Arrearage recovery method and device, computer equipment and storage medium

Abstract

The invention provides an arrearage recovery method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining an arrearage order of a parking lot management party, and enabling the arrearage order to correspond to the information of an arrearage vehicle owner and a recovery mode; generating an arrearage reminding notification corresponding to the arrearage order based on the recovery mode; and based on the arrearage vehicle owner information, pushing the arrearage reminding notification to a corresponding arrearage vehicle owner, and when the arrearage vehicle owner clicks the arrearage reminding notification, skipping to a corresponding payment interface based on the reclaiming mode to perform arrearage supplementary payment. The arrearage order of each parking lot is uniformly acquired through the arrearage management platform, the reminding is generated according to the preset reclaiming mode and pushed to the vehicle owner, the centralized processing of multiple parking lots is supported, the cross-channel repeated query and payment are avoided, and the repayment efficiency and experience are remarkably improved; and the resumption modes can be configured according to different parking lot requirements, and proper arrearage reminding is selected according to the requirements of different parking lots, so that the arrearage resumption process is more flexible and adaptive.

Description

Technical Field

[0001] This application relates to the field of vehicle arrears management, specifically to a method, device, computer equipment, and storage medium for collecting arrears. Background Technology

[0002] With the development of urbanization and smart parking, on-street parking and similar open parking scenarios are characterized by scattered vehicle parking and irregular parking times. Since most scenarios lack human supervision, car owners usually rely on self-service terminals to complete payment. If car owners leave in a hurry, forget to operate the terminal, or fail to receive payment information in a timely manner, they are prone to incurring outstanding fees, making the problem of collecting overdue payments increasingly prominent.

[0003] Existing methods for collecting overdue payments mostly rely on the local processing mechanisms of a single parking location. After detecting an overdue payment, they can only remind the car owner to pay by posting a written notice or providing on-site reminders, and update the order status in the local system. This type of method is limited to a single parking lot and lacks the ability to conduct joint collection across regions and platforms.

[0004] Furthermore, in actual operation, different parking lots or partners often have different needs in the process of collecting overdue fees, and the traditional local processing mechanism has a single method for overdue fee payment, which is difficult to adapt to the diverse needs of payment.

[0005] Therefore, in open parking scenarios with multiple parking lots, how to improve the efficiency of vehicle owners' payment and meet their diverse payment needs has become an urgent technical problem to be solved. Summary of the Invention

[0006] This application provides a method, apparatus, computer equipment, and storage medium for collecting overdue fees, in order to solve the problem that traditional overdue fee collection methods are inefficient and unable to meet diverse overdue fee collection needs in open parking scenarios with multiple parking lots.

[0007] According to a first aspect of this application, one embodiment provides a method for collecting overdue fees, the method being applied to an overdue fee management platform, the overdue fee management platform being interfaced with at least one parking lot management entity, comprising: Obtain the parking lot management's overdue payment orders, which correspond to information on the car owners who owe money and the collection methods. Based on the collection mode, generate an overdue payment reminder notification for the overdue order; Based on the information of the vehicle owner in arrears, the arrears reminder notification will be pushed to the corresponding vehicle owner. When the vehicle owner clicks on the arrears reminder notification, they will be redirected to the corresponding payment interface based on the collection mode to make up the arrears.

[0008] Optionally, the method further includes: Upon receiving the payment result for the overdue order, the payment amount corresponding to the payment result is split into a first amount and a second amount based on the preset settlement rules; The first amount is allocated to the account of the overdue payment management platform, and the second amount is allocated to the account of the parking lot management party.

[0009] Optionally, the overdue order also corresponds to an overdue period. Based on preset settlement rules, the amount to be paid is split into a first amount and a second amount, including: Based on the overdue payment duration and the preset duration threshold group, the corresponding splitting coefficient is determined; The first amount is calculated based on the splitting coefficient and the supplementary payment amount; The second amount is calculated based on the supplementary payment amount and the first amount.

[0010] Optionally, the preset duration threshold group includes multiple duration thresholds, each duration threshold corresponds to a splitting coefficient, and each duration threshold is positively correlated with the corresponding splitting coefficient.

[0011] Optionally, the collection mode is either a first collection mode or a second collection mode, and the step of generating an overdue payment reminder notification for the overdue order based on the collection mode includes: When the collection mode is the first collection mode, the parking lot payment link of the parking lot management party is obtained, and the overdue payment reminder notification is generated based on the parking lot payment link. When the overdue payment reminder notification is clicked, the overdue payment reminder notification is redirected to the payment interface of the parking lot management party to pay the overdue payment. When the collection mode is the second collection mode, the overdue payment link of the overdue payment management platform is obtained, and the overdue payment reminder notification is generated based on the overdue payment payment link. When the overdue payment vehicle owner clicks the overdue payment reminder notification, he / she is redirected to the payment interface corresponding to the overdue payment management platform to make up for the overdue payment.

