Smart Installment System

Abstract

A smart installment payment system includes a processing unit and a storage unit. The storage unit stores a recommended installment model, a penalty discount model, a target user identification code, and multiple target user account details corresponding to the target user identification code. The processing unit generates multiple target recommended installment tags corresponding to the target user identification code based on the target user account details, and inputs these target recommended installment tags into the recommended installment model to generate recommended installment plan data. The processing unit also generates multiple target recommended settlement tags corresponding to the target user identification code based on the target user account details, and inputs these target recommended settlement tags into the penalty discount model to generate penalty discount determination data.

Claims

1. A smart installment payment system, comprising: a processing unit; and a storage unit electrically connected to the processing unit, storing a pre-trained recommended installment model, a penalty discount model, a target user identification code corresponding to a user, and multiple target user account information corresponding to the target user identification code; the processing unit generating multiple target recommended installment tags corresponding to the target user identification code based on the target user account information; the processing unit inputting the target recommended installment tags into the recommended installment model to generate recommended installment plan information; and the processing unit generating multiple target recommended settlement tags corresponding to the target user identification code based on the target user account information.

2. The smart installment system as described in claim 1, wherein, One of the target user's account information is installment application information, and one of the target recommended installment labels is an installment application period label. The installment application information includes multiple installment application dates. For each installment application date, when the processing unit determines that the installment application date is less than a first application date, it generates an installment application period corresponding to the installment application date, wherein the installment application period indicates an installment application at the beginning of the month. When the processing unit determines that the installment application date is greater than or equal to the first application date and less than a second application date, it generates the installment application period corresponding to the installment application date, wherein the installment application period indicates an installment application in the middle of the month. When the processing unit determines that the installment application date is greater than or equal to the first application date and greater than or equal to the second application date, it generates the installment application period corresponding to the installment application date, wherein the installment application period indicates an installment application at the end of the month. The processing unit generates an application installment period label based on the application installment period, wherein the application installment period label indicates one of the following: application installment at the end of the month, application installment in the middle of the month, and application installment at the end of the month.

3. The smart installment system as described in claim 1, wherein, One of the target user's account information is a special store information, and one of the target recommended installment tags is a special store tag. The special store information includes multiple special store categories. The processing unit generates the special store tag based on the special store categories, wherein the special store tag indicates the special store categories that the user frequently consumes.

4. The smart installment system as described in claim 1, wherein, One of the target user's account information is a payment record, and one of the target recommended installment labels is a payment risk label. The payment record includes multiple payment records, each indicating one of full payment, partial payment, minimum payment, and no payment. The processing unit generates the payment risk label based on these payment records, wherein the payment risk label indicates the risk level of the user's payment ability.

5. The smart installment system as described in claim 1, wherein, One of the target user's account information is existing installment burden information, and one of the target recommended installment labels is an existing installment burden risk label. The existing installment burden information includes a current installment amount and an amount already paid in installments. The processing unit generates the existing installment burden risk label based on the ratio of the current installment amount to the amount already paid in installments. The existing installment burden risk label indicates the risk level of the user's ability to pay after applying for installments.

6. The smart installment system as described in claim 1, wherein, One of the target user's account information is bank advance information, and one of the target recommended installment labels is a bank advance label. The bank advance information includes a current advance amount. The processing unit generates the bank advance label based on the current advance amount, wherein the bank advance label indicates the level of the bank's advance cost in the current period.

7. The smart installment system as described in claim 1, wherein, The storage unit also stores multiple reference user identification codes, multiple reference user account information corresponding to each reference user identification code, and multiple installment plan information corresponding to each reference user identification code. For each reference user identification code, the processing unit generates multiple reference recommended installment tags corresponding to that reference user identification code based on the corresponding reference user account information. The recommended installment model is generated by machine learning using the reference recommended installment tags corresponding to each reference user identification code and the installment plan information corresponding to that reference user identification code, wherein the recommended installment plan information is one of the installment plan information.

8. The smart installment system as described in claim 1, wherein, One of the target user's account information is a user identity information, and one of the target recommended settlement tags is a bank identity tag; the processing unit generates the bank identity tag based on the user identity information, wherein the bank identity tag indicates the user's identity at the bank.

9. The smart installment system as described in claim 1, wherein, One of the target user's account information is payment record information, and one of the target recommended settlement labels is a label for three consecutive periods of non-payment. The payment record information includes multiple payment records corresponding to multiple periods of non-payment, and each payment record indicates one of full payment, partial payment, minimum payment, and non-payment. The processing unit generates the label for three consecutive periods of non-payment based on the payment records, wherein the label for three consecutive periods of non-payment indicates whether the user has failed to pay for three consecutive periods.

10. The smart installment system as described in claim 1, wherein, One of the target user's account information is revolving credit information, and one of the target recommended settlement labels is a revolving ratio risk label. The revolving credit information includes a current revolving ratio. The processing unit generates the revolving ratio risk label based on the current revolving ratio, wherein the revolving ratio risk label indicates whether the user's revolving ratio is too high.

11. The smart installment system as described in claim 1, wherein, The storage unit also stores a specific installment activity list, which includes multiple specific installment product information, one of the target user's account information being an installment product information, and one of the target recommended settlement tags being a specific installment activity tag; when the processing unit determines that the installment product information matches one of the specific installment product information, it generates a specific installment activity tag indicating that the installment product information matches the specific activity.

12. The smart installment system as described in claim 1, wherein, One of the target user's account information is a user identity information, and one of the target recommended settlement tags is a special identity tag; the processing unit generates the special identity tag based on the user identity information, wherein the special identity tag indicates the user's special identity category.

13. The smart installment system as described in claim 1, wherein, The storage unit also stores a list of non-redeemable installment products, which includes multiple non-redeemable installment product details. One of the target user's account details is an installment product detail, and one of the target recommended settlement tags is a non-redeemable installment activity tag. When the processing unit determines that the installment product detail matches one of the non-redeemable installment product details, it generates a non-redeemable installment activity tag indicating that the installment product detail cannot be deducted.

14. The smart installment system as described in claim 1, wherein, The storage unit also stores a list of installment payment products eligible for waiver, which includes multiple installment payment product details. One of the target user's account details is an installment payment product detail, and one of the target recommended settlement tags is an installment payment activity tag. When the processing unit determines that the installment payment product detail meets one of the installment payment product details eligible for waiver, it generates an installment payment activity tag indicating that the installment payment product detail is eligible for waiver of penalty fees.

15. The smart installment system as described in claim 1, adapted to communicate with a user-end device controlled by the user, wherein, The processing unit is electrically connected to the user terminal device, and the storage unit also stores an assistant model; the processing unit inputs the recommended installment plan data into the assistant model to generate a recommended installment suggestion corresponding to the recommended installment plan data; the processing unit transmits the recommended installment suggestion to the user terminal device; the processing unit inputs a penalty discount judgment data into the assistant model to generate a settlement suggestion corresponding to the penalty discount judgment data; the processing unit transmits the settlement suggestion to the user terminal device.

Images