账户扣款处理方法及装置
By obtaining deduction information from bank card accounts and using a decision model to predict the probability of failure, the problem of payment failure due to insufficient balance in online payments has been solved, improving processing efficiency and user experience.
CN115345622BActive Publication Date: 2026-07-17ALIPAY COM CO LTD
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- ALIPAY COM CO LTD
- Filing Date
- 2022-08-10
- Publication Date
- 2026-07-17
Smart Images
Figure CN115345622B_ABST
Abstract
本说明书实施例提供了账户扣款处理方法及装置，其中，一种账户扣款处理方法包括：获取用户资金账户的扣款失败信息，以及针对所述用户资金账户进行扣款处理的扣款处理信息；将所述扣款失败信息和所述扣款处理信息输入扣款决策模型进行扣款预测，输出所述扣款处理的扣款失败概率；若所述扣款失败概率处于预设概率区间，则对所述扣款处理进行拦截处理；所述预设概率区间对应于满足扣款拦截条件的概率分布区间。
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