Deduction method, device, computer equipment, storage medium and program product

Abstract

The present application relates to a method, device, computer equipment, storage medium and computer program product for deduction. For each deduction information in the current period deduction list obtained in advance, a dispute handling link that can be associated with a dispute handling interface corresponding to the deduction information is generated according to the identifier of the deduction information; the reminder time corresponding to the deduction information is determined, and when the reminder time arrives, a deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information is sent to the user device, and according to the user's operation on the dispute handling link based on the deduction information, it is determined whether to perform a deduction operation on the deduction information; that is, before performing automatic deduction, the key field information and the dispute handling link in the deduction information can be sent to the user device, and the problem of dispute transactions caused by the bank's active participation in the deduction of disputed deduction information is avoided, which simplifies the processing flow of disputed transactions and improves the timeliness of disputed transaction processing.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence recognition and classification technology, and in particular to a fee deduction method, apparatus, computer equipment, storage medium and computer program product. Background Art

[0002] With the continuous upgrading of banking business, automatic bank deduction business has emerged. This automatic deduction business means that the bank automatically deducts certain fees from the customer's account that have been approved in advance by the customer, such as water, electricity, gas, network broadband fees, automatic repayment deductions for credit card bindings, automatic deductions for car and house loans, etc.

[0003] In traditional technology, for automatic deduction business, banks usually automatically deduct fees when the deduction time arrives based on the deduction list provided by the deductor; after the deduction is successful, the deductor sends the deduction information to the customer. If the customer determines that there is a dispute about the deduction based on the deduction information, the customer inquires about the deductor corresponding to the disputed transaction through the bank's manual customer service. After negotiation with the deductor, the bank refunds the disputed transaction after the deductor initiates a refund transaction.

[0004] However, the existing method of handling disputed transactions generated by automatic deduction business is relatively cumbersome, resulting in poor timeliness in handling disputed transactions. Summary of the invention

[0005] Based on this, it is necessary to provide a fee deduction method, device, computer equipment, storage medium and computer program product that can simplify the dispute transaction processing process and improve the timeliness of dispute transaction processing in response to the above technical problems.

[0006] In a first aspect, the present application provides a fee deduction method, the method comprising:

[0007] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0008] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0009] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0010] In one embodiment, the dispute handling interface also includes a charge suspension component and a dispute reason input component.

[0011] In one embodiment, determining whether to perform a deduction operation on the deduction information according to an operation of the user on the dispute handling link based on at least one preset field in the deduction information includes:

[0012] When a charge suspension instruction is received from a user device, when the charge suspension time arrives, it is prohibited to perform charge suspension operations on the charge suspension information; the charge suspension instruction is an instruction generated in response to the user triggering the charge suspension component on the dispute handling interface.

[0013] In one of the embodiments, the charge suspension instruction carries a dispute reason for the charge information, where the dispute reason is information input by the user in response to a dispute reason input component.

[0014] In one embodiment, determining whether to perform a deduction operation on the deduction information according to an operation of the user on the dispute handling link based on at least one preset field in the deduction information further includes:

[0015] In the case where no instruction to terminate deduction is received from the user device, when the deduction time arrives, it is determined to perform the deduction operation on the deduction information; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0016] In one embodiment, the dispute handling interface further includes a dispute revocation component, which determines whether to perform a deduction operation on the deduction information according to an operation of the user on the dispute handling link based on at least one preset field in the deduction information, and further includes:

[0017] In the case where a dispute withdrawal instruction is received from a user device before the deduction time arrives, when the deduction time arrives, it is determined to perform a deduction operation on the deduction information; the dispute withdrawal instruction is an instruction generated in response to the user triggering a dispute withdrawal component on the dispute handling interface.

[0018] In one embodiment, when the deduction time arrives, the deduction operation on the deduction information is prohibited, including:

[0019] When the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database;

[0020] When it is determined that there is dispute information corresponding to the deduction information in the dispute database, the deduction information is removed from the current deduction list.

[0021] In one embodiment, when the deduction time arrives, determining to perform a deduction operation on the deduction information includes:

[0022] When the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database;

[0023] When it is determined that there is no dispute information corresponding to the deduction information in the dispute database, the deduction information in the current deduction list is retained.

[0024] In one embodiment, the method further comprises:

[0025] In the case of receiving a fee deduction suspension instruction sent by a user device, generating dispute information corresponding to the fee deduction information according to the fee deduction suspension instruction;

[0026] The dispute information is added to the dispute database.

[0027] In one embodiment, the method further comprises:

[0028] When a dispute cancellation instruction is received from the user device before the deduction time arrives, the dispute information corresponding to the deduction information in the dispute database is deleted.

[0029] In one of the embodiments, the deduction information includes at least one of the deduction item, the deduction amount, the number of deduction periods, the deduction time, the information of the user device and the information of the deduction party.

[0030] In a second aspect, the present application further provides a fee deduction device, the device comprising:

[0031] A first generating module is used to generate a dispute handling link corresponding to each deduction information in the pre-acquired current period deduction list according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0032] A sending module, used to determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0033] The determination module is used to determine whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0034] In one embodiment, the dispute handling interface also includes a charge suspension component and a dispute reason input component.

[0035] In one of the embodiments, the above-mentioned determination module is specifically used to prohibit the execution of the deduction operation on the deduction information when the deduction time arrives when a stop deduction instruction is received from a user device; the stop deduction instruction is an instruction generated in response to the user triggering the stop deduction component on the dispute handling interface.