[0012] Optionally, sending the overdue payment reminder to the corresponding vehicle owner with outstanding payment includes: Send a pop-up notification to the terminal of the vehicle owner in arrears to display the arrears reminder on the terminal, and / or send the arrears reminder to the vehicle owner in arrears via push notification or SMS notification.

[0013] According to a second aspect of this application, one embodiment provides an overdue payment collection device, comprising: The acquisition module is used to acquire the parking lot management's overdue payment orders, which correspond to information on the overdue vehicle owners and the collection mode. The generation module is used to generate an overdue payment reminder notification corresponding to the overdue order based on the collection mode; The push module is used to push the overdue payment reminder notification to the corresponding overdue payment owner based on the overdue payment owner information. When the overdue payment owner clicks on the overdue payment reminder notification, he / she is redirected to the corresponding payment interface based on the collection mode to make up the overdue payment.

[0014] Optionally, the device further includes: The splitting module is used to split the amount due to the overdue order into a first amount and a second amount based on a preset settlement rule when the overdue order is received. The allocation module is used to allocate the first amount to the account of the overdue payment management platform and the second amount to the account of the parking lot management party.

[0015] According to a third aspect of this application, one embodiment provides a computer device including a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, wherein the processor implements the above-described method for collecting overdue payments when executing the computer-readable instructions.

[0016] According to a fourth aspect of this application, one embodiment provides a readable storage medium having computer-readable instructions stored thereon, which, when executed by a processor, implement the overdue payment collection method.

[0017] According to the overdue payment collection method in the above embodiments, the overdue payment management platform uniformly obtains the overdue payment orders from the parking lot management, generates corresponding overdue payment reminders based on preset collection modes, pushes the overdue payment reminders to the overdue payment owners, and redirects them to the corresponding payment interface based on the collection mode when the overdue payment owner clicks on the overdue payment reminder notification. This not only enables centralized overdue payment processing in open parking scenarios with multiple parking lots, avoiding repeated searching and payment by car owners across different channels, thus significantly improving collection efficiency and user experience, but also allows for differentiated configuration of collection modes to select appropriate overdue payment reminders according to the needs of different parking lots, making the overdue payment process more flexible and adaptable. Attached Figure Description

[0018] Figure 1 This is one of the flowcharts illustrating a method for recovering overdue payments in an embodiment of the present invention; Figure 2 This is a second flowchart illustrating the overdue payment collection method in one embodiment of the present invention; Figure 3 This is the third flowchart of a method for recovering overdue payments in one embodiment of the present invention; Figure 4This is the fourth flowchart of a method for recovering overdue payments in one embodiment of the present invention; Figure 5 This is the fifth flowchart of a method for recovering overdue payments in one embodiment of the present invention; Figure 6 This is a flowchart of the overdue payment collection method in one embodiment of the present invention, number six. Figure 7 This is the seventh flowchart of a method for recovering overdue payments in one embodiment of the present invention; Figure 8 This is a schematic diagram of a debt collection device according to an embodiment of the present invention; Figure 9 This is a schematic diagram of a computer device according to an embodiment of the present invention. Detailed Implementation

[0019] The present invention will now be described in further detail with reference to specific embodiments and accompanying drawings. Similar elements in different embodiments are referred to by associated similar element reference numerals. In the following embodiments, many details are described to facilitate a better understanding of this application. However, those skilled in the art will readily recognize that some features may be omitted in different situations, or may be replaced by other elements, materials, or methods. In some cases, certain operations related to this application are not shown or described in the specification. This is to avoid obscuring the core parts of this application with excessive description. For those skilled in the art, detailed description of these related operations is not necessary; they can fully understand the related operations based on the description in the specification and general technical knowledge in the art.

[0020] Furthermore, the features, operations, or characteristics described in the specification can be combined in any suitable manner to form various embodiments. At the same time, the steps or actions in the method description can be rearranged or adjusted in a manner obvious to those skilled in the art. Therefore, the various orders in the specification and drawings are only for the clear description of a particular embodiment and do not imply a necessary order, unless otherwise stated that a particular order must be followed.

[0021] The serial numbers assigned to components in this document, such as "first" and "second," are used only to distinguish the described objects and have no sequential or technical meaning. Unless otherwise specified, the terms "connection" and "linkage" used in this application include both direct and indirect connections (linkages).

