Bank account expense early-reminding device and method

Abstract

The embodiment of the invention provides a bank account expense early-reminding device and a bank account expense early-reminding method. The device comprises an expense reminding information storage unit, an early reminding deduction generating unit, an early reminding balance generating unit, an early reminding instruction generating unit and an early reminding information sending unit, wherein the expense reminding information storage unit is used for storing expense reminding information; the early reminding deduction generating unit is used for reading the expense reminding information and calculating estimated deduction line sum under the same bank account, from an early reminding time to a deduction time and corresponding to each deduction type according to the expense reminding information so as to generate early reminding deduction; the early reminding balance generating unit is used for extracting the available balance corresponding to the same bank account from the expense reminding information; the early reminding instruction generating unit is used for judging whether the early reminding deduction is greater than the available balance, and if so, generating early reminding instructions containing user communication numbers and early reminding information; and the early reminding information sending unit is used for sending the early reminding information to a communication terminal corresponding to the user communication numbers according to the early reminding instructions. The device and the method solve the expense early-reminding problem of bank deduction accounts in a bank deposit payment system.

Description

technical field [0001] The present invention relates to the account information processing technology in the bank computer system, in particular to the processing technology of the bank account deduction expenditure in the bank agency business, and specifically to a bank account expenditure pre-reminder device and method. Background technique [0002] With the continuous development of financial services, some necessary directional expenditures in people's lives, such as water and electricity bills, telephone bills, gas bills, Internet access fees, etc., do not require users to go to the service provider to pay business fees in person. The usual payment method is to sign a business fee collection agreement with the bank, and the bank will deduct the money from the user's deduction account as an agent, and then the user will deposit a certain amount of funds in his own deduction account on a regular basis. The relevant service provider will directly deduct the relevant fees f...

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a bank account payment pre-reminder device and method to solve the problem of bank deduction account payment pre-reminder in the bank collection system

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