An automatic deduction method and system

Abstract

The application provides an automatic deduction method and relates to the field of financial technology. The automatic deduction method is based on the design of an automatic deduction pre-check mechanism, can perform multi-system data interaction verification in near real time, and when the verification result is pre-check success, the automatic deduction takes effect, thereby better guaranteeing the completeness and consistency of information. Therefore, the automatic deduction method can realize the technical effects of improving the real-time performance of automatic deduction information checking and better guaranteeing the completeness and consistency of automatic deduction information.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and more specifically, to an automatic deduction method and system. Background Technology

[0002] In the financial sector, particularly the credit card industry, automatic deductions are a crucial component. Currently, automatic credit card deductions are typically processed in batches at night. Firstly, the processing of automatic deduction requests is not timely enough, resulting in a poor real-time customer experience. Secondly, before deduction, various customer information, such as debit and credit card status and account details, needs to be checked to ensure information security and consistency. Incomplete data often leads to a low success rate for deductions, impacting customer experience. To address this issue, an automatic deduction method and system have been invented. This system uses an intelligent pre-check mechanism to proactively check and handle various data inconsistencies, improving the customer experience and increasing the success rate of automatic deductions. Summary of the Invention

[0003] This invention provides a method and system for automatic deduction, which can improve the real-time performance of automatic deduction information checking and better ensure the integrity and consistency of automatic deduction information.

[0004] In a first aspect, embodiments of the invention provide an automatic deduction method, comprising:

[0005] In response to an automatic deduction request sent by the user, the system to be repaid generates an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task.

[0006] The automatic deduction task is added to the first automatic deduction table of the pending repayment system;

[0007] When the preset pre-inspection conditions are met, the task processing system obtains the data to be processed for automatic deduction tasks whose status has not been pre-inspected.

[0008] The task processing system sends the data to be processed to the front-end business system and changes the status of the data in the first automatic deduction table to pre-inspection.

[0009] The front-end business system records the data to be processed in the second automatic deduction table of the front-end business system;

[0010] The front-end business system sends the data to be processed to the payment system;

[0011] The deduction system verifies the data to be processed;

[0012] After the verification is completed, the deduction system will send the verification result back to the front-end business system. The verification result includes whether the pre-detection failed or succeeded.

[0013] The front-end business system calls the update interface provided by the repayment system to upload the verification result to the repayment system;

[0014] The repayment system updates the status of the first automatic deduction table according to the verification result. When the verification result is "pre-check successful", the status of the first automatic deduction table is updated to "automatic deduction effective"; when the verification result is "pre-check failed", the status of the first automatic deduction table is updated to "pre-check failed".

[0015] The repayment system sends the verification result to the corresponding user terminal.

[0016] Optionally, the step of obtaining the data to be processed when the preset pre-inspection conditions are met includes:

[0017] The task processing system obtains the data to be processed for automatic deduction tasks whose status has not been pre-checked according to a pre-set time period.

[0018] Optionally, the preset period is 0s-600s.

[0019] Optionally, the step of the task processing system sending the data to be processed to the front-end business system and changing the status of the data to "pre-inspection" in the first automatic deduction table includes:

[0020] The data to be processed is sent to a message queue so that the front-end business system can consume the data to be processed from the message queue;

[0021] When the front-end business system consumes the data to be processed, it changes the status of the data to be processed to "in pre-inspection" in the first automatic deduction table.

[0022] Optionally, the step of the deduction system verifying the data to be processed includes:

[0023] When the main information is verified to be consistent, the deduction system determines that the data verification is successful;

[0024] The deduction system will feed back the successful verification result of the pre-inspection to the front-end business system.

[0025] Optionally, the step of the deduction system verifying the data to be processed, wherein each piece of data to be processed includes primary information and secondary information, including:

[0026] When the main information is consistent, determine whether the secondary information is complete;

[0027] If the secondary information is incomplete, the secondary information will be intelligently supplemented based on the customer information stored in other customer data systems.

[0028] Optionally, after the repayment system sends the verification result to the corresponding user terminal, the process includes:

[0029] When the pre-check fails, the repayment system automatically generates specific reason information for the pre-check failure.

[0030] Send the specific reason to the relevant business unit.