[0022] In one embodiment, such as Figure 1 As shown, a method for collecting overdue fees is provided. This method is applied to an overdue fee management platform, which is connected to at least one parking lot management entity. The method includes the following steps: 101. Obtain the parking lot management's outstanding payment order.

[0023] In this embodiment of the invention, the above-mentioned overdue payment collection method can be applied to an overdue payment management platform, which can be constructed by a server or server cluster. The server or server cluster can be any electronic device with functions such as data processing, data analysis, data transmission, and data storage.

[0024] The parking lot management entity can be an operator of on-street parking, a parking management agency for shopping malls or office buildings, or a community property management company or other entity with parking resources. An outstanding payment order is an electronic order generated by the parking lot system when a car owner fails to pay on time during parking. It typically includes the license plate number, parking start and end times, amount due, amount owed, and duration of arrears. The car owner with the outstanding payment can be the user or registered owner of the vehicle corresponding to the order; their identity is usually confirmed through license plate recognition or registered account.

[0025] The aforementioned overdue payment orders correspond to information about the vehicle owners who owe fees and the collection methods. The collection method can be a pre-set overdue payment handling strategy, instructing vehicle owners on which path to complete the payment, such as directing them to the parking lot management's payment page or the unified payment portal of the overdue payment management platform. By indicating the collection method in the order, the platform can select the appropriate payment method in different application scenarios, ensuring flexibility in the reminder and payment process. The aforementioned overdue payment vehicle owner information includes at least the contact information of the overdue vehicle owner, such as the owner's phone number, email address, or the owner's terminal registration information.

[0026] The overdue payment management platform receives overdue payment orders synchronized from the parking lot management. These orders include information about the vehicle owner with overdue payments, as well as the amount owed and the duration of the overdue payment. When an order is generated, a collection mode identifier is attached to determine the method for generating subsequent reminders and the payment path. By directly recording the collection mode in the order, the platform can automatically differentiate between different business needs during subsequent processing, thereby pushing appropriate overdue payment reminders to vehicle owners and guiding them to complete the payment.

[0027] 102. Based on the collection mode, generate overdue payment reminders for the overdue orders.

[0028] In this embodiment of the invention, after receiving an overdue payment order, the platform first parses the collection mode identifier carried in the order and generates a reminder message (i.e., an overdue payment reminder notification) corresponding to the overdue payment order based on the identifier. The reminder message not only includes core data such as the amount owed by the vehicle owner and the duration of the overdue payment, but also configures the corresponding payment path according to the requirements of the collection mode.

[0029] For example, assuming there are two collection methods, one method could be to embed a payment link from the parking lot management in the reminder, guiding the car owner to the parking lot to complete the payment; the other method could be to embed a unified payment portal from the platform (i.e., the overdue payment management platform) in the reminder, allowing the car owner to complete the payment directly on the platform page.

[0030] The overdue payment reminders generated in the above manner can flexibly adapt to the business needs of different parking lots, thereby ensuring the consistency between the reminder content and the payment path and improving the efficiency of vehicle owners in making up for overdue payments.

[0031] 103. Based on the information of the car owner who owes money, push the overdue payment reminder to the corresponding car owner. When the car owner who owes money clicks on the overdue payment reminder, he / she will be redirected to the corresponding payment interface in the collection mode to make up the overdue payment.

[0032] In this embodiment of the invention, the generated overdue payment reminder notification will be promptly pushed to the vehicle owner's terminal, so that the vehicle owner can be informed of the overdue payment status and complete the payment as soon as possible. The push method can be diversified, such as displaying the overdue payment details on the vehicle owner's terminal interface via mobile application push notifications or pop-up prompts, or sending the overdue payment reminder notification via SMS gateway, ensuring that the vehicle owner can receive the notification even if they are not using the application. In some scenarios, it can also be combined with channels such as WeChat official accounts and mini-programs to cover different usage habits.

[0033] The reminder notification typically includes the order number, license plate number, amount owed, and payment portal (i.e., payment link), enabling car owners to quickly locate the reason for the overdue payment and click on the overdue payment reminder notification to be redirected to the corresponding payment interface (i.e., the payment interface corresponding to the collection mode, such as the payment interface of the parking lot management or the payment interface of the overdue payment management platform) to pay the overdue payment.

[0034] The aforementioned multi-channel push mechanism improves the reach of reminders and reduces the problem of delayed payment of overdue fees due to information omissions.

