Adaptation method and device of money deduction channel, computer equipment and storage medium

Abstract

The invention provides a money deduction channel adaptation method and device, computer equipment and a storage medium, and belongs to the technical field of data processing. The method comprises the following steps: obtaining an applicable deduction channel for replacing a deduction resource account; determining a target deduction channel meeting the contract attribute requirement from the applicable deduction channels; the contract attribute requirement at least comprises a region attribute requirement of the lease contract corresponding to the withholding resource account; comparing the single deduction quota of the target deduction channel with the maximum repayment amount in the repayment amounts of the substitute deduction resource account in each period; and under the condition that the single deduction quota is greater than or equal to the maximum repayment amount, the target deduction channel is adapted to be the deduction channel of the deduction resource account. By adopting the technical scheme of the invention, the appropriate deduction channel can be automatically selected to carry out withholding agreement signing, so that the withholding failure of the deduction channel due to a single limit is avoided, and the withholding efficiency and success rate are improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, computer equipment and storage medium for adapting a deduction channel. Background Art

[0002] With the rise of vehicle leasing business, more and more customers choose to sign a withholding agreement with a financial institution or financial enterprise before the contract starts, and the financial institution or financial enterprise will withhold the monthly rent from the customer's bank card after the contract starts. However, in the relevant technology, once the single limit of the withholding channel specified by the financial institution or financial enterprise when the customer signs the withholding agreement is lower than the maximum amount of each repayment that needs to be deducted from the customer's bank card after the contract starts, the financial institution or financial enterprise will fail to perform the withholding operation for the customer.

[0003] Therefore, how to choose the appropriate deduction channel when signing a deduction agreement, so as to avoid the failure of the deduction operation due to the single transaction limit of the deduction channel, and then improve the efficiency and success rate of the deduction, has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to propose a method, device, computer equipment and storage medium for adapting a deduction channel, aiming to automatically select a suitable deduction channel for signing a deduction agreement, thereby avoiding the failure of the deduction channel due to a single transaction limit, thereby improving the efficiency and success rate of the deduction.

[0005] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application proposes a method for adapting a deduction channel, the method comprising:

[0006] Obtain the applicable deduction channel of the deduction resource account;

[0007] Determining a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account;

[0008] Compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account;

[0009] When the single deduction limit is greater than or equal to the maximum repayment amount, the target deduction channel is adapted as the deduction channel of the withholding resource account.

[0010] In some embodiments, after adapting the target deduction channel as the deduction channel of the withholding payment resource account, the method further includes:

[0011] Generate a grayscale configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account;

[0012] Based on the grayscale configuration, targeted trial order processing is performed on the deduction channel of the withholding payment resource account.

[0013] In some embodiments, after generating the grayscale configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account, the method further includes:

[0014] Get the deduction channel configuration corresponding to the deduction service;

[0015] In a case where the lease contract to which the withholding payment service belongs is a lease contract associated with the withholding payment channel configuration, determining that the lease contract to which the withholding payment service belongs is a trial order contract;

[0016] In the case that the lease contract to which the withholding payment service belongs is a trial contract, the withholding payment service is executed using the withholding payment channel of the withholding payment resource account.

[0017] In some embodiments, the method further comprises:

[0018] Obtain a new deduction channel of the bank to which the deduction resource account belongs;

[0019] After determining that the lease contract to which the withholding payment service belongs is a trial contract, the method further includes:

[0020] The withholding payment service is executed using a new withholding payment channel of the bank to which the withholding payment resource account belongs.

[0021] In some embodiments, the number of the target deduction channels is multiple;

[0022] After comparing the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account, the method further includes:

[0023] Obtaining the deduction service fee of each of the plurality of target deduction channels;

[0024] The step of adapting the target deduction channel to the deduction channel of the withholding payment resource account includes:

[0025] The target deduction channel with the smallest deduction service fee among the multiple target deduction channels is adapted as the deduction channel of the withholding resource account.