[0031] Optionally, the automatic deduction method is applied to a credit card system.

[0032] Secondly, this application provides an automatic deduction system, including:

[0033] The request and response module is used to respond to the user's automatic deduction request and generate an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task.

[0034] The task addition module is used to add the automatic deduction task to the first automatic deduction table;

[0035] The data acquisition module is used to obtain the data to be processed when it detects that the preset pre-inspection conditions are met and the automatic deduction task with the status of not pre-inspected is detected.

[0036] The task processing module is used to send the data to be processed and change the status of the data to pre-inspection in the first automatic deduction table;

[0037] The data recording module is used to record the data to be processed in the second automatic deduction table;

[0038] The data sending module is used to send the data to be processed;

[0039] A data verification module is used to verify the data to be processed;

[0040] The result feedback module is used to provide feedback on the verification result after the verification is completed. The verification result includes whether the pre-detection failed or the pre-detection was successful.

[0041] The interface call module is used to call the provided update interface to upload the verification result;

[0042] The status update module is used to update the status of the first automatic deduction table according to the verification result, wherein when the verification result is a successful pre-check, the status of the first automatic deduction table is updated to automatic deduction in effect; when the verification result is a failed pre-check, the status of the first automatic deduction table is updated to failed pre-check.

[0043] The result synchronization module is used to send the verification result to the corresponding user terminal.

[0044] Optionally, the data acquisition module is specifically used to acquire data to be processed for automatic deduction tasks whose status has not been pre-checked according to a preset time period.

[0045] Optionally, the data acquisition module is specifically used to acquire the data to be processed for automatic deduction tasks whose status has not been pre-checked according to a time period of 0s-600s.

[0046] Optionally, the task processing module is specifically used to send the data to be processed to a message queue for consumption from the message queue; when consuming the data to be processed, the status of the data to be processed in the first automatic deduction table is changed to pre-inspection.

[0047] Optionally, the data verification module is specifically used to determine that the data verification is successful when the main information verification is consistent; and to provide feedback on the verification result of successful pre-detection.

[0048] Optionally, the data verification module is specifically used to determine whether the secondary information is complete when the primary information is consistent; if the secondary information is incomplete, the secondary information is intelligently supplemented based on the customer information stored in other customer data systems.

[0049] Optionally, the automatic deduction system further includes:

[0050] The reason generation module is used to automatically generate specific reason information for the pre-detection failure when the pre-detection fails; and send the specific reason to the corresponding business terminal.

[0051] Thirdly, embodiments of this application provide an automatic deduction system, characterized in that the system includes...

[0052] The outstanding loan system includes:

[0053] The request and response module is used to respond to the user's automatic deduction request and generate an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task.

[0054] The task addition module is used to add the automatic deduction task to the first automatic deduction table;

[0055] The task processing system includes:

[0056] The data acquisition module is used to obtain the data to be processed when it detects that the preset pre-inspection conditions are met and the automatic deduction task with the status of not pre-inspected is detected.

[0057] The task processing module is used to send the data to be processed and change the status of the data to pre-inspection in the first automatic deduction table;

[0058] The front-end business systems include:

[0059] The data recording module is used to record the data to be processed in the second automatic deduction table;

[0060] The data sending module is used to send the data to be processed;

[0061] The payment system includes:

[0062] A data verification module is used to verify the data to be processed;

[0063] The result feedback module is used to provide feedback on the verification result after the verification is completed. The verification result includes whether the pre-detection failed or the pre-detection was successful.

[0064] The front-end business system also includes:

[0065] The interface call module is used to call the provided update interface to upload the verification result;

[0066] The outstanding loan system also includes:

[0067] The status update module is used to update the status of the first automatic deduction table according to the verification result, wherein when the verification result is a successful pre-check, the status of the first automatic deduction table is updated to automatic deduction in effect; when the verification result is a failed pre-check, the status of the first automatic deduction table is updated to failed pre-check.

[0068] The result synchronization module is used to send the verification result to the corresponding user terminal.