[0035] In this embodiment of the invention, overdue payment orders from parking lot management are obtained. These orders correspond to information about the vehicle owner with outstanding payments and a collection mode. Based on the collection mode, an overdue payment reminder notification is generated for each order. Based on the vehicle owner's information, the reminder notification is pushed to the corresponding vehicle owner. When the vehicle owner clicks the reminder notification, they are redirected to the corresponding payment interface to make up the outstanding payment. The overdue payment management platform centrally obtains overdue payment orders from parking lot management and generates corresponding reminder notifications based on preset collection modes. These reminders are pushed to the vehicle owners, and when they click the notification, they are redirected to the corresponding payment interface to make up the outstanding payment. This not only enables centralized overdue payment processing in open parking scenarios with multiple parking lots, avoiding repeated searching and payment by vehicle owners across different channels, thus significantly improving payment efficiency and user experience, but also allows for differentiated configuration of collection modes to select appropriate reminders based on the needs of different parking lots, making the payment process more flexible and adaptable.

[0036] It is understood that in the specific implementation of this application, data related to overdue vehicle owner information, overdue orders, overdue reminders, and overdue duration are involved. When the embodiments in this application are applied to specific products or technologies, user permission or consent is required. Furthermore, the collection, use, and processing of related data, as well as the use and processing of pop-up prompts, message pushes, and SMS notifications, must comply with the relevant laws, regulations, and standards of the relevant countries and regions.

[0037] Reference Figure 2 , Figure 2 This is a second flowchart illustrating the overdue payment collection method in one embodiment of the present invention; in another embodiment of the present invention, the method further includes: 201. Upon receiving the payment result for an overdue order, based on the preset settlement rules, the payment amount corresponding to the payment result is split into a first amount and a second amount; 202. The first amount shall be allocated to the account of the overdue payment management platform, and the second amount shall be allocated to the account of the parking lot management.

[0038] In this embodiment of the invention, the first amount may be a portion of the service fees obtained by the platform in providing overdue payment reminders, payment channels, and settlement services; the second amount may be the portion of the overdue payment that the corresponding parking lot management should actually receive. The payment result may be feedback information returned by the payment channel after the car owner completes the payment operation, including payment status, payment time, and payment amount. The payment amount may be the total amount actually paid by the car owner during the payment process, which includes both the overdue payment that the parking lot management should receive and the service fees collected by the platform according to the settlement rules.

[0039] Specifically, when the platform receives the payment result, it first confirms that the payment status is successful and reads the payment amount. Then, the platform splits the amount according to preset settlement rules. For example, when the arrears period is less than one month, it is divided into the first amount according to a ratio of x%, and the remaining part is the second amount; when the arrears period exceeds a certain threshold, it is split according to another ratio.

[0040] Through the above method, the first amount is transferred to the platform account, and the second amount is transferred to the parking lot management account, realizing automated fund settlement and distribution processing, avoiding manual intervention, and improving overall processing efficiency and accuracy.

[0041] Reference Figure 3 , Figure 3 This is a flowchart illustrating the overdue payment collection method in one embodiment of the present invention; in one embodiment of the present invention, the overdue order also corresponds to the overdue period. Based on preset settlement rules, the amount to be paid is split to obtain a first amount and a second amount, including: 301. Determine the corresponding splitting coefficient based on the overdue payment duration and the preset duration threshold group; 302. Based on the splitting coefficient and the supplementary payment amount, the first amount is calculated; 303. Based on the supplementary payment amount and the first amount, the second amount is calculated.

[0042] In this embodiment of the invention, the splitting coefficient can be a proportional parameter positively correlated with the duration of arrears, used to determine the distribution of the supplementary payment amount between the platform and the parking lot management. As the duration of arrears increases, the splitting coefficient also increases, enabling the platform to charge a higher percentage of service fees when processing long-term arrears orders, thereby compensating for the greater investment in reminders, settlements, and management.

[0043] Specifically, the preset duration threshold group includes multiple duration thresholds, each corresponding to a splitting coefficient. For example, arrears exceeding one month correspond to the first splitting coefficient, exceeding two months to the second, and exceeding three months to the third. Each duration threshold and its corresponding splitting coefficient are positively correlated; that is, the longer the arrears duration, the larger the corresponding splitting coefficient. After receiving the overdue payment, the platform first matches the corresponding splitting coefficient based on the arrears duration, then calculates the first amount, and subtracts the first amount from the overdue payment to obtain the second amount. This segmented, positively correlated coefficient design allows for flexible handling of different arrears durations, ensuring the fairness and reasonableness of the settlement method, while also increasing the platform's motivation in recovering long-term arrears.

