Repayment plan generation method, apparatus, device, and storage medium

Abstract

The application relates to the field of artificial intelligence, and discloses a repayment plan generation method, device, equipment and storage medium. The method comprises the following steps: obtaining account information of a target account, and judging whether the target account is associated with a historical repayment plan according to the account information; if the target account is not associated with a historical repayment plan, selecting a corresponding repayment type according to the account information, and creating a pre-repayment plan corresponding to the repayment type by using a preset pre-repayment method; adopting a background real-time monitoring algorithm to perform business monitoring on the target account, obtaining corresponding business change information when the target account changes, adopting a preset repayment model to generate a corresponding repayment scheme according to the business change information, updating the pre-repayment plan according to the repayment scheme, and obtaining a repayment plan of the target account. The method realizes a convenient and fast intelligent creation of a repayment plan for a user.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of artificial intelligence, and in particular to a repayment plan generation method, device, equipment and storage medium. BACKGROUND

[0002] With the continuous development of the financial industry and the continuous deepening of banking business, the development of related credit business is also becoming more and more prosperous. Most of the existing products are manual repayment by the user or manual transfer to the repayment card by the user, so that the user needs to remember the billing day and the repayment day of different bank cards, as well as the repayment day of different loans. If the repayment of one loan is overdue, it will have a great impact and loss on the user's credit record. Therefore, if a user has a credit card and multiple loan products such as loans and car loans in a commercial bank that need to be repaid on time, an intelligent repayment strategy is generated for the customer, and a corresponding repayment plan is created, which is a very good experience financial boundary product.

[0003] Most of the current repayment plans can only be created by the user himself, and there is a lack of system to create a repayment plan for the user. In addition, the user must have a usable debit card when creating a repayment plan, and the system cannot obtain the user's card status in real time, whether the debit card and the credit card are activated, etc. Moreover, most products require the user to have a loan record and the user to have a credit card and a debit card before creating a repayment plan, and the repayment plan can only use one debit card for deduction, so that the user cannot repay on time. That is, there is currently a lack of an intelligent and convenient method for creating a repayment plan. SUMMARY

[0004] The main purpose of the present application is to solve the problem that the current repayment plan cannot be monitored in real time and created intelligently for the user.

[0005] The first aspect of the present application provides a repayment plan generation method, comprising: obtaining account information of a target account, and determining whether the target account is associated with a historical repayment plan according to the account information; if the target account is not associated with a historical repayment plan, selecting a corresponding repayment type according to the account information, and creating a pre-repayment plan corresponding to the repayment type by using a pre-set pre-repayment method; using a background real-time monitoring algorithm to monitor the business of the target account, and obtaining corresponding business change information when the target account changes; generating a corresponding repayment scheme by using a pre-set repayment model according to the business change information, and updating the pre-repayment plan according to the repayment scheme to obtain a repayment plan of the target account.

[0006] Optionally, in the first implementation manner of the first aspect, the determining whether the target account is associated with a historical repayment plan according to the account information comprises: extracting account setting information, credit card information and debit card information from the account information; searching repayment association information corresponding to the target account according to the repayment plan setting information, the credit card information and the debit card information; determining that the target account is associated with a historical repayment plan if the repayment association information corresponding to the target account is searched, or determining that the target account is not associated with a historical repayment plan.

[0007] Optionally, in the second implementation manner of the first aspect, the business monitoring of the target account by using a background real-time monitoring algorithm, and the obtaining of corresponding business change information when the target account has a business change, comprises: obtaining permission information corresponding to the target account, and scanning current business data of the target account by using hypertext language technology according to the permission information; obtaining historical business data, comparing the current business data with the historical business data table, and determining a monitoring result corresponding to the target account according to a comparison result.

[0008] Optionally, in the third implementation manner of the first aspect, before the obtaining of the account information of the target account, the method further comprises: obtaining historical account information of the target account, the historical account information comprising past debit card information, credit card information and loan business information; combining the past debit card information, the credit card information and the loan business information by using a preset Cartesian product to obtain a combination result; calculating a plurality of repayment amounts corresponding to the target account according to the combination result, and performing interval classification on each of the repayment amounts by using a preset repayment amount reference table; selecting a corresponding repayment plan according to a result of the interval classification, and taking the classified result and the repayment plan as a training set to train a preset pre-training model until convergence, to obtain a repayment model.

[0009] Optionally, in the fourth implementation manner of the first aspect, the generating of a corresponding repayment plan by using a preset repayment model according to the business change information comprises: calculating a repayment amount of each updated business of the target account according to the business change information, and sorting each of the repayment amounts from large to small to obtain a sorting result; and matching a repayment plan corresponding to each of the updated businesses by using the preset repayment model according to the sorting result.

[0010] Optionally, in a fifth implementation form of the first aspect of the present application, the updating the pre-repayment plan according to the repayment plan to obtain the repayment plan of the target account comprises: updating the pre-repayment plan according to the repayment plan corresponding to each of the update businesses to obtain a business repayment plan; and performing priority recommendation on each of the business repayment plans according to the sorting result in descending order of amount to obtain the repayment plan of the target account.

[0011] The second aspect of the present application provides a repayment plan generation device, comprising: a judgment module configured to obtain account information of a target account and determine whether the target account is associated with a historical repayment plan according to the account information; a pre-creation module configured to select a corresponding repayment type according to the account information if the target account is not associated with a historical repayment plan, and create a pre-repayment plan corresponding to the repayment type by using a preset pre-repayment method; a real-time monitoring module configured to perform business monitoring on the target account by using a background real-time monitoring algorithm, and obtain corresponding business change information when the target account has a business change; and an updating module configured to generate a corresponding repayment plan by using a preset repayment model according to the business change information, and update the pre-repayment plan according to the repayment plan to obtain a repayment plan of the target account.