[0069] The aforementioned automatic deduction method and system, based on the design of an automatic deduction pre-inspection mechanism, can perform multi-system data interaction verification in near real-time. Furthermore, when the verification result indicates successful pre-inspection, automatic deduction takes effect, better ensuring the integrity and consistency of information. Therefore, this automatic deduction method can achieve the technical effects of improving the real-time performance of automatic deduction information inspection and better ensuring the integrity and consistency of automatic deduction information. Attached Figure Description

[0070] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on the structures shown in these drawings without creative effort.

[0071] Figure 1 This is a flowchart of an automatic deduction method provided in an embodiment of the present invention.

[0072] Figure 2 The flowchart shows the sub-steps of step S107 in the first embodiment of an automatic deduction method provided by the present invention.

[0073] Figure 3 The flowchart shows the sub-steps of step S113 in the first embodiment of an automatic deduction method provided by the present invention.

[0074] Figure 4 The flowchart shows a sub-step of step S113 in a second embodiment of an automatic deduction method provided by the present invention.

[0075] Figure 5 The flowchart shows a sub-step of step S121 in an automatic deduction method provided by an embodiment of the present invention.

[0076] Figure 6 This is a schematic diagram of the functional modules of an automatic deduction system provided in the first embodiment of the present invention.

[0077] Figure 7 This is a schematic diagram of the system architecture of an automatic deduction system provided in the second embodiment of the present invention.

[0078] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0079] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application. All other embodiments obtained by those skilled in the art based on the embodiments in this application without inventive effort are within the scope of protection of this application.

[0080] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in the specification, claims, and accompanying drawings of this application are used to distinguish similar planned objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data are interchangeable where appropriate; in other words, the described embodiments are implemented according to a sequence other than that illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, may also include other content; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0081] It should be noted that the use of terms such as "first" and "second" in this application is for descriptive purposes only and should not be construed as indicating or implying their relative importance or implicitly specifying the number of technical features indicated. Therefore, features defined with "first" and "second" may explicitly or implicitly include one or more of that feature. Furthermore, the technical solutions of the various embodiments can be combined with each other, but this must be based on the ability of those skilled in the art to implement them. If the combination of technical solutions is contradictory or impossible to implement, it should be considered that such a combination of technical solutions does not exist and is not within the scope of protection claimed in this application.

[0082] Please refer to the following: Figure 1 This is a flowchart illustrating an automatic deduction method provided by an embodiment of the present invention. The automatic deduction method is used to implement automatic deduction functionality, including but not limited to scenarios such as credit card repayment and contactless payment. The automatic deduction method can be applied to a credit card system. The automatic deduction method provided in the first embodiment specifically includes the following steps.

[0083] Step S101: In response to the automatic deduction request sent by the user, the system generating an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request can be a new automatic deduction request initiated by the user through an external channel, or it can be another operation preset by the system to enable the automatic deduction function; no limitation is made here.

[0084] In this embodiment, the automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task. The automatic deduction information includes several types, including but not limited to identity information and deduction account information. Identity information includes, but is not limited to, username; deduction account information includes, but is not limited to, bank card number, bank name, etc.

[0085] Step S103: The repayment system adds the automatic deduction task to the first automatic deduction table of the repayment system. The status of the automatic deduction task added to the first automatic deduction table can initially be set to "not pre-checked" so that other systems can identify and obtain the data to be processed.

[0086] Step S105: When a preset pre-inspection condition is detected, the task processing system acquires the automatic deduction tasks whose status is not pre-inspected, obtaining the data to be processed. Based on the preset pre-inspection condition, the system can acquire automatic deduction tasks whose status is not pre-inspected and meets the condition individually, or it can acquire all automatic deduction tasks whose status is not pre-inspected and meets the condition in batches, obtaining the data to be processed; this is not limited here. The system can store the modification information of the obtained data to be processed each time to ensure traceability and data logging. The modification information includes, but is not limited to, the modification content, the modification subject, and the modification time.

[0087] Preferably, the task processing system acquires unchecked automatic deduction tasks according to a pre-set time period to obtain data to be processed. From a time perspective, the system acquires newly added unchecked automatic deduction tasks within a certain time period according to a pre-set time period.

[0088] Preferably, the preset time period is 0s-600s. Setting a shorter time allows for near real-time acquisition of new automatic deduction tasks.