[0036] In one of the embodiments, the charge suspension instruction carries a dispute reason for the charge information, where the dispute reason is information input by the user in response to a dispute reason input component.

[0037] In one of the embodiments, the above-mentioned determination module is also used to determine to execute the deduction operation on the deduction information when the deduction time arrives, when no instruction to terminate deduction is received from the user device; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0038] In one of the embodiments, the dispute handling interface also includes a dispute withdrawal component, and the above-mentioned determination module is also used to determine to perform a deduction operation on the deduction information when the deduction time arrives, in the event that a dispute withdrawal instruction is received from a user device before the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0039] In one of the embodiments, the above-mentioned determination module is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; when it is determined that there is dispute information corresponding to the deduction information in the dispute database, the deduction information is removed from the current deduction list.

[0040] In one of the embodiments, the above-mentioned determination module is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; when it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retain the deduction information in the current deduction list.

[0041] In one embodiment, the device further includes a second generating module and an adding module; wherein,

[0042] A second generating module is used to generate dispute information corresponding to the deduction information according to the deduction suspension instruction when receiving the deduction suspension instruction sent by the user equipment;

[0043] An adding module is used to add the dispute information to the dispute database.

[0044] In one of the embodiments, the device further comprises a deletion module;

[0045] The deletion module is used to delete the dispute information corresponding to the deduction information in the dispute database when a dispute cancellation instruction is received from the user equipment before the deduction time arrives.

[0046] In one of the embodiments, the deduction information includes at least one of the deduction item, the deduction amount, the number of deduction periods, the deduction time, the information of the user device and the information of the deduction party.

[0047] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0048] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0049] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0050] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0051] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the following steps are implemented:

[0052] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0053] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0054] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0055] In a fifth aspect, the present application further provides a computer program product, the computer program product comprising a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0056] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0057] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0058] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0059] The above-mentioned deduction method, apparatus, computer equipment, storage medium and computer program product generate, for each deduction information in the pre-acquired current period deduction list, a dispute handling link that can be associated with the dispute handling interface corresponding to the deduction information according to the identifier of the deduction information; determine the reminder time corresponding to the deduction information, and when the reminder time arrives, send a deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information to the user device, and then determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information; that is, in the embodiment of the present application, the bank server performs automatic deductions. Previously, key field information in the deduction information and a dispute handling link generated according to the identifier of the deduction information could be sent to the user device, so that the user could process the dispute handling link based on the key field information in the deduction information on the user device, that is, perform relevant operations in the dispute handling interface associated with the dispute handling link to terminate the bank server from performing the deduction operation on the deduction information, providing users with convenient notification, inquiry and processing channels. Through the active participation of the bank, the problem of dispute transactions caused by the bank deducting disputed deduction information can be avoided, which simplifies the processing flow of dispute transactions, improves the interactivity and timeliness of dispute transaction processing, and improves user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] Figure 1 A diagram showing an application environment of a fee deduction method in an embodiment;

[0061] Figure 2 This is a flowchart of the fee deduction method in the first embodiment;

[0062] Figure 3 A flowchart of the fee deduction method in the second embodiment;

[0063] Figure 4 A flowchart of a fee deduction method in the third embodiment;

[0064] Figure 5 This is a flowchart of the fee deduction method in the fourth embodiment;

[0065] Figure 6 This is a complete flowchart of the fee deduction method in the fifth embodiment;

[0066] Figure 7 It is a structural block diagram of the fee deduction device in the first embodiment;

[0067] Figure 8 It is a structural block diagram of the fee deduction device in the second embodiment;

[0068] Fig. 9 It is a structural block diagram of the fee deduction device in the third embodiment;

[0069] Fig.10 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0070] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0071] The deduction method provided in this application can be applied to Figure 1 In the application environment shown. Among them, the user device (deducted party device) 101 and the deducting party device 103 can communicate with the bank server 102 through the network; wherein the user device 101 and the deducting party device 103 can be but not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices; the bank server 102 can be implemented with an independent server or a server cluster composed of multiple servers. Optionally, the bank server can include multiple different business subsystems, such as: bank automatic deduction business subsystem, bank automatic deduction dispute subsystem; it should be noted that the deduction method in the embodiment of the present application can be applied to the bank server, and can also be implemented through the interaction between different business subsystems in the bank server.

[0072] The following is a brief description of the functions of the bank automatic deduction business subsystem, the bank automatic deduction dispute subsystem, the user device, and the deduction party device used in the embodiments of the present application:

[0073] 1. As an existing system, the bank's automatic deduction business subsystem provides business support for the bank's automatic deduction business, and is used to manage the automatic deduction business list signed by the customer at the bank, receive the deduction list regularly provided by the deduction party, and perform automatic deduction operations on the deduction information in the deduction list; in the embodiment of the present application, the bank's automatic deduction business subsystem can also send pre-deduction notifications, eliminate controversial deductions, and deduct fees from customer accounts by connecting to the bank's automatic deduction dispute subsystem, and provide relevant query functions. The bank's automatic deduction business subsystem and the bank's automatic deduction dispute subsystem can interact through the intranet HTTP protocol.

[0074] 2. The bank's automatic deduction dispute subsystem serves as a back-end system, which is used to provide customers with a dispute handling interface, save, query, and cancel dispute information, and provide a short interest notification interface and a dispute transaction query interface for use by the bank's automatic deduction business subsystem.

