient to the user according to the rule of MAX(YEA*HKA, YEB*HKB, YEC*HKC) to form the optimal credit payment method.
本实施例提供的信用支付方式推荐方法可使可支付列表内的多种信用支付方式在账单周期内以平均免息最长的规则进行滚动支付。譬如，尽管信用支付方式A其具有最长的还款时间，但是随着其支付次数的增加，其当前可支付额度降低，对应的其平均免息系数会逐渐降低。当其平均免息系数低于其余两种支付方式时，另外两种支付方式将会被确定为最优的支付方式而推荐给用户。该方式可避免信用支付方式A使用殆尽后，尽管方式B和C有额度，但其还款时间已很短而无法使用的问题。The credit payment method recommendation method provided by this embodiment enables multiple credit payment methods in the payable list to perform rolling payment within the billing cycle with the longest average interest-free rule. For example, although credit payment method A has the longest repayment time, as the number of payments increases, its current payment limit decreases, and the corresponding average interest-free coefficient will gradually decrease. When the average interest-free coefficient is lower than the other two payment methods, the other two payment methods will be determined as the optimal payment methods and recommended to users. This method can avoid the problem that after the credit payment method A is used up, although methods B and C have quotas, the repayment time is too short and cannot be used.
本实例提供的信用支付方式的推荐方法是一种基于多信用支付方式的均衡使用的推荐方法，相比现有的基于还款日或账单日这一单一条件的推荐方式，尽管某一信用支付方式的免息时长并不是最长的，但是其实现了多种信用支付方式的均衡合理的使用，是一种平均免息期最长的体现。解决了现有基于账单日或还款日的信用支付方式推荐所存在的其它信用支付方式有额度但因免息期过短而无法使用的支付不均衡问题；同时也降低了集中还款的压力、提升了多种信用支付方式的信用度。在支付时，用户无需再手动计算并确定信用支付方即可实现最大经济权益的快速信用支付。The recommendation method of credit payment method provided in this example is a recommendation method based on the balanced use of multiple credit payment methods. The interest-free period of the method is not the longest, but it realizes the balanced and reasonable use of various credit payment methods, which is a manifestation of the longest average interest-free period. Solve the problem of unbalanced payment in the existing credit payment method recommendation based on the bill date or repayment date that other credit payment methods have quotas but cannot be used because the interest-free period is too short; at the same time, it also reduces the pressure of centralized repayment , Improve the credit of a variety of credit payment methods. When paying, the user does not need to manually calculate and determine the credit payer to achieve fast credit payment with maximum economic rights.
进一步的，于其它实施例中，在确定平均免息系数时，基于该信用支付方式当前可支付余额与总额度的关系或者当前可支付余额与预设余额的关系，为平均免息系数配置权重系数。譬如，信用支付方式A其当前可支付余额仅仅只有总额度的十分之一，但是由于其还款时间还很长，故其平均免息系数还很大，会频繁的作为最优推荐。基于其当前可支付余额过低，可根据预设的规则对信用支付方式A的平均免息系数配置权重系数以降低其推荐频率。或者也可为可支付列表内的所有信用支付方式设置预设余额；若当前可支付余额小于或等于预设余额时，在确定该信用支付方式的平均免息系数时配置权重系数以降低其推荐频率。具体而言，为平均免息系数配置的权重系数小于1。然而，本发明对此不作任何限定。Further, in other embodiments, when determining the average interest-free coefficient, a weight is configured for the average interest-free coefficient based on the relationship between the current payable balance and the total amount of the credit payment method or the relationship between the current payable balance and the preset balance. coefficient. For example, the current payable balance of credit payment method A is only one-tenth of the total amount, but because its repayment time is still very long, its average interest-free coefficient is still very large, and it will be frequently used as the optimal recommendation. Based on the fact that its current payable balance is too low, a weight coefficient can be configured for the average interest-free coefficient of credit payment method A according to preset rules to reduce its recommendation frequency. Alternatively, you can also set a preset balance for all credit payment methods in the payable list; if the current payable balance is less than or equal to the preset balance, configure a weight coefficient when determining the average interest-free coefficient of the credit payment method to reduce its recommendation. frequency. Specifically, the weighting factor configured for the average interest-free factor is less than 1. However, the present invention is not limited to this.