[0089] In step S107, the task processing system sends the data to be processed to the front-end business system and changes the status of the data in the first automatic deduction table to "under pre-inspection". Sending the data to be processed to the front-end business system for further processing and updating the status in the first automatic deduction table from "not under pre-inspection" to "under pre-inspection" avoids duplicate processing. In some feasible embodiments, the data to be processed can be sent to a message queue for the front-end business system to consume from the message queue. Step S107 will be described in detail below.

[0090] Step S109: The front-end business system records the data to be processed in the second automatic deduction table of the front-end business system.

[0091] In step S111, the front-end business system sends the data to be processed to the deduction system. The front-end business system enables interconnection between the repayment system, the task processing system, and the deduction system, improving system flexibility and security. Communication between the front-end business system and other systems can be based on remote procedure calls, message queues, or other inter-system communication methods; no limitation is made here.

[0092] Step S113: The deduction system verifies the data to be processed. In distributed systems in the financial field, customer information and card financial transaction information are usually separated in different application systems. The automatic deduction information to be processed is verified using the customer data information stored in the deduction system. In some feasible embodiments, when the main information verification is consistent, the deduction system can determine that the data verification is successful; the deduction system feeds back the successful verification result to the front-end business system. In other feasible embodiments, when the main information is consistent, it is determined whether the secondary information is complete; if the secondary information is incomplete, the secondary information can be intelligently supplemented based on the customer information stored in other customer data systems. Step S113 will be described in detail below.

[0093] Step S115: After the verification is completed, the deduction system sends the verification result back to the front-end business system. The verification result includes pre-detection failure or pre-detection success. The feedback of the verification result can be based on remote procedure call, message queue, or other inter-system communication methods; no limitation is made here.

[0094] In step S117, the front-end business system calls the update interface provided by the repayment system to upload the verification result to the repayment system. Uploading the verification result by calling the update interface provided by the repayment system can alleviate the latency of cross-process access and simplify the complexity of programming.

[0095] In step S119, the repayment system updates the status of the first automatic deduction table based on the verification result. Specifically, when the verification result is "pre-check successful," the status of the first automatic deduction table is updated to "automatic deduction effective"; when the verification result is "pre-check failed," the status of the first automatic deduction table is updated to "pre-check failed." By promptly updating the status of the first automatic deduction table with the verification result uploaded by the front-end business system, the real-time performance of automatic deduction information checks is improved.

[0096] In step S121, the repayment system sends the verification result to the corresponding user client. Sending the verification result to the client in a timely manner allows customers to promptly understand the verification result of the automatic deduction information, improving the user experience.

[0097] Please refer to Figure 2 This is a flowchart of the sub-steps of step S107 in the first embodiment of an automatic deduction method provided by the present invention, including steps S201-S203.

[0098] Step S201: Send the data to be processed to the message queue so that the front-end business system can consume the data to be processed from the message queue.

[0099] Step S203: When the front-end business system consumes the data to be processed, the status of the data to be processed in the first automatic deduction table is changed to "pre-inspection". Communication between the task processing system and the front-end business system is achieved through a message queue, and message data is stored independently, reducing coupling between systems.

[0100] Please refer to Figure 3 This is a flowchart of the sub-steps of step S113 in the first embodiment of an automatic deduction method provided by the present invention, including steps S301-S303.

[0101] Step S301: When the main information matches, the deduction system determines that the data verification is successful. The main information may include, but is not limited to, customer identity information, account number, and card number. This type of information is crucial for automatic deductions; when the main information matches, the data verification can be confirmed as successful.

[0102] In step S303, the deduction system feeds back the verification result of the successful pre-detection to the front-end business system.

[0103] Please refer to Figure 4 This is a flowchart of the sub-steps of step S113 in the second embodiment of an automatic deduction method provided by the present invention, including steps S401-S403.

[0104] Step S401: When the main information is consistent, determine whether the secondary information is complete.

[0105] Step S403: If the secondary information is incomplete, the secondary information is intelligently supplemented based on customer information stored in other customer data systems. Each piece of data to be processed includes primary information and secondary information. Information other than customer identity information, account number, and card number can be intelligently supplemented using customer information stored in other customer data systems.