[0075] 3. The user device (customer smartphone) mainly communicates with the bank's automatic deduction dispute subsystem through the Internet security channel by receiving notification SMS and manually clicking the dispute handling website URL link in the SMS. The transmission message follows the HTTPS message specification. The functions involved include receiving notification SMS, handling disputed transactions, etc.

[0076] 4. The deductor's device (deductor's PC terminal) and the bank's automatic deduction business subsystem use the Internet HTTPS for communication. The message specifications follow the HTTPS message specifications. The main function is to submit the deduction list.

[0077] In one embodiment, Figure 2 As shown, a fee deduction method is provided, which is applied to Figure 1 The bank server in the example is used to illustrate, including the following steps:

[0078] Step 201, for each deduction information in the pre-acquired current period deduction list, generate a dispute handling link corresponding to the deduction information according to the identifier of the deduction information.

[0079] Among them, the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information; optionally, the user's complete deduction information can be displayed in the dispute handling interface for the user to view, or only some field information related to the user or concerned by the user in the deduction information can be displayed for the user to view the deduction information; the embodiment of the present application does not limit the fields in the deduction information displayed in the dispute handling interface. In actual applications, the displayed field information can be flexibly adjusted and set according to the actual needs and permissions of the user. Optionally, the dispute handling interface may also include a deduction suspension component and a dispute reason input component for user operation; the deduction information may include at least one of the deduction items, deduction amount, deduction period, deduction status, deduction time, deducted party information and deducting party information, wherein the deducted party information may include the name of the deducted party, the deducted account information of the deducted party or the contact information of the deducted party, and the deducting party information may include the name of the deducting party, the account information of the deducting party or the contact information of the deducting party; it should be noted that the deduction information in this embodiment is only used as an example for explanation, and is not used to limit the fields contained in the deduction information.

[0080] Optionally, when performing automatic deductions, the deducting party may send a list of deductions for the current period to the bank server. After receiving the list of deductions for the current period sent by the deducting party, the bank server may generate a dispute handling link corresponding to each deduction information in the list of deductions for the current period based on the identifier of the deduction information. The dispute handling link may be a unique URL link, and the connection may carry the identifier of the deduction information so that the bank server may determine the deduction information corresponding to the dispute handling link and the dispute handling interface associated with the dispute handling link based on the identifier of the deduction information in the dispute handling link. In addition, the identifier of the deduction information may be a unique ID corresponding to the deduction information, or a unique string corresponding to the deduction information. The string may be a unique string formed by special symbols such as numbers, English letters, underscores, etc. The present application does not limit the form of the identifier.

[0081] Step 202, determine the reminder time corresponding to the deduction information, and send the deduction reminder information to the user device when the reminder time arrives. The deduction reminder information carries the dispute handling link and at least one preset field in the deduction information.

[0082] Optionally, the bank server may also determine the reminder time for sending the deduction reminder information to the user device based on the deduction time of the deduction information, and send the deduction reminder information to the user device when the reminder time arrives; that is, the bank server sends the deduction reminder information corresponding to the deduction information to the user terminal before the preset time period before the deduction, so that the user terminal has more time to process the deduction information; preferably, the bank server may send the deduction reminder information corresponding to the deduction information to the user terminal 3 days before the deduction.

[0083] Optionally, the bank server can generate deduction reminder information corresponding to the deduction information according to at least one preset field in the deduction information and the dispute handling link corresponding to the deduction information, and send the deduction reminder information to the user device when the reminder time arrives; Optionally, the bank server can send the deduction reminder information to the user device through SMS, bank APP, third-party software (for example: WeChat, QQ, Alipay, etc. associated with the bank), etc. Among them, the deduction reminder information can carry at least one preset field in the deduction information and the dispute handling link corresponding to the deduction information, for example: the preset field in the deduction information carried in the deduction reminder information can be the deduction item and the deduction amount, such as: 100 yuan is deducted from the water fee; It should be noted that for at least one preset field of the deduction information in the deduction reminder information, at least one preset field of the deduction information displayed in the dispute handling interface associated with the dispute handling link can be the same or different. Preferably, the preset fields of the deduction information displayed in the dispute handling interface can be more, that is, the displayed deduction information can be more comprehensive.

[0084] Step 203, determining whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0085] Optionally, after receiving the deduction reminder information sent by the bank server, the user can view the deduction information in the deduction reminder information, or view the deduction information from the associated dispute handling interface by clicking the dispute handling link; the user can operate the dispute handling link based on the correctness of the deduction information, for example: when the user confirms that there is no problem with the deduction information, the user can choose not to click the dispute handling link, or can choose not to perform any operation on the dispute handling interface after clicking the dispute handling link; or, when the user confirms that there is a problem with the deduction amount in the deduction information, the user can click the dispute handling link and perform relevant operations on the dispute handling interface to terminate the deduction; accordingly, the bank server can confirm whether to perform the deduction operation on the deduction information based on the above operations of the user.