[0026] In some embodiments, after adapting the target deduction channel with the smallest deduction service fee among the multiple target deduction channels as the deduction channel of the withholding payment resource account, the method further includes:

[0027] The plurality of target deduction channels are displayed through a preset contract signing interaction interface; wherein the contract signing interaction interface is a human-computer interaction interface for the lease contract corresponding to the deduction resource account when signing the deduction agreement;

[0028] Obtaining at least one deduction channel manually selected by the contract subject from the plurality of target deduction channels;

[0029] Based on the at least one deduction channel, the deduction resource account is subjected to payment deduction processing.

[0030] In some embodiments, the step of obtaining the applicable payment channel of the payment resource account includes:

[0031] Obtain the unique account identification code of the debit payment source account;

[0032] Identify the bank to which the debit payment source account belongs based on the unique account identification code;

[0033] When the bank to which the withholding payment resource account belongs is consistent with the bank manually selected by the contract subject, the configured withholding payment channel of the bank to which the withholding payment resource account belongs is used as the applicable withholding payment channel of the withholding payment resource account.

[0034] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides an adaptation device for a deduction channel, the device comprising:

[0035] An acquisition module is used to obtain applicable payment channels of payment resource accounts;

[0036] A contract attribute determination module, used to determine a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account;

[0037] A deduction limit comparison module, used to compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account;

[0038] The channel adaptation module is used to adapt the target deduction channel to the deduction channel of the withholding resource account when the single deduction limit is greater than or equal to the maximum repayment amount.

[0039] To achieve the above-mentioned purpose, the third aspect of an embodiment of the present application proposes a computer device, which includes a memory and a processor, the memory stores a computer program, and the processor implements the method described in the first aspect when executing the computer program.

[0040] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.

[0041] To achieve the above-mentioned purpose, the fifth aspect of the embodiments of the present application proposes a computer program product, which stores a computer program. When the computer program is executed by a processor, the method described in the first aspect is implemented.

[0042] The adaptation method, device, computer equipment, computer-readable storage medium and computer program product of the deduction channel proposed in the present application obtain the applicable deduction channel of the withholding resource account; determine the target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the withholding resource account; compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account; when the single deduction limit is greater than or equal to the maximum repayment amount, adapt the target deduction channel to the deduction channel of the withholding resource account.

[0043] That is to say, the technical solution of this application comprehensively considers the contract attributes of the lease contract corresponding to the withholding resource account and the maximum repayment amount of each period of the withholding resource account specified in the lease contract, thereby selecting a suitable channel from the applicable withholding channels of the withholding resource account as the target withholding channel of the withholding resource account. In this way, after signing the withholding agreement using the target withholding channel, the financial institution or financial enterprise executes the withholding processing of the withholding resource account through the target withholding channel, which can avoid the withholding failure caused by the single limit of the channel, thereby improving the efficiency and success rate of withholding. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] Figure 1 A schematic diagram of the steps of the adaptation method of the deduction channel provided in some embodiments of the present application;

[0045] Figure 2 A schematic diagram of a process for obtaining a deduction channel involved in the adaptation method of the deduction channel provided in an embodiment of the present application;

[0046] Figure 3 Another schematic diagram of the steps involved in the adaptation method of the deduction channel provided in the embodiment of the present application;

[0047] Figure 4 A schematic diagram of another step flow involved in the adaptation method of the deduction channel provided in the embodiment of the present application;

[0048] Figure 5 A schematic diagram of another step flow involved in the adaptation method of the deduction channel provided in the embodiment of the present application;

[0049] Figure 6 A schematic diagram of a flow chart of executing payment deduction processing through a newly configured channel involved in the adaptation method of the deduction channel provided in an embodiment of the present application;

[0050] Figure 7 A flowchart of a complete embodiment of the method for adapting a deduction channel provided in an embodiment of the present application;