[0106] Please refer to Figure 5 This is a flowchart of a sub-step in step S121 of an automatic deduction method provided in an embodiment of the present invention.

[0107] Step S501: When the pre-detection fails, the repayment system automatically generates specific reason information for the pre-detection failure.

[0108] Step S503: Send the specific reason to the corresponding business unit. When the customer's main information does not match and the pre-detection fails, the system can automatically identify and assemble the specific reason for the failure, notify relevant system personnel for quick manual intervention, and improve user experience.

[0109] The aforementioned automatic deduction method, based on the design of an automatic deduction pre-inspection mechanism, can perform multi-system data interaction verification in near real-time. Furthermore, when the verification result indicates successful pre-inspection, the automatic deduction takes effect, better ensuring the integrity and consistency of information. Therefore, this automatic deduction method can achieve the technical effects of improving the real-time performance of automatic deduction information inspection and better ensuring the integrity and consistency of automatic deduction information.

[0110] Please refer to Figure 6 This is a functional module diagram of an automatic deduction system 100 provided in the first embodiment of the present invention. The automatic deduction system 100 includes a request response module 10, a task addition module 11, a data acquisition module 12, a task processing module 13, a data recording module 14, a data sending module 15, a data verification module 16, a result feedback module 17, an interface call module 18, a status update module 19, and a result synchronization module 20.

[0111] The request-response module 10 is used to respond to the user's automatic deduction request and generate an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task.

[0112] The task addition module 11 is used to add the automatic deduction task to the first automatic deduction table.

[0113] The data acquisition module 12 is used to obtain the data to be processed when it detects that the preset pre-inspection conditions are met and the automatic deduction task with the status of not pre-inspection is detected.

[0114] The task processing module 13 is used to send the data to be processed and change the status of the data to pre-inspection in the first automatic deduction table.

[0115] The data recording module 14 is used to record the data to be processed in the second automatic deduction table.

[0116] The data sending module 15 is used to send the data to be processed.

[0117] The data verification module 16 is used to verify the data to be processed.

[0118] The result feedback module 17 is used to provide feedback on the verification result after the verification is completed. The verification result includes whether the pre-detection failed or the pre-detection was successful.

[0119] The interface call module 18 is used to call the provided update interface to upload the verification result.

[0120] The status update module 19 is used to update the status of the first automatic deduction table according to the verification result, wherein when the verification result is a successful pre-check, the status of the first automatic deduction table is updated to automatic deduction effective; when the verification result is a failed pre-check, the status of the first automatic deduction table is updated to failed pre-check.

[0121] The result synchronization module 20 is used to send the verification result to the corresponding user terminal.

[0122] For example, the data acquisition module 12 is specifically used to acquire the data to be processed for automatic deduction tasks whose status has not been pre-checked according to a preset time period.

[0123] For example, the data acquisition module 12 is specifically used to acquire the data to be processed for automatic deduction tasks whose status has not been pre-checked according to a time period of 0s-600s.

[0124] For example, the task processing module 13 is specifically used to send the data to be processed to a message queue for consumption from the message queue; when consuming the data to be processed, the status of the data to be processed in the first automatic deduction table is changed to pre-inspection.

[0125] For example, the data verification module 16 is specifically used to determine that the data verification is successful when the main information verification is consistent; and to provide feedback on the verification result of successful pre-detection.

[0126] For example, the data verification module 16 is specifically used to determine whether the secondary information is complete when the primary information is consistent; if the secondary information is incomplete, the secondary information is intelligently supplemented based on the customer information stored in other customer data systems.

[0127] For example, the automatic deduction system further includes:

[0128] The reason generation module is used to automatically generate specific reason information for the pre-detection failure when the pre-detection fails; and send the specific reason to the corresponding business terminal.

[0129] The aforementioned automatic deduction system, based on the design of an automatic deduction pre-check mechanism, can perform multi-system data interaction verification in near real-time. Furthermore, when the verification result indicates successful pre-check, the automatic deduction takes effect, better ensuring the integrity and consistency of information. Therefore, this automatic deduction method can achieve the technical effects of improving the real-time performance of automatic deduction information checks and better ensuring the integrity and consistency of automatic deduction information.