[0086] In the above-mentioned deduction method, for each deduction information in the pre-acquired current period deduction list, a dispute handling link that can be associated with a dispute handling interface corresponding to the deduction information is generated according to the identifier of the deduction information; the reminder time corresponding to the deduction information is determined, and when the reminder time arrives, a deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information is sent to the user device; then, based on the user's operation on the dispute handling link based on at least one preset field in the deduction information, it is determined whether to perform a deduction operation on the deduction information; that is, in the embodiment of the present application, the bank server can send the deduction information to the dispute handling interface before executing the automatic deduction. The key field information in the deduction information and the dispute handling link generated according to the identifier of the deduction information are sent to the user device, so that the user can process the dispute handling link on the user device based on the key field information in the deduction information, that is, perform relevant operations in the dispute handling interface associated with the dispute handling link to terminate the bank server from performing the deduction operation on the deduction information, providing users with convenient notification, inquiry and processing channels, and through the active participation of the bank, it can avoid the problem of dispute transactions caused by the bank deducting disputed deduction information, simplify the processing process of dispute transactions, improve the interactivity and timeliness of dispute transaction processing, and improve user experience.

[0087] In an optional embodiment of the present application, steps 201-203 in the above embodiment can preferably be implemented through the interaction process between the bank automatic deduction business subsystem and the bank automatic deduction dispute subsystem in the bank server. For example: the deduction party device can upload the current period deduction list to the bank automatic deduction business subsystem, and the bank automatic deduction business subsystem parses the current period deduction list and saves each deduction information in the current period deduction list; in addition, the bank automatic deduction business subsystem can also send each deduction information in the current period deduction list to the bank automatic deduction dispute subsystem, and the bank automatic deduction dispute subsystem generates and saves a dispute processing link for each deduction information according to the identifier of the deduction information. Next, the bank's automatic deduction dispute subsystem can also generate deduction reminder information corresponding to each deduction information based on each deduction information and the dispute handling link corresponding to each deduction information, and determine the reminder time corresponding to each deduction information; when the reminder time corresponding to each deduction information arrives, the deduction reminder information corresponding to the deduction information is sent to the user device in the form of a text message, and the deduction reminder information carries at least one preset field in the deduction information and the dispute handling link corresponding to the deduction information. Further, the bank's automatic deduction dispute subsystem can determine whether the deduction information is dispute information based on the user's operation on the dispute handling link based on the deduction information, and if it is confirmed that the deduction information is dispute information, save the dispute information and send the dispute information to the bank's automatic deduction business subsystem, so that the bank's automatic deduction business subsystem will stop performing the deduction operation on the deduction information after receiving the dispute information corresponding to the deduction information.

[0088] In an optional embodiment of the present application, the implementation process of "determining whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information" in the above step 203 may include the following optional situations:

[0089] The first case: when a suspension deduction instruction is received from a user device, when the deduction time arrives, it is prohibited to perform the deduction operation on the deduction information; the suspension deduction instruction is an instruction generated in response to the user triggering the suspension deduction component on the dispute handling interface.

[0090] Optionally, if the user does not agree with the deduction amount in the deduction information, he or she may enter the dispute handling interface by clicking on the dispute handling link in the deduction reminder information before the deduction time, and submit a stop deduction instruction to the bank server through the user device by clicking on the stop deduction component in the dispute handling interface; accordingly, upon receiving the stop deduction instruction sent by the user device, the bank server may prohibit the deduction operation on the deduction information in the current deduction list when the deduction time arrives.

[0091] Optionally, the instruction to terminate deduction may carry a dispute reason for the deduction information, and the dispute reason may be information input by the user in response to a dispute reason input component, that is, the user may input the dispute reason through the dispute reason input component in the dispute handling interface.

[0092] The second situation: when the deduction time arrives, if the instruction to stop deduction is not received from the user device, it is determined to perform the deduction operation on the deduction information; wherein, the failure to receive the instruction to stop deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0093] Optionally, when the user views the deduction information and approves the deduction amount in the deduction information, there is no need to perform any operation on the dispute handling link, or any operation on the dispute handling interface associated with the dispute handling link, that is, the user device does not need to send any instructions to the bank server; correspondingly, when the bank server does not receive an instruction from the user device to terminate the deduction operation, it can assume that the deduction information is accurate and determine to perform the deduction operation on the deduction information when the deduction time arrives.

[0094] The third situation: the dispute handling interface may also include a dispute withdrawal component. When a dispute withdrawal instruction is received from a user device before the deduction time arrives, it is determined to perform a deduction operation on the deduction information when the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0095] Optionally, if the user does not recognize the deduction amount in the deduction information and submits a deduction suspension instruction to the bank server through the dispute handling interface before the deduction, the user can coordinate and communicate with the deduction party based on the deduction party information carried in the deduction information. If it is confirmed after communication that there is no problem with the deduction amount in the deduction information, the user can also cancel the dispute information by clicking the dispute cancellation component in the dispute handling interface before the deduction time arrives, that is, when the user device detects the trigger operation of the dispute cancellation component, it generates a dispute cancellation instruction according to the trigger operation and sends it to the bank server; correspondingly, when the bank server receives the dispute cancellation instruction sent by the user device before the deduction time arrives, it determines to perform the deduction operation on the deduction information when the deduction time arrives. In this case, the user can revoke the submitted dispute information by himself, and can instruct the bank to resume normal deduction of the deduction operation before the deduction time arrives, which can further improve the interactivity and flexibility between the bank server and the user device and the timeliness of handling disputed transactions, and improve the user experience.

[0096] Figure 3 FIG. 1 is a flowchart of a method for deducting fees in another embodiment. This embodiment involves an optional implementation process of prohibiting the deduction operation from being performed on the deduction information when the deduction time arrives; based on the above embodiment, Figure 3 As shown, the step of "prohibiting the deduction operation on the deduction information when the deduction time arrives" in the first case may include:

[0097] Step 301, when the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database.