[0044] For example, a set of time thresholds can be preset for parking lot park1, including: a splitting coefficient of 0.02 for overdue payments exceeding one month; a splitting coefficient of 0.03 for overdue payments exceeding two months; and a splitting coefficient of 0.04 for overdue payments exceeding three months. Assuming a car owner's overdue order information shows an overdue period of 2.5 months, the platform will select a splitting coefficient of 0.03 corresponding to the above time thresholds when matching the time thresholds. Subsequently, the platform calculates the amount due based on the above splitting coefficients, resulting in a first amount of 3% of the due amount and a second amount of the due amount minus the first amount. Finally, the first amount is transferred to the platform account, and the second amount is transferred to the parking lot management account. Through the above mapping relationship based on time thresholds and splitting coefficients, automated amount splitting can be achieved, ensuring that the distribution results show a reasonable proportional change as the overdue period increases.

[0045] Reference Figure 4 , Figure 4 This is the fourth flowchart of an embodiment of the overdue payment collection method of the present invention; in one embodiment of the present invention, the collection mode is a first collection mode or a second collection mode, and based on the collection mode, an overdue payment reminder notification corresponding to the overdue order is generated, including: 401. When the collection mode is the first collection mode, obtain the parking lot payment link of the parking lot management and generate an overdue payment reminder notification based on the parking lot payment link. When the overdue payment reminder notification is clicked, the overdue payment will be redirected to the corresponding payment interface of the parking lot management to pay the overdue payment. 402. When the collection mode is the second collection mode, obtain the overdue payment link from the overdue payment management platform, and generate an overdue payment reminder notification based on the overdue payment payment link. When the overdue payment reminder notification is clicked, the overdue payment management platform will redirect the vehicle owner to the corresponding payment interface to make up the overdue payment.

[0046] In this embodiment of the invention, the first collection mode can be understood as the parking lot management directly providing a payment channel. In this mode, after the car owner clicks on the overdue payment reminder, he / she will be guided to the parking lot management's payment page to make up the payment. The second collection mode can be understood as the overdue payment management platform uniformly providing a payment portal. After receiving the reminder, the car owner will directly enter the platform's payment page to complete the payment.

[0047] Parking lot payment links can be online payment addresses configured by the parking lot management, such as redirections to WeChat official accounts, mini-programs, or dedicated payment pages within the parking lot, used to enable direct payment interaction between car owners and the parking lot. Overdue payment links can be payment entry addresses uniformly generated by the overdue payment management platform, typically provided by the platform's payment module, used for centralized processing of overdue payment orders from different parking lots.

[0048] Specifically, when an order corresponds to the first collection mode, the platform extracts the payment link from the parking lot management's configuration information and embeds it in the generated overdue payment reminder notification. This allows the car owner to directly access the parking lot's payment page to complete the payment. When an order corresponds to the second collection mode, the platform generates a unified payment link and embeds it in the generated overdue payment reminder notification. This guides the car owner through the overdue payment reminder notification and redirects them to the corresponding payment interface on the overdue payment management platform to make the payment. This flexible switching between the two modes not only adapts to the operational needs of different parking lot management entities but also improves the overdue payment experience for car owners in various scenarios.

[0049] It should be noted that both collection methods are functionally capable of recovering overdue payments; the main difference lies in the payment path and settlement method. Parking lot management can choose according to their actual needs. For example, if they have a mature online payment system, they can use the first collection method, while if they wish to reduce management costs and have the platform handle everything centrally, they can choose the second collection method. This ensures both flexibility and applicability in different scenarios.

[0050] Reference Figure 5 , Figure 5 This is the fifth flowchart of a method for collecting overdue payments in one embodiment of the present invention; in one embodiment of the present invention, sending an overdue payment reminder notification to the corresponding overdue vehicle owner includes: 501. Send a pop-up notification to the terminal of the vehicle owner in arrears to display an arrears reminder on the terminal, and / or send an arrears reminder to the vehicle owner in arrears via push notification or SMS notification.

[0051] In this embodiment of the invention, the pop-up notification instruction can be an interface display control instruction generated by the overdue payment management platform. After the instruction is executed in the application environment of the vehicle owner's terminal, the overdue payment reminder will be displayed in the form of a pop-up window on the front of the screen, so that the vehicle owner can know the overdue payment status directly without additional operation.

[0052] The aforementioned message push can be a data transmission request established through the push channel between the platform and the mobile application, such as a push service based on the mobile operating system, which delivers overdue payment reminders to the car owner's terminal in the form of a notification bar or in-app message.

[0053] The aforementioned SMS notification can be a text message sent through the operator's SMS gateway. The text message contains information such as the order number, the amount owed, and the payment portal to ensure that the car owner can receive the payment reminder in a timely manner even if they do not use the application.