[0130] Please refer to Figure 7This is a schematic diagram of the system architecture of an automatic deduction system provided in the second embodiment of the present invention. The automatic deduction system 100' includes a repayment system 1, a task processing module 2, a front-end business system 3, and a deduction system 4.

[0131] The repayment system includes a request response module 10 and a task addition module 11. The request response module 10 is used to respond to an automatic deduction request from a user, generating an automatic deduction task corresponding to the request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information, whereby the status information indicates the pre-check status of the automatic deduction task. The task addition module 11 is used to add the automatic deduction task to a first automatic deduction table.

[0132] The task processing system 2 includes a data acquisition module 12 and a task processing module 13. The data acquisition module 12 is used to acquire automatic deduction tasks whose status is not yet pre-checked and obtain data to be processed when a preset pre-check condition is detected. The task processing module 13 is used to send the data to be processed and change the status of the data in the first automatic deduction table to "under pre-check".

[0133] The front-end business system 3 includes a data recording module 14 and a data sending module 15. The data recording module 14 is used to record the data to be processed in the second automatic deduction table. The data sending module 15 is used to send the data to be processed.

[0134] The deduction system includes a data verification module 16 and a result feedback module 17. The data verification module 16 is used to verify the data to be processed. The result feedback module 17 is used to provide a verification result after the verification is completed, including whether the pre-detection failed or succeeded.

[0135] The front-end business system 3 also includes an interface call module 18, which is used to call the provided update interface to upload the verification result.

[0136] The repayment system 1 also includes a status update module 19 and a result synchronization module 20. The status update module 19 is used to update the status of the first automatic deduction table according to the verification result. Specifically, when the verification result is "pre-check successful," the status of the first automatic deduction table is updated to "automatic deduction effective"; when the verification result is "pre-check failed," the status of the first automatic deduction table is updated to "pre-check failed." The result synchronization module 20 is used to send the verification result to the corresponding user terminal.

[0137] The aforementioned automatic repayment system 100', based on an automatic deduction pre-check mechanism, can perform multi-system data interaction verification in near real-time. Furthermore, when the verification result indicates a successful pre-check, the automatic deduction takes effect, better ensuring the integrity and consistency of information. Therefore, this automatic deduction method can achieve the technical effects of improving the real-time performance of automatic deduction information checks and better ensuring the integrity and consistency of automatic deduction information. In addition, the aforementioned automatic repayment system 100' processes data in different components, which can improve processing efficiency.

[0138] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

[0139] The above-listed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Therefore, any equivalent variations made in accordance with the claims of this application shall still fall within the scope of this application.

Claims

1. An automatic deduction method, characterized in that, include: In response to an automatic deduction request sent by the user, the system to be repaid generates an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task. The automatic deduction task is added to the first automatic deduction table of the repayment system, wherein the status of the automatic deduction task added to the first automatic deduction table is initially set to unchecked; When the preset pre-inspection conditions are met, the task processing system obtains the data to be processed for automatic deduction tasks whose status has not been pre-inspected. The task processing system sends the data to be processed to the front-end business system and changes the status of the data in the first automatic deduction table to pre-inspection. The front-end business system records the data to be processed in the second automatic deduction table of the front-end business system; The front-end business system sends the data to be processed to the payment system; The deduction system verifies the data to be processed; After the verification is completed, the deduction system will send the verification result back to the front-end business system. The verification result includes whether the pre-detection failed or succeeded. The front-end business system calls the update interface provided by the repayment system to upload the verification result to the repayment system; The repayment system updates the status of the first automatic deduction table according to the verification result. When the verification result is "pre-check successful", the status of the first automatic deduction table is updated to "automatic deduction effective"; when the verification result is "pre-check failed", the status of the first automatic deduction table is updated to "pre-check failed". The repayment system sends the verification result to the corresponding user terminal.

2. The automatic deduction method according to claim 1, characterized in that, The step of obtaining the data to be processed by the task processing system when the preset pre-inspection conditions are met includes: The task processing system obtains the data to be processed for automatic deduction tasks whose status has not been pre-checked according to a pre-set time period.

