Deduction instruction initiating method and device

一种扣款、指令的技术，应用在计算机领域，能够解决成本高等问题，达到降低扣款成本、减少执行不成功的概率的效果

Active Publication Date: 2021-08-24
MASHANG CONSUMER FINANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 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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  • Deduction instruction initiating method and device
  • Deduction instruction initiating method and device
  • Deduction instruction initiating method and device

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Embodiment Construction

[0030] 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.

[0031] 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:

[0032] Step 101, obtaining order information of a debit order.

[0033] Among them, the above-mentioned deduction order can also be referred to as a withholding order, for example: the merchant a...

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Abstract

The invention provides a deduction instruction initiating method and a training method of a machine learning model. The deduction instruction initiating method comprises the steps of obtaining order information of a deduction order; after the order information is input into a machine learning model for processing, obtaining a predicted value of successful deduction of the deduction order; and if the predicted value is greater than or equal to a target threshold value, initiating a deduction instruction of the deduction order. Therefore, in the substituted deduction service of the installment payment agreement signed between a merchant and a consumer, the probability that the deduction is failed and the bank still charges the service fee due to the problems that the balance of the deducted account of the consumer is insufficient and exceeds the limit of the deducted account can be reduced, so that the collection cost of the merchant is reduced.

Description

[0001] The patent application for this invention is July 10, 2018, the application number is "201810750604.6", the name of the invention A divisional application of a Chinese invention patent application called "A Method and Device for Initiating a Debit Instruction". technical field [0002] The invention relates to the field of computer technology, in particular to a method and device for initiating a deduction instruction. Background technique [0003] 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...

Claims

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Application Information

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Patent Type & Authority Applications(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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