[0098] Optionally, when a termination deduction instruction is received from a user device, the deduction information can be added to a dispute database as dispute information. When the deduction time corresponding to the deduction information arrives, it is determined from the dispute database whether there is dispute information corresponding to the identifier of the deduction information based on the identifier of the deduction information.

[0099] Step 302: When it is determined that there is dispute information corresponding to the deduction information in the dispute database, the deduction information is removed from the current deduction list.

[0100] In this embodiment, when the deduction time arrives, it is determined whether there is dispute information corresponding to the deduction information in the dispute database, and if it is determined that there is dispute information corresponding to the deduction information in the dispute database, the deduction information is removed from the current period's deduction list, and the deduction operation is performed based on the current period's deduction list after removal; in this way, it is beneficial to effectively manage dispute information and deduction information for which there is no dispute information, and to perform unified deduction operations on deduction information for which there is no dispute information, which can improve the efficiency of the entire deduction process.

[0101] Figure 4 FIG. 1 is a flowchart of a method for deducting fees in another embodiment. This embodiment involves determining, when the deduction time arrives, one of the optional implementation processes for performing a deduction operation on the deduction information; based on the above embodiment, Figure 4 As shown, the step of "determining to perform a deduction operation on the deduction information when the deduction time arrives" in the second and third situations above may include:

[0102] Step 401, when the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database.

[0103] Optionally, when a termination deduction instruction is received from a user device, the deduction information can be added to a dispute database as dispute information. When the deduction time corresponding to the deduction information arrives, it is determined from the dispute database whether there is dispute information corresponding to the identifier of the deduction information based on the identifier of the deduction information.

[0104] Step 402: When it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retain the deduction information in the current deduction list.

[0105] In this embodiment, when the deduction time arrives, it is determined whether there is dispute information corresponding to the deduction information in the dispute database, and if it is determined that there is no dispute information corresponding to the deduction information in the dispute database, the deduction information in the current deduction list is retained; in this way, it is beneficial to effectively manage dispute information and deduction information for which there is no dispute information, and to perform unified deduction operations on deduction information for which there is no dispute information, which can improve the efficiency of the entire deduction process.

[0106] Figure 5 FIG. 1 is a flowchart of another embodiment of a deduction method. This embodiment involves an optional implementation process of how to use the deduction information as dispute information and add it to the dispute database; based on the above embodiment, Figure 5 As shown, the above method also includes:

[0107] Step 501: upon receiving a charge deduction suspension instruction sent by a user device, generating dispute information corresponding to the charge deduction information according to the charge deduction suspension instruction.

[0108] Optionally, the charge suspension instruction may carry the dispute reason for the charge suspension information input by the user in response to the dispute reason input component. Upon receiving the charge suspension instruction sent by the user device, the bank server may generate dispute information corresponding to the charge suspension information according to the charge suspension instruction and the dispute reason in the charge suspension instruction.

[0109] Step 502: Add the dispute information to the dispute database.

[0110] Among them, the dispute database stores all historical disputed deduction information. Optionally, after executing the deduction operation on the current deduction list, for those deduction information deleted from the current deduction list, the dispute information corresponding to these deduction information can be sent to the deduction party device together with the deduction results of the deduction information successfully deducted in the current deduction list.

[0111] Optionally, before the deduction time arrives, upon receiving a dispute cancellation instruction sent by the user device, the bank server may delete the dispute information corresponding to the deduction information in the dispute database based on the dispute cancellation instruction.

[0112] In this embodiment, when a suspension deduction instruction is received from a user device, dispute information corresponding to the deduction information is generated according to the suspension deduction instruction, and the dispute information is added to a dispute database to realize storage and recording of the dispute information, thereby providing a basis for subsequent processing of the dispute information.

[0113] Figure 6 FIG. 1 is a complete flow chart of a method for deducting fees in another embodiment. This embodiment involves a complete implementation process of automatic deduction of fees through the interaction between the bank automatic deduction business subsystem and the bank automatic deduction dispute subsystem. Based on the above embodiment, Figure 6 As shown, the above method includes:

[0114] Step 601: The deductor device uploads the current period deduction list to the bank automatic deduction business subsystem;

[0115] Step 602: the bank automatic deduction business subsystem parses the current period deduction list and saves each deduction information in the current period deduction list;

[0116] Step 603, the bank automatic deduction business subsystem sends each deduction information in the current period deduction list to the bank automatic deduction dispute subsystem;

[0117] Step 604: the bank automatic deduction dispute subsystem generates a dispute processing link corresponding to each deduction information according to the identifier of each deduction information, generates deduction reminder information corresponding to each deduction information according to at least one preset field in each deduction information and the dispute processing link corresponding to each deduction information, and determines the reminder time corresponding to each deduction information according to the deduction time in each deduction information;

[0118] Step 605: When the reminder time corresponding to the deduction information arrives, the bank automatic deduction dispute subsystem sends the deduction reminder information corresponding to the deduction information to the user device corresponding to the deduction information in the form of a text message; wherein the deduction reminder information includes the dispute handling link and at least one preset field in the deduction information;

[0119] Step 606: based on the deduction information, if the user disagrees with the deduction information, the user enters the dispute handling interface through the dispute handling link in the deduction reminder information, clicks the suspend deduction component in the dispute handling interface, and inputs the dispute reason through the dispute reason input component, thereby sending a suspend deduction instruction to the bank automatic deduction dispute subsystem;

[0120] Step 607: the bank automatic deduction dispute subsystem generates dispute information corresponding to the deduction information according to the deduction suspension instruction, and adds the dispute information to the dispute database;