[0051] Figure 8 A schematic diagram of the structure of an adapter device for a deduction channel provided in an embodiment of the present application;

[0052] Fig. 9 A schematic diagram of the hardware structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0053] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0054] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0055] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0056] First, some nouns involved in this application are analyzed:

[0057] Natural language processing (NLP): NLP uses computers to process, understand and apply human languages ​​(such as Chinese, English, etc.). NLP is a branch of artificial intelligence and an interdisciplinary subject between computer science and linguistics. It is often referred to as computational linguistics. Natural language processing includes grammatical analysis, semantic analysis, and text understanding. Natural language processing is often used in technical fields such as machine translation, handwritten and printed character recognition, speech recognition and text-to-speech conversion, information intent recognition, information extraction and filtering, text classification and clustering, public opinion analysis and opinion mining. It involves data mining related to language processing, machine learning, knowledge acquisition, knowledge engineering, artificial intelligence research, and linguistic research related to language computing.

[0058] Information Extraction: A text processing technology that extracts specified types of entity, relationship, event and other factual information from natural language text and forms structured data output. Information extraction is a technology that extracts specific information from text data. Text data is composed of some specific units, such as sentences, paragraphs, and chapters. Text information is composed of some small specific units, such as characters, words, phrases, sentences, paragraphs, or a combination of these specific units. Extracting noun phrases, names, place names, etc. from text data are all text information extraction. Of course, the information extracted by text information extraction technology can be various types of information.

[0059] Next, the overall concept of this application is explained:

[0060] Currently, more and more customers choose to sign withholding agreements with financial institutions or financial enterprises before the start of the contract, and the financial institutions or financial enterprises will withhold the monthly rent from the customer's bank card after the start of the contract. For example, with the rise of vehicle leasing business, in the leasing auto finance business, customers are required to sign withholding agreements with financial institutions or enterprises before the start of the lease contract, which is used to realize the monthly rent withholding processing after the start of the lease contract. Usually, financial institutions or enterprises provide a large number of available withholding channels (financial institutions or enterprises will provide multiple bank direct connection channels and third-party payment platforms). Based on the business attributes of the lease contract, customers can sign withholding agreements with banks through available channels, so that financial institutions or enterprises can deduct relevant funds from customers' bank cards and other resource accounts based on the repayment period and amount indicated in the lease contract.

[0061] However, due to the different single limit sizes and service fees charged for withholding between different withholding channels, once the single limit of the withholding channel specified by the financial institution or financial enterprise when the customer signs the withholding agreement is lower than the maximum amount of each repayment that needs to be deducted from the customer's bank card after the contract starts, the financial institution or financial enterprise will fail to perform the withholding operation for the customer. Therefore, how to choose the appropriate withholding channel when signing the withholding agreement, so as to avoid the failure of the withholding operation due to the single limit of the withholding channel, and then improve the efficiency and success rate of withholding, has become a technical problem that needs to be solved urgently.

[0062] In response to this problem, the embodiments of the present application provide a method, device, computer equipment, and computer-readable storage medium for adapting a deduction channel, which is intended to automatically select a suitable deduction channel for signing a deduction agreement, thereby avoiding the failure of the deduction channel due to a single limit, thereby improving the efficiency and success rate of the deduction. In order to achieve this goal, the present application is based on the selection of the customer's signing channel, by comprehensively considering the contract attributes, the maximum amount of each repayment period of the contract, and the deduction fees of the signing channel, and selecting a suitable channel for signing a deduction agreement, which can avoid the failure of the deduction due to the single limit of the channel, and can improve the efficiency and success rate of the deduction.

[0063] That is to say, the technical solution of this application comprehensively considers the contract attributes of the lease contract corresponding to the withholding resource account and the maximum repayment amount of each period of the withholding resource account specified in the lease contract, thereby selecting a suitable channel from the applicable withholding channels of the withholding resource account as the target withholding channel of the withholding resource account. In this way, after signing the withholding agreement using the target withholding channel, the financial institution or financial enterprise executes the withholding processing of the withholding resource account through the target withholding channel, which can avoid the withholding failure caused by the single limit of the channel, thereby improving the efficiency and success rate of withholding.

