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A method and device for initiating a debit instruction

A technology of deduction and instruction, applied in the computer field, can solve the problem of high cost, achieve the effect of reducing the cost of deduction and the probability of unsuccessful execution

Active Publication Date: 2021-06-18
MASHANG CONSUMER FINANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a method and device for initiating a deduction instruction to solve the defect of high cost in the deduction method in the related art

Method used

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  • A method and device for initiating a debit instruction
  • A method and device for initiating a debit instruction
  • A method and device for initiating a debit instruction

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Embodiment Construction

[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0030] See figure 1 , figure 1 It is a flow chart of a method for initiating a debit instruction provided by an embodiment of the present invention. Such as figure 1 As shown, the method for initiating a debit instruction includes the following steps:

[0031] Step 101, obtaining order information of a debit order.

[0032] Among them, the above-mentioned deduction order can also be referred to as a withholding order, for example: the merchant and ...

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Abstract

The present invention provides a method and device for initiating a deduction order, the method comprising: obtaining the order information of the deduction order; after inputting the order information into a machine learning model for processing, obtaining the successful deduction information of the deduction order A predicted value; if the predicted value is greater than or equal to the target threshold, a deduction instruction for the debit order is initiated. The method for initiating a deduction instruction provided in the embodiment of the present invention can reduce deduction costs.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method and device for initiating a deduction instruction. Background technique [0002] With the deepening reform of the financial industry, the number of transactions such as utility charges, payment collection, and post-consumer installment repayment has increased rapidly. For example, merchants charge consumers installment payment fees through banks, and banks charge a fixed amount of handling fees or a certain percentage of handling fees according to the amount of deductions for each debit. However, in practical applications, due to consumption Insufficient balance of the debited account of the customer, exceeding the limit of the debited account, etc., the deduction failure often occurs, and the bank will not waive the fee due to the deduction failure, thereby increasing the merchant's collection cost . [0003] In related technologies, according to the bank's return s...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/08G06Q20/42
CPCG06Q20/085G06Q20/42
Inventor 曾琳铖曦刘洪政蒋宁
Owner MASHANG CONSUMER FINANCE CO LTD
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