[0121] Step 608, before the deduction time arrives, when the bank automatic deduction dispute subsystem receives a dispute cancellation instruction sent by the user device, it deletes the dispute information corresponding to the deduction information in the dispute database;

[0122] Step 609: When the deduction time of the deduction information arrives, the bank automatic deduction business subsystem sends a dispute information acquisition request to the bank automatic deduction dispute subsystem;

[0123] Step 610: When the bank automatic deduction business subsystem determines that the response message returned by the bank automatic deduction dispute subsystem includes the dispute information corresponding to the deduction information, the bank automatic deduction dispute subsystem removes the deduction information from the current period deduction list; wherein, when the bank automatic deduction dispute subsystem determines that the dispute information corresponding to the deduction information exists in the dispute database, the bank automatic deduction dispute subsystem generates a response message according to the dispute information;

[0124] Step 611, when the bank automatic deduction business subsystem determines that the response message returned by the bank automatic deduction dispute subsystem does not include the dispute information corresponding to the deduction information, the bank automatic deduction business subsystem retains the deduction information in the current period deduction list;

[0125] Step 612: the bank's automatic deduction business subsystem performs a deduction operation according to the current period's deduction list;

[0126] Step 613, the bank's automatic deduction business subsystem sends the deduction results of the successful deduction information and the dispute information corresponding to the disputed deduction information to the deduction party device.

[0127] It should be understood that although Figure 2-6 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2-6At least part of the steps may include multiple steps or multiple stages. These steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed in turn or alternately with other steps or at least part of the steps or stages in other steps.

[0128] In one embodiment, Figure 7 As shown, a fee deduction device is provided, including: a first generating module 701, a sending module 702 and a determining module 703, wherein:

[0129] The first generating module 701 is used to generate a dispute handling link corresponding to each deduction information in the pre-acquired current period deduction list according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0130] The sending module 702 is used to determine the reminder time corresponding to the deduction information, and send the deduction reminder information to the user device when the reminder time arrives, where the deduction reminder information carries the dispute handling link and at least one preset field in the deduction information;

[0131] The determination module 703 is used to determine whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0132] In one embodiment, the dispute handling interface also includes a charge suspension component and a dispute reason input component.

[0133] In one of the embodiments, the above-mentioned determination module 703 is specifically used to prohibit the execution of the deduction operation on the deduction information when the deduction time arrives when a stop deduction instruction is received from a user device; the stop deduction instruction is an instruction generated in response to the user triggering the stop deduction component on the dispute handling interface.

[0134] In one of the embodiments, the charge suspension instruction carries a dispute reason for the charge information, where the dispute reason is information input by the user in response to a dispute reason input component.

[0135] In one of the embodiments, the above-mentioned determination module 703 is also used to determine to execute a deduction operation on the deduction information when the deduction time arrives, when no instruction to terminate deduction is received from the user device; wherein, failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0136] In one embodiment, the dispute handling interface also includes a dispute withdrawal component, and the above-mentioned determination module 703 is also used to determine to perform a deduction operation on the deduction information when the deduction time arrives, in the case where a dispute withdrawal instruction is received from a user device before the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0137] In one of the embodiments, the above-mentioned determination module 703 is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; when it is determined that there is dispute information corresponding to the deduction information in the dispute database, the deduction information is removed from the current deduction list.

[0138] In one of the embodiments, the above-mentioned determination module 703 is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; when it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retain the deduction information in the current deduction list.

[0139] In one embodiment, if Figure 8 As shown, the device also includes a second generating module 704 and an adding module 705; wherein the second generating module 704 is used to generate dispute information corresponding to the deduction information according to the stop deduction instruction when receiving the stop deduction instruction sent by the user equipment; the adding module 705 is used to add the dispute information to the dispute database.

[0140] In one embodiment, if Fig. 9 As shown, the device also includes a deletion module 706; the deletion module 706 is used to delete the dispute information corresponding to the deduction information in the dispute database when a dispute cancellation instruction is received from the user equipment before the deduction time arrives.

[0141] In one of the embodiments, the deduction information includes at least one of the deduction item, the deduction amount, the number of deduction periods, the deduction time, the information of the user device and the information of the deduction party.

[0142] For the specific definition of the deduction device, please refer to the definition of the deduction method above, which will not be repeated here. Each module in the above-mentioned deduction device can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0143] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Fig.10 As shown. The computer device includes a processor, a memory and a network interface connected through a system bus. The processor of the computer device is used to provide computing and control capabilities.

[0144] The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store the current period deduction list data, the dispute processing link corresponding to each deduction information, and the dispute information data.

[0145] The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a fee deduction method is implemented.

[0146] Those skilled in the art will understand that Fig.10 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0147] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0148] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0149] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0150] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0151] In one embodiment, when the processor executes the computer program, the following steps are also implemented: the dispute handling interface also includes a suspension deduction component and a dispute reason input component.

[0152] In one embodiment, the processor also implements the following steps when executing the computer program: when receiving a stop deduction instruction sent by a user device, prohibiting the deduction operation on the deduction information when the deduction time arrives; the stop deduction instruction is an instruction generated in response to the user triggering the stop deduction component on the dispute handling interface.

[0153] In one embodiment, when the processor executes the computer program, the following steps are also implemented: the instruction to terminate deduction carries a dispute reason for the deduction information, and the dispute reason is information input by the user in response to the dispute reason input component.