[0064] Based on the overall concept of the present application described above, various specific embodiments of the adaptation method, device, computer equipment and computer-readable storage medium of the deduction channel provided in the embodiments of the present application are proposed. First, the adaptation method of the deduction channel provided in the embodiments of the present application is described in detail.

[0065] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.

[0066] The adaptation method of the deduction channel provided in the embodiment of the present application relates to the field of data processing technology. The adaptation method of the deduction channel provided in the embodiment of the present application can be applied to the terminal, can also be applied to the server side, and can also be software running in the terminal or the server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or it can be configured as a server cluster or a distributed system composed of multiple physical servers, and can also be configured to provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN) and big data and artificial intelligence platforms and other basic cloud computing services. Cloud servers; software can be applications that implement the adaptation method of the deduction channel, etc., but is not limited to the above forms.

[0067] For ease of understanding and explanation, the following text will take the terminal device application of the adaptation method of the deduction channel provided by the embodiment of the present application as an example to explain the present application in detail. The implementation of the adaptation method of the deduction channel provided by the embodiment of the present application in any of the above-mentioned forms of the subject application can refer to the process of the terminal device application of the adaptation method of the deduction channel described later.

[0068] Please refer to Figure 1 , Figure 1 A schematic diagram of the steps of the adaptation method of the deduction channel provided in some embodiments of the present application. It should be understood that although Figure 1 The execution order of some method steps is shown in the figure, but based on different design requirements of actual applications, the adaptation method of the deduction channel provided in the embodiment of the present application can certainly adopt an execution order different from the method steps shown in the figure. That is, Figure 1 The order of the steps of the method shown does not constitute a limitation on the execution logic order of the adaptation method of the deduction channel provided in the embodiment of the present application. Figure 1Reasonable changes in the order of the method steps shown should be included in the protection scope of the adaptation method of the deduction channel provided in the embodiment of the present application.

[0069] like Figure 1 As shown, in some embodiments, the adaptation method of the deduction channel provided in the embodiments of the present application may include but is not limited to steps S101 to S104.

[0070] Step S101, obtaining the applicable deduction channel of the deduction resource account.

[0071] In the process of adapting the deduction channel for the deduction resource account, after confirming the deduction resource account, the terminal device first obtains at least one applicable deduction channel of the deduction resource account.

[0072] It should be noted that the withholding resource account can be the bank card of the customer who needs to sign the withholding agreement. It should be understood that based on the different design requirements of actual applications, in different feasible implementations, the withholding resource account can of course also be other customer accounts that can provide transaction resource payment services. The adaptation method of the withholding channel provided in the embodiment of the present application is not limited to the specific type of withholding resource account.

[0073] In some embodiments, when the terminal device confirms that the withholding payment resource account is a bank card that requires a withholding agreement to be signed for withholding payment, the terminal device can use the configured withholding channel provided in advance by the financial structure or enterprise for the bank to which the bank card belongs as the applicable withholding channel for the withholding payment resource account.