在步骤S40基于平均免息系数的最优支付方式推荐时，若有多种信用支付方并列最优时，如方式A和B并列最优。根据预设余额对方式A和B的当前可支付余额进行筛选，选取当前可支付余额大于预设余额的方式。若筛选后只有一种方式满足则将其确定为最优的支付方式并推荐给客户。若筛选后两种方式均满足，则进一步根据还款时间最长的方式确定最优的信用支付方式并向用户推荐。然而，本发明对此不作任何限定。于其它实施例中，对于存在多种最优支付方式并列的情况，也可直接根据最长还款时间的规则为用户推荐。In step S40, when recommending the optimal payment method based on the average interest-free coefficient, if there are multiple credit payers that are optimally aligned, for example, methods A and B are optimally aligned. Screen the current payable balances of methods A and B according to the preset balance, and select the method in which the current payable balance is greater than the preset balance. If only one method is satisfied after screening, it will be determined as the optimal payment method and recommended to customers. If the two methods after screening are satisfied, the optimal credit payment method is further determined according to the method with the longest repayment time and recommended to the user. However, the present invention is not limited to this. In other embodiments, in the case where there are multiple optimal payment methods in parallel, it can also be recommended for the user directly according to the rule of the longest repayment time.
于本实施例中，当可支付列表内的其它信用支付方式存在优惠时执行步骤S50，以信用支付方式A为平均免息系数最大的支付方式，而信用支付方式C具有优惠为例。基于具有优惠的信用支付方式C和平均免息系数最大的信用支付方式A之间的还款时间差HKA-HKC和当前活期基准收益率，预测当前支付金额在还款时间差HKA-HKC之内所产生的收益。基于预测所获得的收益和优惠金额在具有优惠的信用支付方式C和平均免息系数最大的支付方式A中确定一种信用支付方式。然而，本发明对收益的预测方式不作任何限定。于其它实施例中，也可基于基于还款时间差和货币基金基准收益率来对收益进行预测。In this embodiment, step S50 is executed when other credit payment methods in the payable list have discounts, taking credit payment method A as the payment method with the largest average interest-free coefficient and credit payment method C as an example. Based on the repayment time difference HKA-HKC and the current benchmark yield between the preferential credit payment method C and the credit payment method A with the largest average interest-free coefficient, it is predicted that the current payment amount will be generated within the repayment time difference HKA-HKC 's earnings. A credit payment method is determined among the preferential credit payment method C and the payment method A with the largest average interest-free coefficient based on the predicted income and preferential amount. However, the present invention does not make any limitation on the prediction method of the income. In other embodiments, the income can also be predicted based on the repayment time difference and the monetary fund benchmark rate of return.
于本实施例中，当前活期基准收益率指的是平均免息系数最大的支付方式A所在银行的当前活期基准收益率。然而，本发明对此不作任何限定。于其它实施例中当前活期基准收益率也可为多种信用支付方式所在银行或第三方平台的当前活期基准收益率的平均值。In this embodiment, the current benchmark yield on demand refers to the current benchmark yield on demand of the bank where payment method A with the largest average interest-free coefficient resides. However, the present invention is not limited to this. In other embodiments, the current benchmark rate of return may also be the average of the current benchmark rate of return of the banks or third-party platforms where multiple credit payment methods are located.