[0154] In one embodiment, the processor also implements the following steps when executing the computer program: in the case where no instruction to terminate deduction is received from the user device, when the deduction time arrives, determining to perform a deduction operation on the deduction information; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0155] In one embodiment, the processor also implements the following steps when executing the computer program: the dispute handling interface also includes a dispute withdrawal component, which, when receiving a dispute withdrawal instruction sent by a user device before the deduction time arrives, determines to perform a deduction operation on the deduction information when the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0156] In one embodiment, when the processor executes the computer program, the following steps are also implemented: when the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is dispute information corresponding to the deduction information in the dispute database, remove the deduction information from the current deduction list.

[0157] In one embodiment, when the processor executes the computer program, the following steps are also implemented: when the deduction time arrives, determining whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retaining the deduction information in the current period's deduction list.

[0158] In one embodiment, when the processor executes the computer program, it also implements the following steps: when receiving a stop deduction instruction sent by a user device, generating dispute information corresponding to the deduction information according to the stop deduction instruction; and adding the dispute information to a dispute database.

[0159] In one embodiment, when the processor executes the computer program, the processor also implements the following steps: when a dispute cancellation instruction is received from the user device before the deduction time arrives, deleting the dispute information corresponding to the deduction information in the dispute database.

[0160] In one embodiment, when the processor executes the computer program, the following steps are also implemented: the deduction information includes at least one of the deduction item, the deduction amount, the number of deduction periods, the deduction time, the information of the user device and the information of the deduction party.

[0161] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0162] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0163] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0164] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0165] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the dispute handling interface includes a charge suspension component and a dispute reason input component.

[0166] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a stop deduction instruction is received from a user device, when the deduction time arrives, the deduction operation on the deduction information is prohibited; the stop deduction instruction is an instruction generated in response to the user triggering the stop deduction component on the dispute handling interface.

[0167] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the instruction to terminate deduction carries a dispute reason for the deduction information, and the dispute reason is information input by the user in response to the dispute reason input component.

[0168] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: in the case where no instruction to terminate deduction is received from the user device, when the deduction time arrives, determining to perform a deduction operation on the deduction information; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0169] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the dispute handling interface also includes a dispute withdrawal component, which, when receiving a dispute withdrawal instruction sent by a user device before the deduction time arrives, determines to perform a deduction operation on the deduction information when the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0170] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is dispute information corresponding to the deduction information in the dispute database, remove the deduction information from the current deduction list.

[0171] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the deduction time arrives, determining whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retaining the deduction information in the current period's deduction list.

[0172] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: upon receiving a stop deduction instruction sent by a user device, generating dispute information corresponding to the deduction information according to the stop deduction instruction; and adding the dispute information to a dispute database.

[0173] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a dispute cancellation instruction is received from the user device before the deduction time arrives, the dispute information corresponding to the deduction information in the dispute database is deleted.

[0174] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the deduction information includes at least one of the deduction item, deduction amount, deduction period, deduction time, user device information and deduction party information.

[0175] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0176] For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information;

[0177] Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, the deduction reminder message carrying the dispute handling link and at least one preset field in the deduction information;

[0178] Determine whether to perform a deduction operation on the deduction information based on the user's operation on the dispute handling link based on at least one preset field in the deduction information.

[0179] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the dispute handling interface includes a charge suspension component and a dispute reason input component.

[0180] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a stop deduction instruction is received from a user device, when the deduction time arrives, the deduction operation on the deduction information is prohibited; the stop deduction instruction is an instruction generated in response to the user triggering the stop deduction component on the dispute handling interface.

[0181] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the instruction to terminate deduction carries a dispute reason for the deduction information, and the dispute reason is information input by the user in response to the dispute reason input component.

[0182] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: in the case where no instruction to terminate deduction is received from the user device, when the deduction time arrives, determining to perform a deduction operation on the deduction information; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take action on the dispute handling link or the dispute handling interface.

[0183] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the dispute handling interface also includes a dispute withdrawal component, which, when receiving a dispute withdrawal instruction sent by a user device before the deduction time arrives, determines to perform a deduction operation on the deduction information when the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

[0184] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the deduction time arrives, determine whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is dispute information corresponding to the deduction information in the dispute database, remove the deduction information from the current deduction list.

[0185] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the deduction time arrives, determining whether there is dispute information corresponding to the deduction information in the dispute database; if it is determined that there is no dispute information corresponding to the deduction information in the dispute database, retaining the deduction information in the current period's deduction list.

[0186] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: upon receiving a stop deduction instruction sent by a user device, generating dispute information corresponding to the deduction information according to the stop deduction instruction; and adding the dispute information to a dispute database.

[0187] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a dispute cancellation instruction is received from the user device before the deduction time arrives, the dispute information corresponding to the deduction information in the dispute database is deleted.

[0188] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: the deduction information includes at least one of the deduction item, deduction amount, deduction period, deduction time, user device information and deduction party information.

[0189] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0190] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0191] The above-mentioned embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application shall be subject to the attached claims.

Claims

1. A fee deduction method, characterized in that: The method comprises: For each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information is generated according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information; Determine a reminder time corresponding to the deduction information, and send a deduction reminder message to the user device when the reminder time arrives, wherein the deduction reminder message carries the dispute handling link and at least one preset field in the deduction information; determining whether to perform a deduction operation on the deduction information according to an operation of the user on the dispute handling link based on at least one preset field in the deduction information; The dispute handling interface further includes a charge suspension component and a dispute reason input component, wherein determining whether to perform a charge deduction operation on the charge information according to an operation of the user on the dispute handling link based on at least one preset field in the charge information includes: If a suspension deduction instruction is received from the user device, then when the deduction time arrives, the deduction operation on the deduction information is prohibited; the suspension deduction instruction is an instruction generated in response to the user triggering the suspension deduction component on the dispute handling interface.