[0054] Specifically, after generating an overdue payment reminder, the platform can select one or more push methods to send the reminder to the car owner based on the car owner's information.

[0055] For example, in mobile applications, the platform calls the push service interface to send pop-up notifications, displaying the outstanding payment information directly on the car owner's phone screen. If the application is not installed, the platform can send a text notification containing a payment link via an SMS gateway. This combination of pop-ups, push notifications, and SMS messages maximizes the reach and timeliness of overdue payment reminders, helping car owners quickly make payments and reducing further accumulation of debt due to information delays or omissions.

[0056] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0057] Reference Figure 6 , Figure 6 This is a flowchart illustrating the overdue payment collection method in one embodiment of the present invention. In one embodiment of the present invention, the overdue payment collection method may specifically include the following steps: The terminals involved in overdue payment collection include third-party platforms (i.e., parking lot management entities), open platforms, and collection centers (i.e., overdue payment management platforms). The aforementioned open platform serves as an intermediary service module connecting the parking lot management entity and the overdue payment management platform. It primarily handles data transmission and interface management, receiving overdue payment records pushed by third-party platforms, parsing and converting these records according to a preset protocol format, and then pushing them to the overdue payment management platform. This ensures that data from different parking lot management entities can be recognized and processed by the overdue payment management platform using a unified standard.

[0058] Specifically, the third-party platform first pushes the generated overdue payment record (i.e., overdue order) to the open platform. The overdue payment record includes information such as the license plate number, parking time, overdue amount, and parking lot signage, which facilitates subsequent overdue payment reminders and collection processing.

[0059] Upon receiving an overdue payment record, the open platform verifies and standardizes the data to ensure that the data format and field integrity meet requirements. After processing, the open platform pushes the overdue payment record to the overdue payment management platform, enabling the platform to generate collection information based on the order details.

[0060] Upon receiving an overdue payment record, the overdue payment management platform will immediately initiate an online collection process. For example, the platform will generate a corresponding overdue payment reminder notification based on the collection mode in the order and reach the car owner through pop-up notifications, push notifications, or SMS messages.

[0061] When a car owner clicks on the overdue payment reminder on the terminal and enters the payment page, if the corresponding mode is the first collection mode, the reminder will guide the car owner to the payment page of a third-party platform, thereby completing the payment operation within the parking lot management system.

[0062] After the car owner completes the payment, the third-party platform will send an asynchronous notification of payment success to the open platform. The notification includes information such as the payment result, order number, and payment amount.

[0063] After receiving the asynchronous notification of successful payment, the open platform will perform data verification again and push the successful payment result to the overdue payment management platform in the form of a notification.

[0064] After receiving a payment success notification, the overdue payment management platform will update the status of the overdue order, mark it as successfully recovered, and trigger subsequent settlement logic or status archiving operations to complete the entire recovery process.

[0065] Reference Figure 7 , Figure 7 This is the seventh flowchart of a debt collection method in one embodiment of the present invention. In one embodiment of the present invention, the debt collection method may specifically include the following steps: The terminals involved in the collection of overdue payments include the order server, payment platform, operation management platform, and settlement platform. It should be noted that the order server, payment platform, operation management platform, and settlement platform can all be deployed in the aforementioned overdue payment management platform, or the aforementioned overdue payment management platform can call the aforementioned order server, payment platform, operation management platform, and settlement platform through data interfaces.

[0066] Specifically, when leaving the parking lot, car owners can check outstanding orders through the order server. If there are outstanding fees, the order server will generate a payment request and submit it to the payment platform. The payment platform will return the corresponding pre-payment parameters, and the order server will then send these parameters back to the car owner's terminal, enabling the car owner to complete the subsequent payment process.

[0067] After the car owner completes the payment and the payment platform returns a payment success notification, the notification will include an outstanding order identifier and be sent back to the order server. Upon receiving the payment success notification, the order server will send a request to the operations management platform to query the revenue sharing configuration. Based on the parking lot management's configuration and the duration of the outstanding payment, the operations management platform will return the corresponding settlement rules to the order server.

[0068] After receiving the settlement rules, the order server matches them with the order payment information and synchronizes the order settlement rules to the settlement platform. The settlement platform determines a splitting coefficient based on the outstanding payment duration and preset settlement rules, and then splits the outstanding amount into a first amount due to the platform and a second amount due to the parking lot management, ultimately completing the fund settlement process.

[0069] Through the above steps, a complete process can be achieved, from querying overdue orders, making payments, configuring profit sharing, to automated settlement, enabling the recovery of funds after overdue payments are made.