[0074] It should be noted that the configured deduction channel provided in advance by the financial structure or enterprise for the bank to which the bank card belongs can be the relevant contracted deduction channel that the terminal device has already achieved system connection. For example, assuming that the relevant contracted deduction channels that the terminal device has already achieved system connection for Ping An Bank include: Ping An Pay Express, Ping An Pay Business Commission and Ping An Pay Deduction, and the relevant contracted deduction channels that the terminal device has already achieved system connection for Agricultural Bank of China only include ABC Direct Connection, the relevant contracted deduction channels that the terminal device has achieved system connection for Industrial and Commercial Bank of China only include ICBC Direct Connection, and the relevant contracted deduction channels that the terminal device has achieved system connection for China Construction Bank only include CCB Direct Connection. Then, when the terminal device recognizes that the withholding resource account is a bank card of Ping An Bank, the terminal device can use Ping An Pay Express, Ping An Pay Business Commission and Ping An Pay Withholding as applicable deduction channels for the withholding resource account. When the withholding resource account is a bank card of Agricultural Bank of China, the terminal device can only use ABC Direct Connection as the applicable deduction channel for the withholding resource account. When the withholding resource account is a bank card of Industrial and Commercial Bank of China, the terminal device can only use ICBC Direct Connection as the applicable deduction channel for the withholding resource account. And, when the withholding resource account is a bank card of China Construction Bank, the terminal device can only use CCB Direct Connection as the applicable deduction channel for the withholding resource account.

[0075] Based on this, in some embodiments, the above step S101, obtaining the applicable deduction channel of the deduction resource account, includes the following steps:

[0076] Obtain the unique account identification code of the debit payment source account;

[0077] Identify the bank to which the debit payment source account belongs based on the unique account identification code;

[0078] When the bank to which the withholding payment resource account belongs is consistent with the bank manually selected by the contract subject, the configured withholding payment channel of the bank to which the withholding payment resource account belongs is used as the applicable withholding payment channel of the withholding payment resource account.

[0079] It should be noted that the contract subject is the contract subject of the lease contract associated with the withholding resource account that needs to sign a withholding agreement. In the embodiment of the present application, the contract subject is mainly the customer who has a lease demand in the lease contract and needs to pay the rent or repayment for the leased item (such as a vehicle) on time, that is, the customer of the withholding resource account.

[0080] When the terminal device identifies the withholding resource account, it first obtains the unique account identification code of the withholding resource account. Among them, when the withholding resource account is a bank card, the unique account identification code of the withholding resource account can be a bank BIN code. After that, the terminal device identifies the bank to which the withholding resource account belongs based on the unique account identification code of the withholding resource account, and the terminal device also identifies the bank manually selected by the contract subject through a human-computer interaction interface with the customer (contract subject) of the withholding resource account. In this way, when the terminal device confirms that the bank to which the identified withholding resource account belongs is consistent with the bank manually selected by the contract subject, it detects the relevant contracted deduction channel (configured deduction channel) that has realized system docking for the bank to which it belongs, thereby detecting at least one configured deduction channel detected as an applicable deduction channel for the withholding resource account.

[0081] For example, please refer to Figure 2 , Figure 2 A flowchart of obtaining a deduction channel involved in the adaptation method of the deduction channel provided in the embodiment of the present application. Figure 2 As shown, in the case where the withholding resource account is a bank card, after the user selects the lease contract that needs to sign the withholding agreement through the contract list page and further enters the bank card signing page, the terminal device identifies the bank to which the bank card selected manually and autonomously by the user belongs, and obtains other relevant bank card information entered by the user. In this way, the terminal device can extract the bank card number through other relevant bank card information entered by the user, and further identify the first 6 digits of the bank card number based on regular matching to match the BIN code and length, so as to determine the bank to which the bank card belongs based on the bank card BIN code and the number of digits of the bank card. After that, the terminal device compares the name of the bank to which the identified bank card belongs with the name of the bank to which the user manually and autonomously selects the bank card to which the user belongs, so that when the bank selected by the user is consistent with the bank to which the identified bank card belongs, the relevant contracted withholding channel for pre-implementing the system docking for the bank is obtained, and the relevant contracted withholding channel is used as the applicable withholding channel for the bank card. In addition, when the bank selected by the user is inconsistent with the bank to which the identified bank card belongs, the terminal device configures the configuration of the withholding channel for the user's bank card through the default channel configuration.

[0082] It should be noted that the process of configuring the deduction channel for the user's bank card through the default channel configuration may be to directly use a preset public deduction channel as the target deduction channel for the user's bank card to sign a deduction agreement.