[0012] Optionally, in a first implementation form of the second aspect of the present application, the judgment module comprises: an information judgment unit configured to extract account setting information, credit card information and debit card information in the account information, and search repayment association information corresponding to the target account according to the repayment plan setting information, the credit card information and the debit card information; and a plan judgment unit configured to determine that the target account is associated with a historical repayment plan if the repayment association information corresponding to the target account is searched, or determine that the target account is not associated with a historical repayment plan.

[0013] Optionally, in a second implementation form of the second aspect of the present application, the real-time monitoring module comprises: a scanning unit configured to obtain permission information corresponding to the target account, and scan current business data of the target account by using hypertext language technology according to the permission information; and a comparison unit configured to obtain historical business data, compare the current business data with the historical business data table, and determine a monitoring result corresponding to the target account according to a comparison result.

[0014] Optionally, in a third implementation form of the second aspect of the present application, before the judging module, there further comprises a training module: a combination unit is configured to acquire historical account information of the target account, the historical account information comprising past debit card information, credit card information and loan business information; the past debit card information, credit card information and loan business information are combined by using a preset Cartesian product to obtain a combination result; a classification unit is configured to calculate a plurality of to-be-repaid amounts corresponding to the target account according to the combination result, and perform interval classification on each of the to-be-repaid amounts by using a preset repayment amount reference table; and a training unit is configured to select a corresponding repayment plan according to the result of interval classification, and train a preset pre-training model by taking the classified result and the repayment plan as a training set until convergence, so as to obtain a repayment model.

[0015] Optionally, in a fourth implementation form of the second aspect of the present application, the updating module comprises: an ordering unit configured to calculate to-be-repaid amounts of each updated business of the target account according to the business change information, and perform ordering on each of the to-be-repaid amounts from large to small according to the amount to obtain an ordering result; and a matching unit configured to match a repayment plan corresponding to each of the updated businesses by using a preset repayment model according to the ordering result.

[0016] Optionally, in a fifth implementation form of the second aspect of the present application, the updating module further comprises: an updating unit configured to update the pre-repayment plan according to the repayment plan corresponding to each of the updated businesses to obtain a business repayment plan; and a recommending unit configured to perform priority recommendation on each of the business repayment plans from large to small according to the amount to obtain a repayment plan of the target account.

[0017] The third aspect of the present application provides a repayment plan generation device, comprising: a memory and at least one processor, the memory storing instructions; the at least one processor invokes the instructions in the memory to enable the repayment plan generation device to perform each step of the repayment plan generation method described above.

[0018] The fourth aspect of the present application provides a computer readable storage medium, the computer readable storage medium storing instructions, when the instructions are run on a computer, enabling the computer to perform each step of the repayment plan generation method described above.

[0019] The technical solution provided by the present invention obtains the account information of the target account and determines whether the target account is associated with a historical repayment plan based on the account information. If the target account is not associated with a historical repayment plan, the corresponding repayment type is selected based on the account information, and a pre-repayment plan corresponding to the repayment type is created using a preset pre-repayment method. The target account is monitored for business operations using a background real-time monitoring algorithm. When a business change occurs in the target account, the corresponding business change information is obtained. Based on the business change information, a corresponding repayment plan is generated using a preset repayment model, and the pre-repayment plan is updated based on the repayment plan to obtain the repayment plan for the target account. Compared to the prior art, the present application creates a pre-repayment plan for users who have not yet created a repayment plan, and then monitors the business change information of the target account's account information in real time, thereby matching the repayment plan for the corresponding business using the repayment model, updating the pre-repayment plan, and feeding it back to the user. This achieves real-time monitoring of user account information, can more quickly and conveniently create a repayment plan that better matches the account information for the user, can promptly remind the user to make a repayment operation, and improves the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 This is a schematic diagram of a first embodiment of a repayment plan generation method according to an embodiment of the present invention;

[0021] Figure 2 This is a schematic diagram of a second embodiment of a repayment plan generation method according to an embodiment of the present invention;

[0022] Figure 3 Schematic diagram of a third embodiment of the repayment plan generation method according to an embodiment of the present invention;

[0023] Figure 4 This is a schematic diagram of a fourth embodiment of a repayment plan generation method according to an embodiment of the present invention;

[0024] Figure 5 This is a schematic diagram of a fifth embodiment of a repayment plan generation method according to an embodiment of the present invention;

[0025] Figure 6 A schematic diagram of an embodiment of a repayment plan generating device according to an embodiment of the present invention;

[0026] Figure 7 This is a schematic diagram of another embodiment of the repayment plan generating device in an embodiment of the present invention;

[0027] Figure 8 Schematic diagram of an embodiment of a repayment plan generation device in an embodiment of the present invention. DETAILED DESCRIPTION

[0028] The embodiment of the present application provides a repayment plan generation method, device, equipment and storage medium, the method comprises: obtaining account information of a target account, and determining whether the target account is associated with a historical repayment plan according to the account information; if the target account is not associated with a historical repayment plan, then according to the account information, selecting a corresponding repayment type, and using a preset pre-repayment method to create a pre-repayment plan corresponding to the repayment type; using a background real-time monitoring algorithm to monitor the target account, when the target account changes, obtaining corresponding business change information; according to the business change information, using a preset repayment model to generate a corresponding repayment plan, and updating the pre-repayment plan according to the repayment plan to obtain the repayment plan of the target account. A method for intelligently creating a repayment plan for a user is realized.