相应于上述方法实施例，本说明书实施例还提供一种信用支付方式推荐装置，参见图2所示，该装置可以包括账户信息获取单元10、列表生成单元20、免息系数确定单元30以及排序推荐单元40。账户信息获取单元10获取用户绑定的每种信用支付方式的账户信息，账户信息包括该信用支付方式的总额度、当前可支付余额、下一次账单日以及下一次还款日。列表生成单元20基于当前支付请求的金额，获取总额度和当前可支付余额均满足当前支付金额的信用支付方式；并根据下一次账单日，筛选出账单时间满足预设账单时间的信用支付方式，形成可支付列表。免息系数确定单元30对于可支付列表内的每一信用支付方式，根据其当前可支付余额和还款时间，确定每种信用支付方式的平均免息系数。排序推荐单元40基于平均免息系数对可支付列表内的支付方式进行排序，并向用户推荐平均免息系数最大的信用支付方式。Corresponding to the above method embodiments, the embodiments of this specification further provide a credit payment method recommendation device. Referring to FIG. 2, the device may include an account
于本实施例中，免息系数确定单元30将信用支付方式当前可支付余额和还款时间的乘积作为其平均免息系数。然而，本发明对此不作任何限定。于其它实施例中，免息系数确定单元也可将当前可支付余额和还款时间的加权求和作为平均免息系数。In this embodiment, the interest-free
于本实施例中，当有多种信用支付方式基于平均免息系数并列最优时，排序推荐单元40筛选当前可支付余额满足预设余额的信用支付方式，并向用户推荐筛选后的信用支付方式中还款时间最长的信用支付方式。In this embodiment, when there are multiple credit payment methods based on the average interest-free coefficient, the ranking and
于本实施例中，信用支付方式推荐装还包括优惠选择确定单元50，当可支付列表内的其它信用支付方式存在优惠时，优惠选择确定单元50基于具有优惠的信用支付方式和平均免息系数最大的支付方式之间的还款时间差和当前活期基准收益率，预测当前支付金额在还款时间差之内所产生的收益，基于预测所获得的收益和优惠金额在具有优惠的信用支付方式和平均免息系数最大的支付方式中确定一种支付方式。其中，当前活期基准收益率指的是平均免息系数最大的支付方式A所在银行的当前活期基准收益率。然而，本发明对此不作任何限定。于其它实施例中当前活期基准收益率也可为多种信用支付方式所在银行的当前活期基准收益率的平均值。然而，本发明对收益的预测方式不作任何限定。于其它实施例中，优惠选择确定单元50也可基于基于还款时间差和货币基金基准收益率来对收益进行预测。In this embodiment, the credit payment method recommendation device further includes a preferential
上述装置中各个模块的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。For details of the implementation process of the functions and functions of each module in the above-mentioned device, please refer to the implementation process of the corresponding steps in the above-mentioned method, which will not be repeated here.
综上所述，本发明提供的信用支付方式推荐方法及装置中，根据当前支付请求的金额在多种信用支付方式中确定总支付额度和当前剩余支付额度满足要求的信用支付方式，以确保支付成功率，实现最短时间支付，即满足时间权益。而根据每一信用支付方式的当前可支付余额和还款时间确定其平均免息系数。而基于平均免息系数进行的支付方式推荐很好地兼顾了可支付余额和还款日之间的平衡，在信用支付时实现多种信用支付方式的均衡，从而避免了单一信用支付方式的过度使用和其它信用支付方式可支付余额的浪费。本发明提供的信用支付方式推荐方法及装置在接收到包含支付金额的支付请求时自动为用户提供基于平均免息系数的最优支付方式，在满足短时支付成功率的基础上极大的简化了用户对最优支付方式的选择，以最便捷的方式为用户提供了利益最大化的支付方式。To sum up, in the method and device for recommending a credit payment method provided by the present invention, a credit payment method in which the total payment amount and the current remaining payment amount meet the requirements are determined among a variety of credit payment methods according to the amount of the current payment request, so as to ensure payment The success rate, to achieve the shortest time payment, that is, to meet the time equity. The average interest-free coefficient is determined according to the current payable balance and repayment time of each credit payment method. The payment method recommendation based on the average interest-free coefficient takes into account the balance between the payable balance and the repayment date, and realizes the balance of multiple credit payment methods during credit payment, thereby avoiding the excessive use of a single credit payment method. Use and other credit payment methods can pay for wasted balances. The credit payment method recommendation method and device provided by the present invention automatically provide users with an optimal payment method based on an average interest-free coefficient when a payment request including a payment amount is received, which greatly simplifies the short-term payment success rate. It helps users choose the best payment method, and provides users with a payment method that maximizes benefits in the most convenient way.
虽然本发明已由较佳实施例揭露如上，然而并非用以限定本发明，任何熟知此技艺者，在不脱离本发明的精神和范围内，可作些许的更动与润饰，因此本发明的保护范围当视权利要求书所要求保护的范围为准。Although the present invention has been disclosed above by preferred embodiments, it is not intended to limit the present invention. Anyone who is familiar with the art can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection shall be subject to the scope of protection required by the claims.