3. The automatic deduction method according to claim 2, characterized in that, The preset time period is 0s-600s.

4. The automatic deduction method according to claim 1, characterized in that, The steps of the task processing system sending the data to be processed to the front-end business system and changing the status of the data in the first automatic deduction table to "pre-inspection" include: The data to be processed is sent to a message queue so that the front-end business system can consume the data to be processed from the message queue; When the front-end business system consumes the data to be processed, it changes the status of the data to be processed to "in pre-inspection" in the first automatic deduction table.

5. The automatic deduction method according to claim 1, characterized in that, The steps of the deduction system to verify the data to be processed include: When the main information is verified to be consistent, the deduction system determines that the data verification is successful; The deduction system will feed back the successful verification result of the pre-inspection to the front-end business system.

6. The automatic deduction method according to claim 5, characterized in that, The deduction system verifies the data to be processed, and each piece of data to be processed includes primary information and secondary information, including: When the main information is consistent, determine whether the secondary information is complete; If the secondary information is incomplete, the secondary information will be intelligently supplemented based on the customer information stored in other customer data systems.

7. The automatic deduction method according to claim 1, characterized in that, After the repayment system sends the verification result to the corresponding user client, the following steps are included: When the pre-check fails, the repayment system automatically generates specific reason information for the pre-check failure. Send the specific reason to the relevant business unit.

8. The automatic deduction method according to claim 1, characterized in that, The automatic deduction method is applied to the credit card system.

9. An automatic deduction system, characterized in that, include: The request and response module is used to respond to the user's automatic deduction request and generate an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task. The task addition module is used to add the automatic deduction task to the first automatic deduction table, wherein the status of the automatic deduction task added to the first automatic deduction table is initially set to unchecked; The data acquisition module is used to obtain the data to be processed when it detects that the preset pre-inspection conditions are met and the automatic deduction task with the status of not pre-inspected is detected. The task processing module is used to send the data to be processed and change the status of the data to pre-inspection in the first automatic deduction table; The data recording module is used to record the data to be processed in the second automatic deduction table; The data sending module is used to send the data to be processed; A data verification module is used to verify the data to be processed; The result feedback module is used to provide feedback on the verification result after the verification is completed. The verification result includes whether the pre-detection failed or the pre-detection was successful. The interface call module is used to call the provided update interface to upload the verification result; The status update module is used to update the status of the first automatic deduction table according to the verification result, wherein when the verification result is a successful pre-check, the status of the first automatic deduction table is updated to automatic deduction in effect; when the verification result is a failed pre-check, the status of the first automatic deduction table is updated to failed pre-check. The result synchronization module is used to send the verification result to the corresponding user terminal.

10. An automatic deduction system, characterized in that, The system includes The outstanding loan system includes: The request and response module is used to respond to the user's automatic deduction request and generate an automatic deduction task corresponding to the automatic deduction request. The automatic deduction request includes automatic deduction information, and the automatic deduction task includes the automatic deduction information and status information. The status information is used to indicate the pre-check status of the automatic deduction task. The task addition module is used to add the automatic deduction task to the first automatic deduction table, wherein the status of the automatic deduction task added to the first automatic deduction table is initially set to unchecked; The task processing system includes: The data acquisition module is used to obtain the data to be processed when it detects that the preset pre-inspection conditions are met and the automatic deduction task with the status of not pre-inspected is detected. The task processing module is used to send the data to be processed and change the status of the data to pre-inspection in the first automatic deduction table; The front-end business systems include: The data recording module is used to record the data to be processed in the second automatic deduction table; The data sending module is used to send the data to be processed; The payment system includes: A data verification module is used to verify the data to be processed; The result feedback module is used to provide feedback on the verification result after the verification is completed. The verification result includes whether the pre-detection failed or the pre-detection was successful. The front-end business system also includes: The interface call module is used to call the provided update interface to upload the verification result; The outstanding loan system also includes: The status update module is used to update the status of the first automatic deduction table according to the verification result, wherein when the verification result is a successful pre-check, the status of the first automatic deduction table is updated to automatic deduction in effect; when the verification result is a failed pre-check, the status of the first automatic deduction table is updated to failed pre-check. The result synchronization module is used to send the verification result to the corresponding user terminal.

Images