[0029] The terms "first", "second", "third", "fourth" and the like in the description, claims, as well as throughout the figures of the present application, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the use of the terms so termed herein is to be interpreted to only cover the embodiments when necessary for the sake of provision of a clear and consistent basis for comparison within the application, and therefore, the data so used is interchangeable with each other, whereby the embodiments herein described can be practiced in other than the order discussed herein. Additionally, the term "comprising" or "having" and variations thereof as used herein is to be interpreted to cover the inclusions of one or more steps, elements, units, features, or components, but not exclude the inclusion of one or more other steps, elements, units, features, or components.

[0030] For the convenience of understanding, the specific flow of the embodiment of the present application is described below, please refer to Figure 1 The first embodiment of the repayment plan generation method in the embodiment of the present application comprises:

[0031] 101, obtaining account information of a target account, and determining whether the target account is associated with a historical repayment plan according to the account information;

[0032] It can be understood that the execution subject of the present application can be a repayment plan generation device, and can also be a terminal or a server, and the specific place is not limited. The embodiment of the present application takes the server as the execution subject for example.

[0033] The embodiment of the present application can acquire and process related data based on artificial intelligence technology. Among them, artificial intelligence (Artificial Intelligence, AI) is to use digital computers or digital computer controlled machines to simulate, extend and expand human intelligence, perceive environment, acquire knowledge and use knowledge to obtain the best results. Theory, method, technology and application system.

[0034] Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interaction systems, and mechatronics. AI software technologies primarily encompass computer vision, robotics, biometrics, speech processing, natural language processing, and machine learning / deep learning.

[0035] In this embodiment, the account information here refers to the deposit accounts, loan accounts, current accounts opened by the user in the bank, as well as the classified records and reflections of the detailed and summarized sources and uses of funds caused by related banking business and financial activities; the historical repayment plan here refers to the historical repayment plan created in advance by analyzing and processing these bills based on the user's consumption and loan bills, reminding the user to repay in time and avoid overdue repayments, so as to avoid a major impact and loss on the user's credit; the account information of the target account is obtained, and based on the account information, it is determined whether the target account is associated with the historical repayment plan.

[0036] In practical applications, this approach obtains access to the corresponding bank's backend database, accesses user information within the database, searches and filters the target account's individual account information, and retrieves the corresponding target account's account information. The extracted account information is then analyzed to determine whether there are already associated repayment plan accounts, thereby determining whether the target account has a repayment plan. By analyzing the target account's account information and determining whether a subsequent supplementary repayment plan is necessary, the system can provide more precise services tailored to the needs of different users.

[0037] 102. If the target account is not associated with a historical repayment plan, select the corresponding repayment type based on the account information and create a pre-repayment plan corresponding to the repayment type using the preset pre-repayment method;

[0038] In this embodiment, the pre-repayment method here refers to using a big data information collection method to organize and analyze existing basic repayment plan schemes, thereby organizing a pre-repayment plan for a basic repayment framework, and encapsulating the steps for generating the pre-repayment plan to obtain the pre-repayment method; if the target account is not associated with a historical repayment plan, the corresponding repayment type is selected according to the account information, and the preset pre-repayment method is used to create a pre-repayment plan corresponding to the repayment type.

[0039] In practical application, if the target account is not associated with a historical repayment plan, the account information is analyzed according to the account information to determine whether the user has set up a repayment plan for individual loans, a repayment plan for vehicle loans, and a repayment plan for other loans. If the user has not set up a repayment plan for individual loans, a repayment plan for vehicle loans, and a repayment plan for other loans, it is determined whether the user has a debit card. If the user does not have a debit card, a prepayment method is used to create a prepayment plan for the user. It is also determined whether the user has a credit card account with a repayment plan. If the user does not have a credit card account with a repayment plan, it is determined whether the user has a credit card account. If the user does not have a credit card account, a prepayment method is used to create a prepayment plan for the user. If the user has a credit card account, it is determined whether the user has a debit card account. If the user does not have a debit card account, a prepayment method is used to create a prepayment plan for the user.

[0040] 103. The target account is monitored by a background real-time monitoring algorithm. When the target account changes, the corresponding business change information is obtained.

[0041] In this embodiment, the business change information refers to the opening information of the credit card account under the target account, the opening information of the debit card account, and the approval success of the loan class change. The background real-time monitoring algorithm refers to scanning the to-be-monitored database to obtain the information list of the to-be-monitored database. Then, based on the information list obtained by scanning, the target detection account in the to-be-monitored database is queried. Then, based on the target detection account, the permission information of the to-be-monitored database is queried, which includes but is not limited to at least one of the following: operation permission of the to-be-monitored database, database table permission of the to-be-monitored database, and database table field permission of the to-be-monitored database. Then, based on the target detection account and the permission information of the target detection account, the target detection account obtained by detection is compared with the historical target account information to obtain the business change information of the target account. The business information of the target account is monitored in real time by the background real-time monitoring algorithm to obtain the business change information.

[0042] In practical application, after the target account is created with a corresponding prepayment plan, the business information of the target account is monitored by a background real-time monitoring algorithm. By obtaining the information list of the to-be-monitored database, the target detection account is searched. By obtaining the corresponding permission information, the current business information of the target account is obtained. The current business information of the current target account is compared with the historical business account information detected in the last period to obtain the current business change information of the target account.

[0043] 104. According to the business change information, a preset repayment model is used to generate a corresponding repayment plan, and according to the repayment plan, the pre-repayment plan is updated to obtain the repayment plan of the target account.

[0044] In the embodiment, the repayment model refers to that, by analyzing and processing the changed account business information of the target account, the business information to be repaid of the target account and the corresponding to-be-repaid amount of each business are analyzed, and then the repayment plan of the similar to-be-repaid amount in the historical corresponding business database is matched by using the automatic matching technology through the to-be-repaid amount, and then the obtained repayment plan is updated to the above-mentioned pre-repayment plan by using the preset file updating method, so as to obtain the repayment plan generation model of the repayment plan of the target account.

[0045] In actual application, according to the business change information obtained by the implementation monitoring processing, the preset repayment model is used to find the corresponding repayment plan by using the automatic matching technology for the target account information after the business change, the corresponding repayment plan is found in the corresponding historical business repayment plan by using the business handled by the target account, the bank card information and the size of the to-be-repaid amount, and then the repayment plan of the corresponding business is obtained, the above-mentioned pre-repayment plan is updated by using the preset file updating method, and the specific repayment detailed information of the repayment plan is added to the pre-repayment plan, so that the repayment plan of the target account is obtained.

[0046] In the technical scheme provided by the application, the account information of the target account is obtained, and whether the target account is associated with a historical repayment plan is judged according to the account information; if the target account is not associated with a historical repayment plan, a corresponding repayment type is selected according to the account information, and a pre-repayment plan corresponding to the repayment type is created by using a preset pre-repayment method; a business monitoring is performed on the target account by using a background real-time monitoring algorithm, when the target account changes, corresponding business change information is obtained; according to the business change information, a preset repayment model is used to generate a corresponding repayment plan, and according to the repayment plan, the pre-repayment plan is updated to obtain the repayment plan of the target account. Compared with the prior art, the pre-repayment plan of the user who does not create a repayment plan is created, and the account information of the target account is monitored in real time, so that the repayment plan of the corresponding business is matched by using the repayment model, and the pre-repayment plan is updated and fed back to the user. Real-time monitoring of the account information of the user is realized, the repayment plan more consistent with the account information can be created for the user more quickly and conveniently, the user can be reminded to perform the repayment operation in time, and the use experience of the user is improved.

[0047] Please refer to Figure 2 The second embodiment of the repayment plan generation method in the embodiment of the application includes:

[0048] 201, extracting account setting information, credit card information and debit card information in the account information;

[0049] In this embodiment, after obtaining the account information of the target account, the account setting information, credit card information and debit card information are extracted from the account information.

[0050] 202, according to the repayment plan setting information, credit card information and debit card information, searching the repayment associated information corresponding to the target account;

[0051] In this embodiment, the repayment plan setting information refers to the setting information of reminding the user to repay on time according to the user account information, analyzing the information to be repaid, debit card information and the like; the credit card information refers to whether the user account has a credit card, whether the credit card is used for consumption and the like; the debit card information refers to the bank card information issued by the card issuing bank to the corresponding user, which has no credit limit and is used after depositing; the account information includes the repayment plan setting information, credit card information and debit card information, and the target account is determined to have a repayment plan according to the account information.

[0052] In actual application, according to the repayment plan setting information, credit card information and debit card information obtained by processing, it is determined whether the target account has a credit card by searching and judging the credit card information, if the target account has no corresponding repayment plan or no corresponding repayment plan and has a credit card account, if the target account has no debit card, it is determined that the target account has no repayment plan and the repayment associated information corresponding to the target account; in addition, if the target account has no repayment plan account and no credit card account, it is also determined that the target account has no repayment plan.

[0053] 203, if the repayment associated information corresponding to the target account is searched, it is determined that the target account is associated with a historical repayment plan, otherwise it is determined that the target account is not associated with a historical repayment plan;

[0054] In this embodiment, if the target account contains corresponding repayment associated information, it is determined that the target account is associated with a historical repayment plan, otherwise it is determined that the target account is not associated with a historical repayment plan.

[0055] 204, if the target account is not associated with a historical repayment plan, according to the account information, the corresponding repayment type is selected, and the pre-repayment method is used to create a pre-repayment plan corresponding to the repayment type;

[0056] 205, a background real-time monitoring algorithm is used to monitor the business of the target account, and when the target account changes, the corresponding business change information is obtained;

[0057] 206、according to the business change information, a preset repayment model is used to generate a corresponding repayment scheme, and according to the repayment scheme, the pre-repayment plan is updated to obtain the repayment plan of the target account.

[0058] In the embodiment of the application, the account setting information, the credit card information and the debit card information in the account information are extracted; the repayment association information corresponding to the target account is searched according to the repayment plan setting information, the credit card information and the debit card information; if the repayment association information corresponding to the target account is searched, it is determined that the target account is associated with the historical repayment plan, otherwise, it is determined that the target account is not associated with the historical repayment plan. Compared with the prior art, the application analyzes and processes the account information of the target account, and then determines whether the target account needs to create a pre-repayment plan according to the analysis of the account information, thereby distinguishing and creating a corresponding pre-repayment plan for the target account that needs to create a corresponding repayment plan, and subsequently screening and providing a template of the repayment plan for creating the required repayment plan of the target account.

[0059] Please refer to Figure 3 The third embodiment of the repayment plan generation method in the embodiment of the application includes:

[0060] 301, the account information of the target account is obtained, and whether the target account is associated with a historical repayment plan is determined according to the account information;

[0061] 302, if the target account is not associated with a historical repayment plan, a corresponding repayment type is selected according to the account information, and a pre-repayment plan corresponding to the repayment type is created by using a preset pre-repayment method;

[0062] 303, the permission information corresponding to the target account is obtained, and the current business data of the target account is scanned by using a hypertext language technology according to the permission information;

[0063] In this embodiment, the permission information refers to the corresponding permission protection of the account information of the user by the bank, and when some account information needs to be queried, the corresponding query permission needs to be obtained first, and the query of the corresponding information can be completed through the permission. The hypertext language technology refers to a computer technology for storing, organizing, managing and browsing information in a nonlinear manner according to the relationship between information. The historical business data table refers to a user data record table established when the previous account data is queried.

[0064] In actual application, the related permission information of the account of the target account is obtained, and then the data required for querying the above target account is scanned from the database by using the hypertext language technology according to the obtained permission information, and the current business data of the target account in the required data is extracted through the obtained permission.

[0065] 304. Obtain historical business data, compare the current business data with the historical business data table, and determine the corresponding monitoring result of the target account based on the comparison result;

[0066] In this embodiment, the historical business data here refers to historical business account data before the current business data query, such as business data of the previous query period.

[0067] In actual applications, historical business data is obtained and then compared with the current business data of the target account obtained from the historical business data (i.e., the historical business account data queried by the user in the previous period). The corresponding monitoring results for the target account are determined based on the comparison results. When a business change occurs in the target account, the corresponding business change information is obtained.

[0068] 305. Based on the business change information, a corresponding repayment plan is generated using a preset repayment model, and based on the repayment plan, the pre-repayment plan is updated to obtain the repayment plan of the target account.

[0069] In an embodiment of the present invention, the authority information corresponding to the target account is obtained, and based on the authority information, the current business data of the target account is scanned using hypertext language technology; historical business data is obtained, and the current business data is compared with the historical business data table, and the corresponding monitoring result of the target account is determined based on the comparison result. Compared with the existing technology, the present application obtains the current business data and the historical business data, and compares the two types of data, so as to obtain the changes in the business account information of the target account. The changes in the account business information can be analyzed to obtain the amount of repayment required for each business, and then the corresponding repayment plan can be generated according to the size of the repayment amount required for the business, providing the user with an accurate repayment plan in real time.

[0070] See also Figure 4 The fourth embodiment of the repayment plan generation method in the embodiment of the present invention includes:

[0071] 401. Obtain the historical account information of the target account, including past debit card information, credit card information, and loan business information;

[0072] In this embodiment, historical account information of the target account is obtained, and the historical account information includes past debit card information, credit card information, and loan business information.

[0073] 402. Use a preset Cartesian product to combine the past debit card information, credit card information, and loan business information to obtain a combination result;

[0074] In this embodiment, the Cartesian product refers to the Cartesian product (also known as the direct product) of two sets X and Y in mathematics, expressed as X×Y, where the first object is a member of X and the second object is a member of all possible ordered pairs of Y. Assuming set A = {a, b} and set B = {0, 1, 2}, the Cartesian product of the two sets is {(a, 0), (a, 1), (a, 2), (b, 0), (b, 1), (b, 2)}.

[0075] In actual applications, the historical account information obtained is combined by using a preset Cartesian product, which includes debit card information, credit card information, and various loan business information, to obtain a combination result of various information Cartesian product combination sets.

[0076] 403. Calculate multiple outstanding amounts corresponding to the target account based on the combination result, and classify each outstanding amount into intervals using a preset repayment amount comparison table;

[0077] In this embodiment, the repayment amount comparison table here refers to a comparison table of corresponding repayment methods for different repayment amount ranges obtained by analyzing the statistical analysis of people's repayment methods and repayment amounts based on bank big data.

[0078] In actual applications, various information combination sets are obtained based on the combination. The amount to be repaid in the business information of each account in the combination result is calculated, and according to the amount to be repaid of the business information of each account, the preset repayment amount comparison table is used to classify the size of the combination amount interval calculated by the combination result to obtain the amount interval corresponding to each information combination amount.

[0079] 404. Select a corresponding repayment plan based on the interval classification result, and use the classification result and the repayment plan as a training set to train a pre-set pre-trained model until convergence to obtain a repayment model;

[0080] In actual applications, by obtaining repayment plans for different historical businesses corresponding to different ranges of amounts, the corresponding repayment plan is selected based on the results of the interval classification; the classification results and repayment plans obtained from the above processing are used as training sets to train the pre-training model until a correspondence is established between the information classification results and the repayment plans for the corresponding ranges of amounts, and the final repayment model is obtained.

[0081] 405. Obtain the target account's account information and, based on the account information, determine whether the target account is associated with a historical repayment plan;

[0082] 406、if the target account is not associated with a historical repayment plan, then according to the account information, a corresponding repayment type is selected, and a pre-repayment plan corresponding to the repayment type is created by using a preset pre-repayment method;

[0083] 407、a background real-time monitoring algorithm is used to monitor the target account, and when the target account changes, corresponding business change information is obtained;

[0084] 408、according to the business change information, a corresponding repayment scheme is generated by using a preset repayment model, and the pre-repayment plan is updated according to the repayment scheme, and a repayment plan of the target account is obtained.

[0085] In the embodiment of the application, the historical account information of the target account is obtained, the historical account information includes past debit card information, credit card information and loan business information; the past debit card information, credit card information and loan business information are combined by using a preset Cartesian product to obtain a combination result; according to the combination result, a plurality of repayment amounts to be repaid corresponding to the target account are calculated, and each repayment amount to be repaid is classified by interval by using a preset repayment amount reference table; according to the result of the interval classification, a corresponding repayment scheme is selected, and the classified result and the repayment scheme are used as a training set to train a preset pre-training model until convergence, and a repayment model is obtained. Compared with the prior art, the application combines the historical account information and calculates the repayment amount to be repaid after combination, and then obtains the repayment plan of the historical different interval amount, and establishes a corresponding relationship between the combined account information and the obtained historical repayment plan, so as to obtain the repayment model. By analyzing the repayment amount to be repaid of the current account business and inputting it into the model, a corresponding repayment plan can be recommended, and efficient recommendation of the repayment plan is realized.

[0086] Please refer to Figure 5 The fifth embodiment of the repayment plan generation method in the embodiment of the application includes:

[0087] 501、obtain the account information of the target account, and determine whether the target account is associated with a historical repayment plan according to the account information;

[0088] 502、if the target account is not associated with a historical repayment plan, then according to the account information, a corresponding repayment type is selected, and a pre-repayment plan corresponding to the repayment type is created by using a preset pre-repayment method;

[0089] 503、a background real-time monitoring algorithm is used to monitor the target account, and when the target account changes, corresponding business change information is obtained;

[0090] 504、according to the business change information, the repayment amount to be repaid of each updated business of the target account is calculated, and each repayment amount to be repaid is sorted in descending order of amount, and a sorting result is obtained;

[0091] In this embodiment, according to the service change information obtained by processing, the amount to be repaid of each service of the target account is calculated, and then the calculated results are sorted according to the amount to be repaid, so as to obtain the sorting results corresponding to the amount to be repaid of each service, and the total amount to be repaid of each service is calculated.

[0092] 505、According to the sorting results, the repayment scheme corresponding to each updated service is matched by using the preset repayment model;

[0093] In this embodiment, the service change information obtained by processing is matched by using the model, so as to obtain the repayment scheme of each service more quickly and conveniently, thereby realizing the accurate and rapid provision of high-quality recommendation services for different target accounts.

[0094] In this embodiment, according to the sorting results obtained by processing, the repayment scheme of each service is matched by using the preset repayment model, and the repayment plan of the amount to be repaid of each service and the total service of the target account is matched, so as to obtain the repayment scheme of each service and the total repayment scheme of all services.

[0095] 506、According to the repayment scheme corresponding to each updated service, the repayment plan is updated to obtain the repayment plan of each service;

[0096] In this embodiment, according to the repayment scheme of each service and the total repayment scheme of all services matched, the repayment plan content of the above-mentioned processing is updated, and the repayment scheme corresponding to each service is added to the plan framework of the corresponding repayment plan, so as to obtain the repayment plan of each service and the total repayment plan.

[0097] 507、According to the sorting results, the repayment plan of each service is recommended according to the amount from large to small in priority, so as to obtain the repayment plan of the target account.

[0098] In this embodiment, according to the above-mentioned sorting results, the repayment plan of each service is recommended according to the amount in priority, and the total repayment plan is generated, so as to obtain the repayment plan of the target account.

[0099] In the embodiment of the present application, according to the service change information, the to-be-repaid amount of each updated service of the target account is calculated, and each to-be-repaid amount is sorted in descending order of the amount to obtain a sorting result; according to the sorting result, a pre-set repayment model is used to match a repayment scheme corresponding to each updated service; according to the repayment scheme corresponding to each updated service, a pre-repayment plan is updated to obtain a service repayment plan; according to the sorting result, the service repayment plan is prioritized according to the amount from large to small to obtain a repayment plan of the target account. Compared with the prior art, the present application matches the repayment plan corresponding to the amount of the analyzed account service information by using the repayment model. Through the model, the repayment plan corresponding to the to-be-repaid amount of each service can be matched, the generated repayment plan is more targeted and real-time accurate, and the repayment punctuality of the user is improved.

[0100] The above describes the repayment plan generation method in the embodiment of the present application, and the following describes the repayment plan generation device in the embodiment of the present application, please refer to Figure 6 An embodiment of the repayment plan generation device in the embodiment of the present application includes:

[0101] The judgment module 601 is configured to obtain account information of a target account, and determine whether the target account is associated with a historical repayment plan according to the account information;

[0102] The pre-creation module 602 is configured to, if the target account is not associated with a historical repayment plan, select a corresponding repayment type according to the account information, and create a pre-repayment plan corresponding to the repayment type by using a pre-set pre-repayment method;

[0103] The real-time monitoring module 603 is configured to perform service monitoring on the target account by using a background real-time monitoring algorithm, and obtain corresponding service change information when the target account has a service change;

[0104] The update module 604 is configured to generate a corresponding repayment scheme by using a pre-set repayment model according to the service change information, and update the pre-repayment plan according to the repayment scheme to obtain a repayment plan of the target account.

[0105] In the embodiment of the present application, the account information of the target account is obtained, and whether the target account is associated with a historical repayment plan is determined according to the account information; if the target account is not associated with a historical repayment plan, a corresponding repayment type is selected according to the account information, and a pre-repayment plan corresponding to the repayment type is created by using a preset pre-repayment method; a background real-time monitoring algorithm is used to monitor the business of the target account, when the target account changes, corresponding business change information is obtained; according to the business change information, a corresponding repayment plan is generated by using a preset repayment model, and the pre-repayment plan is updated according to the repayment plan, to obtain the repayment plan of the target account. Compared with the prior art, the pre-repayment plan is created for the user who has not created a repayment plan, and the business change information of the target account is monitored in real time, so that the repayment plan of the corresponding business is matched by using the repayment model, and the pre-repayment plan is updated and fed back to the user. Real-time monitoring of user account information is realized, the repayment plan more consistent with the account information can be created for the user more quickly and conveniently, the user is reminded to repay in time, and the user experience is improved.

[0106] Please refer to Figure 7 Another embodiment of the repayment plan generation device in the embodiment of the present application includes:

[0107] The judgment module 601 is configured to obtain the account information of the target account, and determine whether the target account is associated with a historical repayment plan according to the account information.

[0108] The pre-creation module 602 is configured to select a corresponding repayment type according to the account information if the target account is not associated with a historical repayment plan, and create a pre-repayment plan corresponding to the repayment type by using a preset pre-repayment method.

[0109] The real-time monitoring module 603 is configured to monitor the business of the target account by using a background real-time monitoring algorithm, and obtain corresponding business change information when the target account changes.

[0110] The update module 604 is configured to generate a corresponding repayment plan by using a preset repayment model according to the business change information, and update the pre-repayment plan according to the repayment plan, to obtain the repayment plan of the target account.

[0111] Further, the judgment module 601 includes:

[0112] The information extraction unit 6011 is configured to extract account setting information, credit card information and debit card information in the account information.

[0113] The information judging unit 6012 is configured to search for the repayment association information corresponding to the target account according to the repayment plan setting information, the credit card information and the debit card information.

[0114] The plan judging unit 6013 is configured to determine that the target account is associated with the historical repayment plan if the repayment association information corresponding to the target account is searched for, or determine that the target account is not associated with the historical repayment plan.

[0115] Further, the real-time monitoring module 603 comprises:

[0116] The scanning unit 6031 is configured to acquire the permission information corresponding to the target account, and scan the current business data of the target account by using the hypertext language technology according to the permission information.

[0117] The comparison unit 6032 is configured to acquire the historical business data, compare the current business data with the historical business data table, and determine the monitoring result corresponding to the target account according to the comparison result.

[0118] Further, the training module 605 comprises:

[0119] The acquisition unit 6051 is configured to acquire the historical account information of the target account, wherein the historical account information comprises the past debit card information, the credit card information and the loan business information.

[0120] The combination unit 6052 is configured to combine the past debit card information, the credit card information and the loan business information by using the preset Cartesian product, to obtain a combination result.

[0121] The classification unit 6053 is configured to calculate a plurality of repayment amounts corresponding to the target account according to the combination result, and perform interval classification on each of the repayment amounts by using a preset repayment amount reference table.

[0122] The training unit 6054 is configured to select a corresponding repayment plan according to the interval classification result, and take the classification result and the repayment plan as a training set to train a preset pre-training model until convergence, to obtain a repayment model.

[0123] Further, the updating module 604 comprises:

[0124] The sorting unit 6041 is configured to calculate the repayment amounts of each of the updated businesses of the target account according to the business change information, and sort each of the repayment amounts in descending order of the amount, to obtain a sorting result.

[0125] The matching unit 6042 is configured to match the repayment plan corresponding to each of the updated businesses by using the preset repayment model according to the sorting result.

[0126] Further, the update module 604 comprises:

[0127] An update unit 6043 is configured to update the pre-repayment plan according to the repayment scheme corresponding to each of the update services, to obtain a service repayment plan;

[0128] A recommendation unit 6044 is configured to recommend each of the service repayment plans according to the amount from large to small in priority according to the sorting result, to obtain a repayment plan of the target account.

[0129] In the embodiment of the application, the pre-creation of the repayment plan for the user account is performed, and then the repayment amount corresponding to each of the services is analyzed, the repayment model is trained, the repayment scheme is matched according to the repayment amount corresponding to each of the services, and the pre-repayment plan is updated according to the matched repayment scheme, so as to obtain the repayment plan required by the current user. The real-time monitoring of the user account information is realized, the amount to be repaid by the user is intelligently detected, a more accurate repayment plan is matched, the probability of the occurrence of the repayment overdue event of the user is reduced, and the use experience of the user is improved.

[0130] The above Figure 6 and Figure 7 The repayment plan generation device in the embodiment of the application is described in detail from the perspective of a modular functional entity, and the repayment plan generation device in the embodiment of the application is described in detail from the perspective of hardware processing.

[0131] Figure 8 is a structural schematic diagram of a repayment plan generation device provided by the embodiment of the application. The repayment plan generation device 800 can have great differences due to different configurations or performances, and can include one or more processors (central processing units, CPUs) 810 (for example, one or more processors) and a memory 820, one or more storage media 830 (for example, one or more mass storage devices) storing an application program 833 or data 832. The memory 820 and the storage medium 830 can be temporary storage or persistent storage. The program stored in the storage medium 830 can include one or more modules (not shown in the figure), and each module can include a series of instruction operations in the repayment plan generation device 800. Further, the processor 810 can be configured to communicate with the storage medium 830 and execute a series of instruction operations in the storage medium 830 on the repayment plan generation device 800.

[0132] The repayment plan generation device 800 can also include one or more power supplies 840, one or more wired or wireless network interfaces 850, one or more input / output interfaces 860, and / or one or more operating systems 831, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD, etc. Those skilled in the art will appreciate that Figure 8 The illustrated repayment plan generation device structure is not meant to imply architectural limitations but describes functionality that can be present in a repayment plan generation device. For example, one or more of the components can be combined or eliminated, and other components can be added.

[0133] The present application also provides a repayment plan generation device, the computer device comprising a memory and a processor, the memory storing computer readable instructions, the computer readable instructions being executed by the processor to make the processor execute the steps of the repayment plan generation method in each of the embodiments.

[0134] The present application also provides a computer readable storage medium, which can be a non-volatile computer readable storage medium, or a volatile computer readable storage medium, the computer readable storage medium storing instructions, the instructions being executed on a computer to make the computer execute each step of the repayment plan generation method.

[0135] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the system, device and unit described above can refer to the corresponding process in the foregoing method embodiments, which will not be described here.

[0136] The integrated unit, if implemented in the form of a software function unit and sold or used as an independent product, can be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the present application essentially or the part that contributes to the prior art or the whole or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a number of instructions for making a computer device (which can be a personal computer, a server, or a network device, etc.) execute all or part of the steps of the method described in each embodiment of the present application. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and various program code storage media.

[0137] The application is operable in numerous general purpose or special purpose computer system environments or configurations. Examples of well-known computing systems, environments, and / or configurations that can be suitable for use with the application include personal computers, server computers, handheld or laptop devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The application can be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, and the like, that perform particular tasks or implement particular abstract data types. The application can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in local and remote computer storage media including memory storage devices.

[0138] The above described embodiments are merely intended to illustrate the technical solutions of the present application, but not to limit it; even though the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that the technical solutions recorded in the foregoing embodiments can be modified, or some technical features can be replaced by equivalent ones; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

1. A repayment plan generation method, characterized in that: The repayment plan generation method includes: Obtain historical account information of the target account, including past debit card information, credit card information, and loan business information; Use the preset Cartesian product to combine the past debit card information, credit card information, and loan business information to obtain a combination result; Calculating multiple amounts to be repaid corresponding to the target account based on the combination result, and classifying each amount to be repaid into intervals using a preset repayment amount comparison table; Selecting a corresponding repayment plan based on the results of the interval classification, and using the classification results and the repayment plan as a training set to train a pre-set pre-trained model until convergence to obtain a repayment model; Obtaining account information of a target account, and determining, based on the account information, whether the target account is associated with a historical repayment plan; If the target account is not associated with a historical repayment plan, then select a corresponding repayment type based on the account information, and create a pre-repayment plan corresponding to the repayment type using a preset pre-repayment method; Using a backend real-time monitoring algorithm to monitor the target account's business operations, when a business change occurs in the target account, obtaining corresponding business change information, which refers to the changed banking business information, including at least the credit card account opening information, debit card account opening information, and loan approval success information under the target account's name; According to the business change information, a corresponding repayment plan is generated using a preset repayment model, and according to the repayment plan, the pre-repayment plan is updated to obtain the repayment plan of the target account.

2. The repayment plan generation method according to claim 1, characterized in that: The determining, based on the account information, whether the target account is associated with a historical repayment plan includes: extracting account setting information, credit card information, and debit card information from the account information; Retrieving repayment-related information corresponding to the target account based on the repayment plan setting information, the credit card information, and the debit card information; If the repayment association information corresponding to the target account is retrieved, it is determined that the target account is associated with a historical repayment plan; otherwise, it is determined that the target account is not associated with a historical repayment plan.

3. The repayment plan generation method according to claim 1, characterized in that: The use of a background real-time monitoring algorithm to perform business monitoring on the target account includes: Obtaining permission information corresponding to the target account, and scanning the current business data of the target account using hypertext language technology based on the permission information; Acquire historical business data, compare the current business data with the historical business data, and determine the monitoring result corresponding to the target account based on the comparison result.

4. The repayment plan generation method according to claim 1, characterized in that: The method of generating a corresponding repayment plan based on the business change information using a preset repayment model includes: Calculating the outstanding amounts of each updated business of the target account according to the business change information, and sorting the outstanding amounts from largest to smallest to obtain a sorting result; According to the ranking result, a preset repayment model is used to match the repayment plan corresponding to each of the updated services.

5. The repayment plan generation method according to claim 4, characterized in that: The updating of the pre-repayment plan according to the repayment scheme to obtain the repayment plan of the target account includes: According to the repayment scheme corresponding to each updated business, the pre-repayment plan is updated to obtain a repayment plan for each business; According to the ranking result, the repayment plans for each of the businesses are recommended in priority order from largest to smallest amount to obtain the repayment plan for the target account.

6. A repayment plan generating device, characterized in that: The repayment plan generating device includes: Training module: A combination unit, configured to obtain historical account information of a target account, including past debit card information, credit card information, and loan business information; combining the past debit card information, credit card information, and loan business information using a preset Cartesian product to obtain a combination result; a classification unit, configured to calculate, based on the combination result, a plurality of to-be-repaid amounts corresponding to the target account, and classify each of the to-be-repaid amounts into intervals using a preset repayment amount comparison table; A training unit, configured to select a corresponding repayment plan according to the result of the interval classification, and use the classification result and the repayment plan as a training set to train a preset pre-trained model until convergence to obtain a repayment model; a determination module, configured to obtain account information of a target account and determine, based on the account information, whether the target account is associated with a historical repayment plan; a pre-creation module configured to, if the target account is not associated with a historical repayment plan, select a corresponding repayment type based on the account information and create a pre-repayment plan corresponding to the repayment type using a preset pre-repayment method; A real-time monitoring module is configured to monitor the business of the target account using a background real-time monitoring algorithm and obtain corresponding business change information when a business change occurs in the target account. The business change information refers to the changed banking business information, which includes at least the credit card account opening information, debit card account opening information, and loan approval success information under the target account name; An updating module is used to generate a corresponding repayment plan based on the business change information using a preset repayment model, and to update the pre-repayment plan based on the repayment plan to obtain a repayment plan for the target account.

7. The repayment plan generation device according to claim 6, wherein the real-time monitoring module comprises: a scanning unit, configured to obtain permission information corresponding to the target account, and scan the current business data of the target account using hypertext language technology based on the permission information; The comparison unit is configured to obtain historical business data, compare the current business data with the historical business data, and determine the monitoring result corresponding to the target account according to the comparison result.

8. The repayment plan generation device according to claim 6, wherein the updating module comprises: A sorting unit is used to calculate the amount to be repaid of each updated business of the target account based on the business change information, and sort the amount to be repaid from large to small according to the amount to obtain a sorting result; a matching unit is used to match the repayment plan corresponding to each updated business using a preset repayment model based on the sorting result.

9. A repayment plan generating device, characterized in that: The repayment plan generating device includes: a memory and at least one processor, wherein the memory stores instructions; The at least one processor calls the instructions in the memory to enable the repayment plan generation device to perform the various steps of the repayment plan generation method as described in any one of claims 1-5.

10. A computer-readable storage medium having instructions stored thereon, characterized in that: When the instructions are executed by the processor, the various steps of the repayment plan generation method as described in any one of claims 1-5 are implemented.

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