Claims (10)
Translated fromChinesePriority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210349975.XACN114819969A (en) | 2022-04-02 | 2022-04-02 | Credit payment mode recommendation method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210349975.XACN114819969A (en) | 2022-04-02 | 2022-04-02 | Credit payment mode recommendation method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114819969Atrue CN114819969A (en) | 2022-07-29 |
Family
ID=82533463
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210349975.XAPendingCN114819969A (en) | 2022-04-02 | 2022-04-02 | Credit payment mode recommendation method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114819969A (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017128370A1 (en)* | 2016-01-30 | 2017-08-03 | 郭子明 | Method for collecting statistics about data of credit card balance monitoring technology, and smart prompting system |
| CN107563738A (en)* | 2017-08-29 | 2018-01-09 | 北京小米移动软件有限公司 | The method and payment devices of selected payment account |
| CN107609864A (en)* | 2017-08-30 | 2018-01-19 | 努比亚技术有限公司 | Method and terminal, the storage medium of a kind of information recommendation |
| CN109858959A (en)* | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
| CN110163589A (en)* | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | More pay off method by credit card, device, computer equipment and storage medium |
- 2022
- 2022-04-02CNCN202210349975.XApatent/CN114819969A/enactivePending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017128370A1 (en)* | 2016-01-30 | 2017-08-03 | 郭子明 | Method for collecting statistics about data of credit card balance monitoring technology, and smart prompting system |
| CN107563738A (en)* | 2017-08-29 | 2018-01-09 | 北京小米移动软件有限公司 | The method and payment devices of selected payment account |
| CN107609864A (en)* | 2017-08-30 | 2018-01-19 | 努比亚技术有限公司 | Method and terminal, the storage medium of a kind of information recommendation |
| CN109858959A (en)* | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
| CN110163589A (en)* | 2019-04-15 | 2019-08-23 | 深圳壹账通智能科技有限公司 | More pay off method by credit card, device, computer equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Mukhopadhyay | Understanding cashless payments in India | |
| US8560447B1 (en) | Intelligent account selection for electronic bill payment | |
| US7630935B2 (en) | Award system with increased payout options | |
| US7630937B1 (en) | Method and system for processing a financial transaction | |
| JP4244188B2 (en) | Method and system for managing a mortgage securities index | |
| US11381519B2 (en) | Systems and methods for allocating shared resources | |
| US20090319409A1 (en) | Method and system to facilitate a payment in satisfaction of accumulated micropayment commitments to a vendor | |
| US20150019393A1 (en) | Information processing apparatus and method, and non-transitory computer readable medium | |
| JP5362867B2 (en) | System, method, and program for discounting electronic record receivables | |
| US20180268487A1 (en) | Payment management system | |
| US20110153481A1 (en) | System and method for managing financial accounts and comparing competitive goods and/or services rendered thereto | |
| CN110009417A (en) | Target customer screening method, apparatus, device, and computer-readable storage medium | |
| HK1204119A1 (en) | Foreign exchange transaction device, foreign exchange transaction system, transmission/reception method, and program | |
| CN109118235A (en) | Method of payment, device, electronic equipment and storage medium | |
| CN109410028A (en) | Method of payment, device, electronic equipment and storage medium | |
| US20210158439A1 (en) | Method for Optimizing Usage Savings in Financial Accounts | |
| Huang et al. | E-money and monetary policy transmission | |
| JP3993112B2 (en) | Investment support system, investment support service providing method, and program | |
| CN114819969A (en) | Credit payment mode recommendation method and device | |
| CN109272399B (en) | Credit card management method and device | |
| CN119090554A (en) | Method for providing hotel merchant services through travel service platform | |
| JP2008135017A (en) | Investment information processing apparatus, system, method, program, and investment information processing system program | |
| WO2023048862A2 (en) | Systems and methods for calculating, creating and/or aggregating funds from transactions and apportioning those funds into savings and/or investments | |
| CN108681833A (en) | Finance product methods of marking, system, computer equipment and storage medium | |
| CN108346097A (en) | It is a kind of to the analysis method of user's finance data, device and terminal |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |