Repayment reminder method and device

Abstract

The present invention provides a repayment reminder method and device, particularly relating to the field of big data. The method comprises: obtaining corresponding target customer identification information and a backup account number based on the current customer account number of the current customer; determining whether the current customer identification information provided by the current customer is consistent with the target customer identification information; if not, sending an account update reminder message to the backup account number so that the backup account number returns to the corresponding target account number; and updating the corresponding pending repayment reminder account number in a preset pending repayment reminder list to the target account number based on the pending repayment reminder list based on the pending repayment reminder list. The present invention can improve the speed and accuracy of re-determining the correct repayment reminder object when the repayment reminder object is incorrect, thereby improving the overall speed and accuracy of the repayment reminder and improving the security of the repayment reminder, thereby contributing to increasing the bank's revenue.

Description

Technical Field

[0001] The present invention relates to the field of business analysis, particularly to the field of big data, and more particularly to a repayment reminder method and device. Background Art

[0002] Credit card lending is a major banking business. Banks lend money to customers using credit cards and earn revenue by collecting interest that is paid along with the loan. For customers with overdue credit card payments, repayment reminders are necessary to encourage them to repay the loan and the corresponding interest as soon as possible. However, it's common for overdue customers who are the subject of repayment reminders to abandon their credit card accounts (such as the phone number associated with their credit card loan). This abandoned credit card account may then be re-registered by a customer who is not overdue. (For example, an overdue customer may cancel their phone number, but when applying for a new phone number, the customer may select the same phone number that the overdue customer has already abandoned.) While holding the account, the customer who is not overdue may repeatedly receive repayment reminders from the previous overdue customer, causing inconvenience and a poor user experience. Furthermore, after an overdue customer abandons their credit card account, it becomes difficult to provide repayment reminders, hindering their ability to repay the overdue loan and the corresponding interest promptly, and thus hindering the bank's profitability.

[0003] Therefore, when the above situation occurs, it is necessary to promptly relocate the credit card account currently used by the overdue customer (including but not limited to the current phone number and other media that can be used for repayment reminders) to determine the correct repayment reminder recipient for the repayment reminder. In the prior art, the method of relocating the repayment reminder recipient mainly involves receiving a complaint from a current customer who is not overdue and has been mistakenly reminded. Based on the current credit card account number and the relevant identity information provided by the customer, multiple manual rounds are performed to query the relevant information of the previous holder of the account (the overdue customer) and confirm the current account number used by the holder in order to issue the correct repayment reminder.

[0004] However, this method of re-locating the recipients of repayment reminders relies on manual labor and requires multiple, independent processes that must be passed down by different staff members. This is time-consuming, and the accuracy of determining the current credit card account number of overdue customers depends on the experience of each staff member, resulting in poor accuracy. Furthermore, the large number of staff members involved in this process can easily lead to information leakage, compromising the confidentiality of relevant customer information and, consequently, the overall security of repayment reminders.

[0005] In summary, the prior art has the problem that when the repayment reminder object is wrong, the speed of re-determining the correct repayment reminder object is slow and the accuracy is poor, which makes the overall repayment reminder slow and the accuracy is poor, and the security of the repayment reminder is poor. Summary of the Invention

[0006] One object of the present invention is to provide a repayment reminder method to address the prior art problem that, when an incorrect repayment reminder recipient is used, re-determining the correct repayment reminder recipient is slow and inaccurate, resulting in slower and less accurate overall repayment reminders and poor security. Another object of the present invention is to provide a repayment reminder device. A further object of the present invention is to provide a computer device. A further object of the present invention is to provide a readable medium.

[0007] In order to achieve the above objectives, one aspect of the present invention discloses a repayment reminder method, the method comprising:

[0008] According to the current customer account of the current customer, obtain the corresponding target customer identification information and backup account number;

[0009] Determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information; if not, send an account update reminder message to the standby account to return the standby account to the corresponding target account;

[0010] According to the target customer identification information, the corresponding pending repayment reminder account number in the preset pending repayment reminder list is updated to the target account number, so as to perform repayment reminder for the target account number based on the pending repayment reminder list.

[0011] Optionally, further including:

[0012] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer, obtaining the corresponding historical repayment reminder template based on the historical repayment reminder information provided by the current customer;

[0013] Determine whether the historical repayment reminder template is consistent with the preset standard repayment reminder template. If not, issue a first warning to the staff.

[0014] Optionally, further including:

[0015] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer,

[0016] Determine whether the current customer account is included in the preset pending repayment reminder list. If not, issue a second warning to the staff.

[0017] Optionally, obtaining corresponding target customer identification information and a backup account number based on the current customer account number of the current customer includes:

[0018] Determining the corresponding customer registration information in a preset pending repayment reminder list based on the current customer account;

[0019] According to the customer registration information, the corresponding target customer identification information and backup account number are obtained.

[0020] Optionally, determining the corresponding customer registration information in a preset pending repayment reminder list based on the current customer account number includes:

[0021] Determine a corresponding customer registration identifier based on the current customer account;

[0022] According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

[0023] Optionally, further including:

[0024] When it is determined that the current customer identification information provided by the current customer is consistent with the target customer identification information,

[0025] Give the staff a third alert.

[0026] Optionally, further including:

[0027] After sending the account update reminder information to the backup account,

[0028] Send corresponding repayment reminder information to the backup account.

[0029] Optionally, updating the corresponding pending repayment reminder account number in a preset pending repayment reminder list to the target account number according to the target customer identification information includes:

[0030] Determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information;

[0031] The pending repayment reminder account number in the customer registration information is updated to the target account number.

[0032] Optionally, determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information includes:

[0033] Determining a corresponding customer registration identifier based on the target customer identification information;

[0034] According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

[0035] Optionally, the step of providing a repayment reminder to the target account based on the repayment reminder list includes:

[0036] Based on the pending repayment reminder list, a repayment reminder message is sent to the target account in the pending repayment reminder list.

[0037] Optionally, the step of providing a repayment reminder to the target account based on the repayment reminder list includes:

[0038] The pending repayment reminder list is sent to a preset repayment reminder application, so that the repayment reminder application sends repayment reminder information to the target accounts in the pending repayment reminder list based on the pending repayment reminder list.

[0039] In order to achieve the above objectives, another aspect of the present invention discloses a repayment reminder device, comprising:

[0040] The account parsing module is used to obtain the corresponding target customer identification information and backup account number based on the current customer account number of the current customer;

[0041] An update reminder module is used to determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information. If not, an account update reminder message is sent to the standby account to make the standby account return to the corresponding target account;

[0042] The repayment reminder module is used to update the corresponding pending repayment reminder account in the preset pending repayment reminder list to the target account according to the target customer identification information, so as to provide repayment reminder to the target account based on the pending repayment reminder list.

[0043] The present invention also discloses a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the method described above is implemented when the processor executes the program.

[0044] The present invention also discloses a computer-readable medium on which a computer program is stored. When the program is executed by a processor, the method described above is implemented.

[0045] The repayment reminder method and device provided by the present invention obtain the corresponding target customer identification information and backup account number based on the current customer account number of the current customer. It can use the current customer account number that was actually mistakenly reminded as input to determine the identification information and backup account number related to the current customer account number that the previous overdue customer (target customer) was required to bind by the bank, thereby improving the accuracy of determining the target customer identification information and backup account number, thereby improving the accuracy of subsequent determination of the target customer as the correct repayment reminder object, and further improving the accuracy of the overall repayment reminder. By judging whether the current customer identification information provided by the current customer is consistent with the target customer identification information, if not, an account update reminder message is sent to the standby account so that the standby account returns to the corresponding target account. By comparing the identification information provided by the complaining customer with the identification information of the overdue customer previously bound, it is possible to accurately judge whether the current customer is the real overdue target customer, and only when it is confirmed that the current customer and the overdue target customer are not the same object will the relevant correction steps be continued, thereby effectively preventing the actual overdue target customer from taking the opportunity of complaining to get rid of the repayment reminder. In addition, sending the account update reminder message to the standby account can accurately re-contact the target customer and ask him to provide the target account currently in use for repayment reminder for the target account. Therefore, the above steps improve the accuracy of the overall repayment reminder. By updating the corresponding pending repayment reminder account in the preset pending repayment reminder list to the target account based on the target customer identification information, and performing repayment reminders on the target account based on the pending repayment reminder list, the pending repayment reminder list can be accurately updated, and the pending repayment reminder list helps to batch, automate and accurately perform multiple repayment reminders on the accounts of multiple overdue customers, thereby improving the accuracy and speed of the overall repayment reminder and facilitating the effectiveness of the repayment reminder. The repayment reminder method of the present invention can be automatically executed in the form of a program or application, greatly reducing the degree of dependence on manual labor and the turnover of relevant customer information, thereby significantly improving the speed of re-determining the correct repayment reminder object and the speed of the overall repayment reminder, and also greatly limiting the loss of information, which is conducive to improving security. In summary, the repayment reminder method and device provided by the present invention can improve the speed and accuracy of re-determining the correct repayment reminder object when the repayment reminder object is incorrect, thereby improving the overall speed and accuracy of the repayment reminder and improving the security of the repayment reminder, thereby facilitating the improvement of the bank's revenue. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0047] Figure 1 A schematic diagram showing a process flow of a repayment reminder method according to an embodiment of the present invention is shown;

[0048] Figure 2 A schematic diagram showing an optional step of obtaining corresponding target customer identification information and a backup account number according to an embodiment of the present invention is shown;

[0049] Figure 3 A schematic diagram showing an optional step of determining corresponding customer registration information in a preset pending repayment reminder list according to an embodiment of the present invention;

[0050] Figure 4 A schematic diagram showing an optional step of updating a pending repayment reminder account according to an embodiment of the present invention is shown;

[0051] Figure 5 A schematic diagram showing an optional step of determining customer registration information according to an embodiment of the present invention is shown;

[0052] Figure 6 A schematic diagram of a module of a repayment reminder device according to an embodiment of the present invention is shown;

[0053] Figure 7 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0054] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0055] The terms “first,” “second,” etc. used herein do not particularly refer to an order or sequence, nor are they used to limit the present invention. They are only used to distinguish elements or operations described with the same technical terms.

[0056] The words “include,” “including,” “have,” “contain,” etc. used in this document are open-ended terms, meaning including but not limited to.

[0057] As used herein, "and / or" includes any and all combinations of the items mentioned.

[0058] It should be noted that the acquisition, storage, use, and processing of data in the technical solution of the present invention are in compliance with the relevant provisions of national laws and regulations.

[0059] The embodiment of the present invention discloses a repayment reminder method, such as Figure 1 As shown, the method specifically includes the following steps:

[0060] S101: Obtain corresponding target customer identification information and backup account number according to the current customer account number of the current customer.

[0061] S102: Determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information. If not, send an account update reminder message to the standby account to return the standby account to the corresponding target account.

[0062] S103: According to the target customer identification information, the corresponding pending repayment reminder account number in the preset pending repayment reminder list is updated to the target account number, so as to provide repayment reminder to the target account number based on the pending repayment reminder list.

[0063] For example, the target customer identification information includes, but is not limited to, the target customer's name and ID number. This target customer identification information is information obtained by the bank with the target customer's consent when the target customer applies for a credit card loan and is used for binding. It should be noted that the specific content of the target customer identification information can be determined by those skilled in the art based on actual circumstances, and the above description is for illustrative purposes only and does not constitute a limitation.

[0064] Exemplarily, the current customer identification information includes, but is not limited to, the current customer's name and ID number. This information is obtained by the bank with the customer's consent when the customer files a complaint regarding an erroneous repayment reminder. It should be noted that the specific content of the current customer identification information can be determined by those skilled in the art based on actual circumstances, and the above description is for illustrative purposes only and does not constitute a limitation.

[0065] Exemplarily, the judgment of whether the current customer identification information provided by the current customer is consistent with the target customer identification information may be, but is not limited to, judging whether one or more information of a specific type in the current customer identification information is consistent with one or more information of the same type in the target customer identification information. It should be noted that the specific implementation method for judging whether the current customer identification information provided by the current customer is consistent with the target customer identification information can be determined by those skilled in the art based on actual conditions. The above description is only an example and does not constitute a limitation to this. If the actual overdue customer wants to take the opportunity of complaining to get rid of the repayment reminder, the current customer identification information provided by the customer at the time of the complaint will have to be consistent with the target customer identification information bound when the credit card loan business was originally processed (because in this case the overdue customer and the current customer are the same customer). In this case, the present solution can accurately identify the reminder object without relocating it, nor will it terminate the repayment reminder due to its complaint. On the one hand, it can reduce unnecessary time consumption, and on the other hand, it can indirectly enhance the accuracy and efficiency of the repayment reminder. Of course, if the current customer making the complaint is indeed mistakenly reminded, then he or she cannot be the same customer as the target customer who is overdue, that is, the current customer identification information and the target customer identification information cannot be consistent. Therefore, in this case, it is confirmed that the current customer is indeed the customer who was mistakenly reminded, so that subsequent steps can be taken to improve the accuracy and efficiency of repayment reminders.

[0066] For example, the nature of the current customer account, backup account, and target account may be, but is not limited to, a phone number or an account number for a related banking application, preferably a phone number. The phone number may be, but is not limited to, a landline number or a mobile phone number, preferably a mobile phone number. It should be noted that the nature of the current customer account, backup account, and target account may be determined by those skilled in the art based on actual circumstances, and the above description is for illustrative purposes only and does not constitute a limitation.

[0067] For example, the backup account number may be, but is not limited to, a backup account number authorized by a target customer to provide at the bank's request when applying for a credit card loan. For example, when applying for a credit card loan, in addition to providing their primary mobile phone number, the customer may also, at the bank's request, provide another available mobile phone number or a family member's mobile phone number as a backup account number. It should be noted that the source of the backup account number can be determined by those skilled in the art based on actual circumstances, and the above description is for illustrative purposes only and does not constitute a limitation.

[0068] Exemplarily, the sending of account update reminder information to the standby account may be, but is not limited to, sending reminder information in the form of text messages or application messages to the standby account, wherein the content of the update reminder information may be, but is not limited to, such as "The main account xxx bound to your xxx credit card loan business has expired, and you still need to repay xxx yuan before xxx time. Please rebind your current account and repay as soon as possible. Thank you", and a corresponding binding link may be provided. After receiving the update reminder information, the standby account can return the target account to the target account in the form of rebinding the target account with the loan business (or directly reply to the target account and let the bank bind it by itself). It should be noted that the specific implementation method of sending account update reminder information to the standby account can be determined by those skilled in the art according to actual conditions. The above description is only an example and does not constitute a limitation.

[0069] The repayment reminder method and device provided by the present invention obtain the corresponding target customer identification information and backup account number based on the current customer account number of the current customer. It can use the current customer account number that was actually mistakenly reminded as input to determine the identification information and backup account number related to the current customer account number that the previous overdue customer (target customer) was required to bind by the bank, thereby improving the accuracy of determining the target customer identification information and backup account number, thereby improving the accuracy of subsequent determination of the target customer as the correct repayment reminder object, and further improving the accuracy of the overall repayment reminder. By judging whether the current customer identification information provided by the current customer is consistent with the target customer identification information, if not, an account update reminder message is sent to the standby account so that the standby account returns to the corresponding target account. By comparing the identification information provided by the complaining customer with the identification information of the overdue customer previously bound, it is possible to accurately judge whether the current customer is the real overdue target customer, and only when it is confirmed that the current customer and the overdue target customer are not the same object will the relevant correction steps be continued, thereby effectively preventing the actual overdue target customer from taking the opportunity of complaining to get rid of the repayment reminder. In addition, sending the account update reminder message to the standby account can accurately re-contact the target customer and ask him to provide the target account currently in use for repayment reminder for the target account. Therefore, the above steps improve the accuracy of the overall repayment reminder. By updating the corresponding pending repayment reminder account in the preset pending repayment reminder list to the target account based on the target customer identification information, and performing repayment reminders on the target account based on the pending repayment reminder list, the pending repayment reminder list can be accurately updated, and the pending repayment reminder list helps to batch, automate and accurately perform multiple repayment reminders on the accounts of multiple overdue customers, thereby improving the accuracy and speed of the overall repayment reminder and facilitating the effectiveness of the repayment reminder. The repayment reminder method of the present invention can be automatically executed in the form of a program or application, greatly reducing the degree of dependence on manual labor and the turnover of relevant customer information, thereby significantly improving the speed of re-determining the correct repayment reminder object and the speed of the overall repayment reminder, and also greatly limiting the loss of information, which is conducive to improving security. In summary, the repayment reminder method and device provided by the present invention can improve the speed and accuracy of re-determining the correct repayment reminder object when the repayment reminder object is incorrect, thereby improving the overall speed and accuracy of the repayment reminder and improving the security of the repayment reminder, thereby facilitating the improvement of the bank's revenue.

[0070] In an optional embodiment, further comprising:

[0071] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer, obtaining the corresponding historical repayment reminder template based on the historical repayment reminder information provided by the current customer;

[0072] Determine whether the historical repayment reminder template is consistent with the preset standard repayment reminder template. If not, issue a first warning to the staff.

[0073] Exemplarily, the corresponding historical repayment reminder template is obtained based on the historical repayment reminder information provided by the current customer. The template may be formed by sequentially extracting other sentences or words other than variable fields from the historical repayment reminder information, wherein the variable fields may be, but are not limited to, fields in the repayment reminder information whose content varies depending on the user's related loan situation. For example, the repayment reminder information may be as follows:

[0074] "Mr. / Ms. *, as of * / * / *, the principal and related interest and fees outstanding on your credit card with the last digit * is * yuan. Please pay it off by * / * / *. If you have any questions, please call... "

[0075] The "*" represents the variable field. Correspondingly, excluding the content represented by "*", the remaining content is the historical repayment reminder template:

[0076] "Sir / Madam, as of (date) (month) (year), the total outstanding principal and related interest and fees on your credit card with the last digit of your credit card number is RMB. Please pay it off by (date) (month) (year). If you have any questions, please call... "

[0077] It should be noted that the specific implementation method of obtaining the corresponding historical repayment reminder template based on the historical repayment reminder information provided by the current customer can be determined by those skilled in the art based on actual conditions. The above description is only an example and does not constitute a limitation to this.

[0078] For example, determining whether the historical repayment reminder template is consistent with the preset standard repayment reminder template may include, but is not limited to, determining whether the content and order of relevant sentences and vocabulary in the historical repayment reminder template and the preset standard repayment reminder template are completely consistent. It should be noted that the specific implementation method for determining whether the historical repayment reminder template is consistent with the preset standard repayment reminder template can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0079] Exemplarily, the first alert to the staff may be, but is not limited to, throwing an exception to the staff indicating that the reminder is not from the current bank, so that the staff can personally verify that the historical repayment reminder information does belong to the current bank, and then decide to re-determine the correct repayment reminder object. If it is determined that it does not belong to the current bank, the current customer who made the complaint may be fed back with a suggestion that he or she file a complaint with the correct bank, and no longer execute the relevant subsequent steps. Among them, the exception indicating that the reminder is not from the current bank may be, but is not limited to, information such as "This repayment reminder information may not be sent by our bank, please verify with the staff" thrown by relevant programs, applications or systems. It should be noted that the specific implementation method of the first alert to the staff can be determined by those skilled in the art according to actual conditions. The above description is only an example and does not constitute a limitation to this.

[0080] Through the above steps, it is possible to first determine whether the repayment reminder message was sent by the bank being complained about. If it is indeed sent by the bank being complained about, subsequent processing can be carried out. If the repayment reminder message is not sent by the current bank being complained about, subsequent processing can be omitted. This can reduce the time wasted in the unnecessary step of re-identifying the correct overdue party during the repayment reminder process, thereby indirectly improving the overall speed of repayment reminders.

[0081] In an optional embodiment, further comprising:

[0082] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer,

[0083] Determine whether the current customer account is included in the preset pending repayment reminder list. If not, issue a second warning to the staff.

[0084] For example, the pending repayment reminder list may be, but is not limited to, a table or list containing the customer registration information of one or more customers who have applied for credit card loans and require reminders. Each piece of registration information includes at least the corresponding customer's account number. It should be noted that the specific nature of the pending repayment reminder list can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0085] For example, determining whether the current customer account is included in the preset pending repayment reminder list may include, but is not limited to, determining whether the pending repayment reminder list contains customer registration information corresponding to the current customer account. It should be noted that the specific implementation of determining whether the current customer account is included in the preset pending repayment reminder list can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0086] Exemplarily, the second warning to the staff may be, but is not limited to, throwing an exception to the staff indicating that the current customer account is not registered, so that the staff can confirm whether the false reminder is caused by an error in the relevant business application, software or system, and promptly repair the error when it is found. Among them, the exception indicating that the current customer account is not registered may be, but is not limited to, information thrown by the relevant program, application or system, such as "The current customer account corresponding to the repayment reminder information has not been entered into the list of pending repayment reminders. Please ask the staff to confirm whether there is a related program abnormality." It should be noted that the specific implementation method of the second warning to the staff can be determined by those skilled in the art according to actual conditions. The above description is only an example and does not constitute a limitation to this. Preferably, the current customer account can also be entered into a preset unregistered account list, so that the relevant staff can more easily conduct batch analysis of multiple accounts that are not registered but have received repayment reminders based on the unregistered account list, thereby more conducive to improving the speed and accuracy of the staff in determining errors in related programs, applications or systems.

[0087] If a customer account not registered on the repayment reminder list receives a repayment reminder, it indicates that a logical error has occurred in the relevant business system, program, or application, which requires timely repair to facilitate the normal operation of the bank's related business. Therefore, the above steps will promptly alert staff when such a situation occurs, thereby facilitating timely repairs to the relevant business system, program, or application. On the basis of being able to promptly restore other business operations to normal, repayment reminders and credit card loan-related business operations can also be carried out normally, thereby improving the overall efficiency of repayment reminders and benefiting the bank's profits.

[0088] In an optional embodiment, if Figure 2 As shown, the method of obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer includes the following steps:

[0089] S201: Determine the corresponding customer registration information in a preset pending repayment reminder list based on the current customer account;

[0090] S202: Obtain the corresponding target customer identification information and backup account number according to the customer registration information.

[0091] Exemplarily, since the customer registration information includes at least a corresponding customer account number, determining the corresponding customer registration information in the preset pending repayment reminder list based on the current customer account number may include, but is not limited to, using the current customer account number as a query keyword to search and match within the pending repayment reminder list to determine customer registration information that includes (corresponds to) the current customer account number. It should be noted that the specific implementation method for determining the corresponding customer registration information in the preset pending repayment reminder list based on the current customer account number can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation thereto.

[0092] Exemplarily, the customer registration information includes not only the corresponding customer account number but also the target customer identification information and backup account number associated with the previous overdue customer's use of the current customer account. Therefore, obtaining the corresponding target customer identification information and backup account number based on the customer registration information may include, but is not limited to, parsing the customer registration information to obtain the corresponding target customer identification information and backup account number. It should be noted that the specific implementation method for obtaining the corresponding target customer identification information and backup account number based on the customer registration information can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0093] An exemplary list of outstanding repayment reminders is shown below:

[0094] Current mobile phone number: A Backup mobile phone number: Mobile phone number B ID number: ID number A's name: Zhang

[0095] Current mobile phone number: C Backup mobile phone number: Mobile phone number D ID number: ID number B's name: Li

[0096] …

[0097] Among them, "Current mobile phone number: A Backup mobile phone number: Mobile phone number B ID number: ID number A's name: Zhang" and "Current mobile phone number: C Backup mobile phone number: Mobile phone number D ID number: ID number B's name: Li" respectively represent the corresponding customer registration information.

[0098] It should be noted that the specific form and content of the repayment reminder list and customer registration information can be determined by those skilled in the art based on actual circumstances. The above description is only an example and does not constitute a limitation.

[0099] Through the above steps, the current customer account can be parsed, and the corresponding target customer identification information and backup account number can be determined in the pending repayment reminder list that records the pending repayment reminder customer information. Since determining the relevant registration information in the actual list only requires a simple search process, and the determined registration information has a high credibility, the above steps can improve the speed and accuracy of determining the target customer identification information and backup account number, thereby improving the speed and accuracy of the overall repayment reminder.

[0100] In an optional embodiment, if Figure 3 As shown, the process of determining the corresponding customer registration information in the preset pending repayment reminder list based on the current customer account number includes the following steps:

[0101] S301: Determine a corresponding customer registration identifier according to the current customer account.

[0102] S302: Determine the corresponding customer registration information in the pending repayment reminder list according to the customer registration identifier.

[0103] Exemplarily, determining the corresponding customer registration identifier based on the current customer account may include, but is not limited to, using the current customer account to query a relevant database or system to determine the customer registration identifier corresponding to the current customer account. The customer registration identifier may include, but is not limited to, a customer ID or a data key value of the customer registration information corresponding to the customer. It should be noted that the specific implementation of determining the corresponding customer registration identifier based on the current customer account can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0104] Exemplarily, determining the customer registration information corresponding to the pending repayment reminder list based on the customer registration identifier may include, but is not limited to, using the customer registration identifier as input to query the correspondence between a preset customer registration identifier and the pending repayment reminder list and the customer registration information therein, thereby determining the customer registration information corresponding to the pending repayment reminder list. It should be noted that the specific implementation method for determining the customer registration information corresponding to the pending repayment reminder list based on the customer registration identifier can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation thereto.

[0105] Through the above steps, the granularity of the customer registration information corresponding to the current customer can be further refined, and the customer registration identifier with unique characteristics can be used as the basis for determining the customer registration information. The identifier can have the advantage of being easy to find the corresponding information quickly and accurately due to its unique characteristics, thereby improving the speed and accuracy of querying and determining customer registration information, thereby improving the speed and accuracy of determining the target customer identification information and backup account number, and further improving the speed and accuracy of the overall repayment reminder.

[0106] In an optional embodiment, further comprising:

[0107] When it is determined that the current customer identification information provided by the current customer is consistent with the target customer identification information,

[0108] Give the staff a third alert.

[0109] For example, the third warning to the staff member may include, but is not limited to, sending a warning message to the staff member such as, "The identification information of the complaining customer is consistent with the identification information of the overdue customer. There may be a case of a false complaint by an overdue customer. Please remain vigilant and confirm." It should be noted that the specific implementation method of the third warning to the staff member can be determined by those skilled in the art based on actual circumstances. The above description is merely an example and does not constitute a limitation.

[0110] Through the above steps, when the actual overdue target customers take the opportunity of complaining to get rid of their repayment reminders, the staff can be informed in time, and the staff can carry out further processing. This can have a stronger deterrent effect on false complaints, and is more conducive to enabling overdue customers to repay loans and interest in time, thereby being more conducive to improving the efficiency of repayment reminders, and further being more conducive to increasing the bank's profits.

[0111] In an optional embodiment, further comprising:

[0112] After sending the account update reminder information to the backup account,

[0113] Send corresponding repayment reminder information to the backup account.

[0114] For example, the sending of the corresponding repayment reminder information to the backup account may include, but is not limited to, sending a repayment reminder message such as, "You are overdue or have not fully repaid your xxx credit card loan. You must repay xxx yuan by xxx time." It should be noted that the specific implementation of sending the corresponding repayment reminder information to the backup account can be determined by those skilled in the art based on actual circumstances. The above description is merely an example and does not constitute a limitation.

[0115] Through the above steps, repayment reminders can be started when the backup account is determined. Bringing the repayment reminder time forward can strengthen the role of the repayment reminder, and is more conducive to enabling target customers to repay loans and interest in a timely manner, thereby improving the overall efficiency of repayment reminders and further helping to increase the bank's profits.

[0116] In an optional embodiment, if Figure 4 As shown, the method of updating the corresponding pending repayment reminder account number in the preset pending repayment reminder list to the target account number according to the target customer identification information includes the following steps:

[0117] S401: Determine the corresponding customer registration information in the pending repayment reminder list according to the target customer identification information.

[0118] S402: Update the pending repayment reminder account in the customer registration information to the target account.

[0119] Exemplarily, determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information may include, but is not limited to, using the target customer identification information as a query keyword to search and match within the pending repayment reminder list to determine customer registration information that contains (corresponds to) the target customer identification information. It should be noted that the specific implementation method for determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation thereto.

[0120] For example, updating the pending repayment reminder account number in the customer registration information to the target account number may include, but is not limited to, updating the attribute value of the pending repayment reminder account number in the registration information from the current customer account number to the target account number. The attribute name of the pending repayment reminder account number may include, but is not limited to, "current mobile phone number" or "current xx bank APP account number." It should be noted that the specific implementation method for updating the pending repayment reminder account number in the customer registration information to the target account number can be determined by those skilled in the art based on actual circumstances, and the above description is merely an example and does not constitute a limitation.

[0121] Through the above steps, based on the target customer identification information, the corresponding customer registration information can be accurately and quickly searched and determined in the actual repayment reminder list that records the information of customers to be reminded, thereby improving the speed and accuracy of correcting the repayment reminder objects, and further improving the speed and accuracy of the overall repayment reminder.

[0122] In an optional embodiment, if Figure 5As shown, the method of determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information includes the following steps:

[0123] S501: Determine a corresponding customer registration identifier according to the target customer identifier information.

[0124] S502: Determine the corresponding customer registration information in the pending repayment reminder list according to the customer registration identifier.

[0125] Exemplarily, the specific implementation method of determining the corresponding customer registration identification according to the target customer identification information can be referred to the description of step S301 in the embodiment of the present invention, which will not be repeated here.

[0126] For example, the specific implementation method of determining the corresponding customer registration information in the pending repayment reminder list based on the customer registration identifier can be referred to the description of step S302 in the embodiment of the present invention, which will not be repeated here.

[0127] Through the above steps, the granularity of the customer registration information corresponding to the overdue target customers can be further refined, and the customer registration identifier with unique characteristics can be used as the basis for determining the customer registration information. The identifier can have the advantage of being easy to find the corresponding information quickly and accurately due to its unique characteristics, thereby improving the speed and accuracy of querying and determining customer registration information, thereby improving the speed and accuracy of updating the pending repayment reminder account, and further improving the speed and accuracy of the overall repayment reminder.

[0128] In an optional embodiment, the repayment reminder for the target account based on the repayment reminder list includes:

[0129] Based on the pending repayment reminder list, a repayment reminder message is sent to the target account in the pending repayment reminder list.

[0130] For example, the sending of a repayment reminder message to the target account on the pending repayment reminder list may include, but is not limited to, first accessing the pending repayment reminder list, further identifying the target account on the pending repayment reminder list, and sending a repayment reminder message to the target account, such as, "You are overdue or have not fully repaid your xxx credit card loan. You must repay xxx yuan by xxx time." It should be noted that the specific implementation method for sending a repayment reminder message to the target account on the pending repayment reminder list can be determined by those skilled in the art based on actual circumstances. The above description is merely an example and does not constitute a limitation.

[0131] Preferably, the latest list of pending repayment reminders can be fed back to a program with a repayment reminder function in the relevant system (for example, but not limited to a program with a repayment reminder information sending function, etc.) at a preset frequency (for example, but not limited to daily or every 12 hours, etc.), so that the program can automatically provide repayment reminders to overdue customers corresponding to multiple customer registration information in the pending repayment reminder list, which can further improve the automation and efficiency of repayment reminders.

[0132] Through the above steps, repayment reminders can be issued to the target account during the batch repayment reminder process, without the need to issue separate repayment reminders specifically for the target account, thereby improving the efficiency of the overall repayment reminder.

[0133] In an optional embodiment, the repayment reminder for the target account based on the repayment reminder list includes:

[0134] The pending repayment reminder list is sent to a preset repayment reminder application, so that the repayment reminder application sends repayment reminder information to the target accounts in the pending repayment reminder list based on the pending repayment reminder list.

[0135] For example, the repayment reminder application may be, but is not limited to, an application with a repayment reminder function. Based on a list of outstanding repayment reminders, the application may send batches of repayment reminder text messages or application messages to the accounts of overdue customers included in the list. It should be noted that the specific type of repayment reminder application and the specific implementation method for sending repayment reminders can be determined by those skilled in the art based on actual circumstances. The above description is for illustrative purposes only and does not constitute a limitation.

[0136] Through the above steps, mature and complete related applications can automatically remind the target account to repay the loan. It can do so on time and quickly according to actual needs and relevant settings, further improving the automation and efficiency of repayment reminders.

[0137] Based on the same principle, the embodiment of the present invention discloses a repayment reminder device 600, such as Figure 6 As shown, the repayment reminder device 600 includes:

[0138] The account parsing module 601 is used to obtain the corresponding target customer identification information and backup account number based on the current customer account number of the current customer;

[0139] An update reminder module 602 is configured to determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information. If not, an account update reminder message is sent to the standby account to enable the standby account to return to the corresponding target account.

[0140] The repayment reminder module 603 is configured to update the corresponding pending repayment reminder account in the preset pending repayment reminder list to the target account according to the target customer identification information, so as to provide repayment reminder to the target account based on the pending repayment reminder list.

[0141] In an optional embodiment, the system further includes a first alarm module, configured to:

[0142] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer, obtaining the corresponding historical repayment reminder template based on the historical repayment reminder information provided by the current customer;

[0143] Determine whether the historical repayment reminder template is consistent with the preset standard repayment reminder template. If not, issue a first warning to the staff.

[0144] In an optional embodiment, the system further includes a second alarm module, configured to:

[0145] Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer,

[0146] Determine whether the current customer account is included in the preset pending repayment reminder list. If not, issue a second warning to the staff.

[0147] In an optional embodiment, the account resolution module 601 is configured to:

[0148] Determining the corresponding customer registration information in a preset pending repayment reminder list based on the current customer account;

[0149] According to the customer registration information, the corresponding target customer identification information and backup account number are obtained.

[0150] In an optional embodiment, the account resolution module 601 is configured to:

[0151] Determine a corresponding customer registration identifier based on the current customer account;

[0152] According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

[0153] In an optional embodiment, the system further includes a third alarm module, configured to:

[0154] When it is determined that the current customer identification information provided by the current customer is consistent with the target customer identification information,

[0155] Give the staff a third alert.

[0156] In an optional embodiment, the system further includes a pre-alert module for:

[0157] After sending the account update reminder information to the backup account,

[0158] Send corresponding repayment reminder information to the backup account.

[0159] In an optional implementation, the update reminder module 602 is configured to:

[0160] Determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information;

[0161] The pending repayment reminder account number in the customer registration information is updated to the target account number.

[0162] In an optional implementation, the update reminder module 602 is configured to:

[0163] Determining a corresponding customer registration identifier based on the target customer identification information;

[0164] According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

[0165] In an optional embodiment, the repayment reminder module 603 is configured to:

[0166] Based on the pending repayment reminder list, a repayment reminder message is sent to the target account in the pending repayment reminder list.