[0070] It should be noted that the above Figure 6 as well as Figure 7 All the overdue payment recovery methods provided are effective; the main differences lie in the payment path and settlement method. The specific method chosen can be based on actual needs. For example, if the parking lot management has remote payment capabilities and wishes to retain its own payment collection channel, it can use... Figure 6 As shown, after receiving the overdue payment reminder, the car owner is redirected to the parking lot management's payment page to complete the payment; however, if the parking lot management prefers the platform to handle payment and settlement centrally, then... Figure 7 As shown, after the vehicle owner completes the supplementary payment on the platform page, the settlement platform automatically completes the revenue sharing according to preset rules. The above two methods correspond to the first and second recovery modes mentioned in the claims, respectively. Through flexible configuration, they can meet the actual needs of different parking lot management parties, while ensuring the uniformity and scalability of the overall recovery process of the platform.

[0071] In one embodiment, a debt collection device is provided, which corresponds one-to-one with the debt collection methods described in the above embodiments. For example... Figure 8 As shown, the overdue payment collection device includes an acquisition module 801, a generation module 802, and a push module 803. Detailed descriptions of each functional module are as follows: The acquisition module 801 is used to acquire the parking lot management's overdue payment orders, which correspond to the information of the overdue car owners and the collection mode; The generation module 802 is used to generate an overdue payment reminder notification corresponding to the overdue order based on the collection mode; The push module 803 is used to push the overdue payment reminder notification to the corresponding overdue payment owner based on the overdue payment owner information. When the overdue payment owner clicks on the overdue payment reminder notification, he / she is redirected to the corresponding payment interface based on the collection mode to make up the overdue payment.

[0072] Optionally, the device further includes: The splitting module is used to split the amount due to the overdue order into a first amount and a second amount based on a preset settlement rule when the overdue order is received. The allocation module is used to allocate the first amount to the account of the overdue payment management platform and the second amount to the account of the parking lot management party.

[0073] Optionally, the overdue order also corresponds to an overdue period, and the splitting module is further used for: Based on the overdue payment duration and the preset duration threshold group, the corresponding splitting coefficient is determined; The first amount is calculated based on the splitting coefficient and the supplementary payment amount; The second amount is calculated based on the supplementary payment amount and the first amount.

[0074] Optionally, the preset duration threshold group includes multiple duration thresholds, each duration threshold corresponds to a splitting coefficient, and each duration threshold is positively correlated with the corresponding splitting coefficient.

[0075] Optionally, the recovery mode is either a first recovery mode or a second recovery mode, and the generation module 802 is further configured to: When the collection mode is the first collection mode, the parking lot payment link of the parking lot management party is obtained, and the overdue payment reminder notification is generated based on the parking lot payment link. When the overdue payment reminder notification is clicked, the overdue payment reminder notification is redirected to the payment interface of the parking lot management party to pay the overdue payment. When the collection mode is the second collection mode, the overdue payment link of the overdue payment management platform is obtained, and the overdue payment reminder notification is generated based on the overdue payment payment link. When the overdue payment vehicle owner clicks the overdue payment reminder notification, he / she is redirected to the payment interface corresponding to the overdue payment management platform to make up for the overdue payment.

[0076] Optionally, the push module 803 is further configured to: Send a pop-up notification to the terminal of the vehicle owner in arrears to display the arrears reminder on the terminal, and / or send the arrears reminder to the vehicle owner in arrears via push notification or SMS notification.

[0077] Each module in the aforementioned overdue payment collection device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0078] In one embodiment, a computer device is provided, which may be a terminal device, and its internal structure diagram may be as follows: Figure 9 As shown, the computer device includes a processor, memory, and network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes a readable storage medium storing computer-readable instructions. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer-readable instructions implement a method for collecting overdue payments. The readable storage medium provided in this embodiment includes both non-volatile and volatile readable storage media.

[0079] In this application embodiment, a computer device is provided, including a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor. When the processor executes the computer-readable instructions, it implements the steps of the above-described overdue payment collection method.

[0080] In one embodiment of the application, a readable storage medium is provided, which stores computer-readable instructions. When the computer-readable instructions are executed by a processor, they implement the steps of the above-described overdue payment collection method.

[0081] Those skilled in the art will understand that all or part of the functions of the various methods in the above embodiments can be implemented by hardware or by computer programs. When all or part of the functions in the above embodiments are implemented by computer programs, the program can be stored in a computer-readable storage medium, which may include: read-only memory, random access memory, disk, optical disk, hard disk, etc., and the program is executed by a computer to achieve the above functions. For example, the program can be stored in the memory of a device, and when the program in the memory is executed by the processor, all or part of the above functions can be achieved. In addition, when all or part of the functions in the above embodiments are implemented by computer programs, the program can also be stored in a server, another computer, disk, optical disk, flash drive, or external hard drive, etc., and can be downloaded or copied to the memory of a local device, or the system of the local device can be updated. When the program in the memory is executed by the processor, all or part of the functions in the above embodiments can be achieved.