2. The method according to claim 1, characterized in that The charge suspension instruction carries a dispute reason for the charge information, where the dispute reason is information input by the user in response to the dispute reason input component.

3. The method according to claim 1, characterized in that The determining whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information further includes: If the instruction to terminate deduction is not received from the user device, then when the deduction time arrives, it is determined to perform the deduction operation on the deduction information; wherein, the failure to receive the instruction to terminate deduction sent by the user device indicates that the user does not take any action on the dispute handling link or the dispute handling interface.

4. The method according to claim 1, characterized in that: The dispute handling interface further includes a dispute revocation component, which determines whether to perform a deduction operation on the deduction information according to the user's operation on the dispute handling link based on at least one preset field in the deduction information, and further includes: If a dispute withdrawal instruction is received from the user device before the deduction time arrives, then when the deduction time arrives, it is determined to perform a deduction operation on the deduction information; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

5. The method according to claim 1, characterized in that: When the deduction time arrives, prohibiting the deduction operation on the deduction information includes: When the deduction time arrives, determining whether there is dispute information corresponding to the deduction information in the dispute database; If it exists, the deduction information will be removed from the current period deduction list.

6. The method according to claim 3 or 4, characterized in that: When the deduction time arrives, determining to perform a deduction operation on the deduction information includes: When the deduction time arrives, determining whether there is dispute information corresponding to the deduction information in the dispute database; If it does not exist, the deduction information in the current period's deduction list will be retained.

7. The method according to claim 2, characterized in that: The method further comprises: If a fee deduction suspension instruction sent by the user device is received, generating dispute information corresponding to the fee deduction information according to the fee deduction suspension instruction; The dispute information is added to a dispute database.

8. The method according to claim 7, characterized in that The method further comprises: If a dispute cancellation instruction sent by the user equipment is received before the deduction time arrives, the dispute information corresponding to the deduction information in the dispute database is deleted.

9. The method according to claim 1, characterized in that: The deduction information includes at least one of a deduction item, a deduction amount, a deduction period, a deduction time, a deduction status, information about the deducted party, and information about the deducting party.

10. A fee deduction device, characterized in that: The device comprises: A first generating module is used to generate, for each deduction information in the pre-acquired current period deduction list, a dispute handling link corresponding to the deduction information according to the identifier of the deduction information; wherein the dispute handling link is associated with a dispute handling interface for user operation, and the dispute handling interface includes at least one preset field in the deduction information; a sending module, configured to determine a reminder time corresponding to the deduction information, and send a deduction reminder message to a user device when the reminder time arrives, wherein the deduction reminder message carries the dispute handling link and at least one preset field in the deduction information; a determination module, configured to determine whether to perform a deduction operation on the deduction information according to an operation of the user on the dispute handling link based on at least one preset field in the deduction information; The dispute handling interface also includes a suspension deduction component and a dispute reason input component. The determination module is specifically used to prohibit the deduction operation on the deduction information when the deduction time arrives if a suspension deduction instruction sent by the user device is received; the suspension deduction instruction is an instruction generated in response to the user triggering the suspension deduction component on the dispute handling interface.

11. The device according to claim 10, characterized in that The charge suspension instruction carries a dispute reason for the charge information, where the dispute reason is information input by the user in response to the dispute reason input component.

12. The device according to claim 10, characterized in that The determination module is also used to determine to perform a deduction operation on the deduction information when the deduction time arrives if the deduction suspension instruction sent by the user device is not received; wherein, the failure to receive the deduction suspension instruction sent by the user device indicates that the user does not take any action on the dispute handling link or the dispute handling interface.

13. The device according to claim 10, characterized in that The dispute handling interface also includes a dispute withdrawal component. The determination module is also used to determine to perform a deduction operation on the deduction information when the deduction time arrives if a dispute withdrawal instruction is received from the user device before the deduction time arrives; the dispute withdrawal instruction is an instruction generated in response to the user triggering the dispute withdrawal component on the dispute handling interface.

14. The device according to claim 10, characterized in that The determination module is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; If it exists, the deduction information will be removed from the current period deduction list.

15. The device according to claim 12 or 13, characterized in that The determination module is specifically used to determine whether there is dispute information corresponding to the deduction information in the dispute database when the deduction time arrives; If it does not exist, the deduction information in the current period's deduction list will be retained.

16. The device according to claim 11, characterized in that The device also includes: A second generating module is configured to generate dispute information corresponding to the deduction information according to the deduction suspension instruction if a deduction suspension instruction sent by the user equipment is received; An adding module is used to add the dispute information to the dispute database.

17. The device according to claim 16, characterized in that The device also includes: The deletion module is used to delete the dispute information corresponding to the deduction information in the dispute database if a dispute cancellation instruction sent by the user equipment is received before the deduction time arrives.

18. The device according to claim 10, characterized in that The deduction information includes at least one of a deduction item, a deduction amount, a deduction period, a deduction time, a deduction status, information about the deducted party, and information about the deducting party.

19. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 9 are implemented.

20. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 9 are implemented.

21. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 9 are implemented.

Images