[0167] In an optional embodiment, the repayment reminder module 603 is configured to:

[0168] The pending repayment reminder list is sent to a preset repayment reminder application, so that the repayment reminder application sends repayment reminder information to the target accounts in the pending repayment reminder list based on the pending repayment reminder list.

[0169] Since the principle of solving the problem by the repayment reminder device 600 is similar to that of the above method, the implementation of the repayment reminder device 600 can refer to the implementation of the above method, which will not be described in detail here.

[0170] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer device. Specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0171] In a typical example, a computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the method described above is implemented.

[0172] Reference below Figure 7 , which shows a structural diagram of a computer device 700 suitable for implementing an embodiment of the present application.

[0173] like Figure 7 As shown, computer device 700 includes a central processing unit (CPU) 701, which can perform various appropriate tasks and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage portion 708 into a random access memory (RAM) 703. Various programs and data required for the operation of system 700 are also stored in RAM 703. CPU 701, ROM 702, and RAM 703 are connected to each other via a bus 704. An input / output (I / O) interface 705 is also connected to bus 704.

[0174] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output section 707 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 708 including devices such as a hard disk; and a communication section 709 including a network interface card such as a LAN card or a modem. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. Removable media 711, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 710 as needed, so that computer programs read therefrom can be installed in the storage section 708 as needed.

[0175] In particular, according to embodiments of the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program including program code for executing the methods illustrated in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709 and / or installed from removable media 711.

[0176] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0177] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing this application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0178] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0179] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0180] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0181] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "includes a..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0182] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0183] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0184] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0185] The foregoing is merely an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.

Claims

1. A repayment reminder method, characterized in that: include: According to the current customer account of the current customer, obtain the corresponding target customer identification information and backup account number; Determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information; if not, send an account update reminder message to the standby account to return the standby account to the corresponding target account; According to the target customer identification information, the corresponding pending repayment reminder account number in the preset pending repayment reminder list is updated to the target account number, so as to provide repayment reminder to the target account number based on the pending repayment reminder list; The step of obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer includes: Determine the corresponding customer registration information in the preset pending repayment reminder list based on the current customer account number of the current customer; According to the customer registration information, the corresponding target customer identification information and backup account number are obtained.

2. The method according to claim 1, characterized in that Further including: Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer, Based on the historical repayment reminder information provided by the current customer, obtain the corresponding historical repayment reminder template; Determine whether the historical repayment reminder template is consistent with the preset standard repayment reminder template. If not, issue a first warning to the staff.

3. The method according to claim 1, characterized in that Further including: Before obtaining the corresponding target customer identification information and backup account number based on the current customer account number of the current customer, Determine whether the current customer account is included in the preset pending repayment reminder list. If not, issue a second warning to the staff.

4. The method according to claim 1, wherein Determining the corresponding customer registration information in a preset pending repayment reminder list based on the current customer account number includes: Determine a corresponding customer registration identifier based on the current customer account; According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

5. The method according to claim 1, wherein Further including: When it is determined that the current customer identification information provided by the current customer is consistent with the target customer identification information, Give the staff a third alert.

6. The method according to claim 1, wherein Further including: After sending the account update reminder information to the backup account, Send corresponding repayment reminder information to the backup account.

7. The method according to claim 1, characterized in that The updating of the corresponding pending repayment reminder account number in the preset pending repayment reminder list to the target account number according to the target customer identification information includes: Determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information; The pending repayment reminder account number in the customer registration information is updated to the target account number.

8. The method according to claim 7, characterized in that Determining the corresponding customer registration information in the pending repayment reminder list based on the target customer identification information includes: Determining a corresponding customer registration identifier based on the target customer identification information; According to the customer registration identifier, the corresponding customer registration information in the pending repayment reminder list is determined.

9. The method according to claim 1, characterized in that The step of providing a repayment reminder to the target account based on the repayment reminder list includes: Based on the pending repayment reminder list, a repayment reminder message is sent to the target account in the pending repayment reminder list.

10. The method according to claim 1, characterized in that The step of providing a repayment reminder to the target account based on the repayment reminder list includes: The pending repayment reminder list is sent to a preset repayment reminder application, so that the repayment reminder application sends repayment reminder information to the target accounts in the pending repayment reminder list based on the pending repayment reminder list.

11. A repayment reminder device, characterized in that: include: The account parsing module is used to obtain the corresponding target customer identification information and backup account number based on the current customer account number of the current customer; An update reminder module is used to determine whether the current customer identification information provided by the current customer is consistent with the target customer identification information. If not, an account update reminder message is sent to the standby account to make the standby account return to the corresponding target account; a repayment reminder module, configured to update the corresponding pending repayment reminder account in a preset pending repayment reminder list to the target account according to the target customer identification information, so as to provide repayment reminders to the target account based on the pending repayment reminder list; The account parsing module is specifically used to: determine the corresponding customer registration information in the preset repayment reminder list based on the current customer account of the current customer; and obtain the corresponding target customer identification information and backup account number based on the customer registration information.

12. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the method according to any one of claims 1 to 10 is implemented.

13. A computer-readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

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