[0082] The above examples illustrate the present invention only to aid in understanding it and are not intended to limit the scope of the invention. Those skilled in the art can make various simple deductions, modifications, or substitutions based on the principles of this invention.

Claims

1. A method for collecting overdue payments, characterized in that, The method is applied to an overdue payment management platform, which interfaces with at least one parking lot management entity. The method includes: Obtain the parking lot management's overdue payment orders, which correspond to information on the car owners who owe money and the collection methods. Based on the collection mode, generate an overdue payment reminder notification for the overdue order; Based on the information of the vehicle owner in arrears, the arrears reminder notification will be pushed to the corresponding vehicle owner. When the vehicle owner clicks on the arrears reminder notification, they will be redirected to the corresponding payment interface based on the collection mode to make up the arrears.

2. The overdue payment collection method as described in claim 1, characterized in that, The method further includes: Upon receiving the payment result for the overdue order, the payment amount corresponding to the payment result is split into a first amount and a second amount based on the preset settlement rules; The first amount is allocated to the account of the overdue payment management platform, and the second amount is allocated to the account of the parking lot management party.

3. The overdue payment collection method as described in claim 2, characterized in that, The overdue order also corresponds to an overdue period. Based on preset settlement rules, the supplementary payment amount is split into a first amount and a second amount, including: Based on the overdue payment duration and the preset duration threshold group, the corresponding splitting coefficient is determined; The first amount is calculated based on the splitting coefficient and the supplementary payment amount; The second amount is calculated based on the supplementary payment amount and the first amount.

4. The overdue payment collection method as described in claim 3, characterized in that, The preset duration threshold group includes multiple duration thresholds, each duration threshold corresponds to a splitting coefficient, and each duration threshold is positively correlated with the corresponding splitting coefficient.

5. The method for collecting overdue payments as described in any one of claims 1 to 4, characterized in that, The collection mode is either the first collection mode or the second collection mode. The step of generating an overdue payment reminder notification for the overdue order based on the collection mode includes: When the collection mode is the first collection mode, the parking lot payment link of the parking lot management party is obtained, and the overdue payment reminder notification is generated based on the parking lot payment link. When the overdue payment reminder notification is clicked, the overdue payment reminder notification is redirected to the payment interface of the parking lot management party to pay the overdue payment. When the collection mode is the second collection mode, the overdue payment link of the overdue payment management platform is obtained, and the overdue payment reminder notification is generated based on the overdue payment payment link. When the overdue payment vehicle owner clicks the overdue payment reminder notification, he / she is redirected to the payment interface corresponding to the overdue payment management platform to make up for the overdue payment.

6. The method for collecting overdue payments as described in any one of claims 1 to 4, characterized in that, The step of sending the overdue payment reminder to the corresponding vehicle owner with outstanding payment includes: Send a pop-up notification to the terminal of the vehicle owner in arrears to display the arrears reminder on the terminal, and / or send the arrears reminder to the vehicle owner in arrears via push notification or SMS notification.

7. A device for collecting overdue payments, characterized in that, include: The acquisition module is used to acquire the parking lot management's overdue payment orders, which correspond to information on the overdue vehicle owners and the collection mode. The generation module is used to generate an overdue payment reminder notification corresponding to the overdue order based on the collection mode; The push module is used to push the overdue payment reminder notification to the corresponding overdue payment owner based on the overdue payment owner information. When the overdue payment owner clicks on the overdue payment reminder notification, he / she is redirected to the corresponding payment interface based on the collection mode to make up the overdue payment.

8. The overdue payment collection device as described in claim 7, characterized in that, The device further includes: The splitting module is used to split the amount due to the overdue order into a first amount and a second amount based on a preset settlement rule when the overdue order is received. The allocation module is used to allocate the first amount to the account of the overdue payment management platform and the second amount to the account of the parking lot management party.

9. A computer device comprising a memory, a processor, and computer-readable instructions stored in the memory and running on the processor, characterized in that, When the processor executes the computer-readable instructions, it implements the overdue payment collection method as described in any one of claims 1 to 6.

10. A readable storage medium having computer-readable instructions stored thereon, characterized in that, When the computer-readable instructions are executed by a processor, they implement the overdue payment collection method as described in any one of claims 1 to 6.

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