[0083] Step S102, determining a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account.

[0084] After the terminal device obtains at least one applicable deduction channel of the deduction resource account, if there are multiple applicable deduction channels, the terminal device further selects a target deduction channel that meets the contract attribute requirements from the multiple applicable deduction channels according to the contract attributes. For example, the terminal device can select a target deduction channel that meets the regional attribute requirements of the lease contract from the multiple applicable deduction channels.

[0085] It should be noted that among the multiple applicable deduction channels of the deduction resource account obtained by the terminal device, the applicable regions of each deduction channel may be different from each other, and the deduction channel applicable to region A may not be able to deduct money from the bank card of the user in region B. Therefore, based on the regional attribute requirements of the lease contract, the terminal device can determine the deduction channel with the same applicable region as the region to which the bank card of the contract subject in the lease contract belongs from the multiple applicable deduction channels, and thus use the deduction channel as the target deduction channel that meets the contract attribute requirements.

[0086] In some embodiments, if the number of applicable deduction channels of the withholding payment resource account obtained by the terminal device is 1, the terminal device can first determine whether the applicable deduction channel meets the contract attribute requirements. If it does, the applicable deduction channel is directly adapted as the deduction channel of the withholding payment resource account. If it does not, the terminal device configures the deduction channel for the user's bank card through the default channel configuration.

[0087] Step S103, comparing the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account.

[0088] After the terminal device screens out the target deduction channel that meets the contract attribute requirements from the applicable deduction channels of the withholding resource account, it further obtains the single deduction limit of the target deduction channel and compares the single deduction limit with the maximum repayment amount of each period of the withholding resource account.

[0089] It should be noted that the terminal device can perform natural language processing on the lease contract that requires a signed withholding agreement and is associated with the withholding resource account, thereby reading the repayment amount of each period of the withholding resource account from the lease contract. Then, the terminal device can detect the maximum repayment amount of each period by comparing the repayment amount.

[0090] Step S104: when the single deduction limit is greater than or equal to the maximum repayment amount, adapt the target deduction channel to the deduction channel of the withholding resource account.

[0091] After the terminal device compares the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account, if the terminal device finds that the single deduction limit is greater than or equal to the maximum repayment amount, the terminal device adapts the target deduction channel to the deduction channel of the withholding resource account in this case. Therefore, after the contracting party of the lease contract signs the withholding agreement based on the deduction channel, the financial institution or enterprise can use the deduction channel to automatically perform the withholding processing of each period of repayment for the withholding resource account.

[0092] In the embodiment of the present application, at least one applicable deduction channel of the withholding resource account is first obtained through the terminal device, and then, if there are multiple applicable deduction channels, the terminal device first selects a target deduction channel that meets the contract attribute requirements from multiple applicable deduction channels according to the contract attributes, and then obtains the single deduction limit of the target deduction channel through the terminal device, and compares the single deduction limit with the maximum repayment amount in each repayment period of the withholding resource account. Thus, if it is found that the single deduction limit is greater than or equal to the maximum repayment amount, the terminal device adapts the target deduction channel to the deduction channel of the withholding resource account.

[0093] That is to say, the technical solution of this application comprehensively considers the contract attributes of the lease contract corresponding to the withholding resource account and the maximum repayment amount of each period of the withholding resource account specified in the lease contract, thereby selecting a suitable channel from the applicable withholding channels of the withholding resource account as the target withholding channel of the withholding resource account. In this way, after signing the withholding agreement using the target withholding channel, the financial institution or financial enterprise executes the withholding processing of the withholding resource account through the target withholding channel, which can avoid the withholding failure caused by the single limit of the channel, thereby improving the efficiency and success rate of withholding.

[0094] In some embodiments, the terminal device may determine multiple target deduction channels that meet the contract attribute requirements from the applicable deduction channels. In this case, the terminal device may further determine the target deduction channel among the multiple target deduction channels whose single deduction limit is greater than the maximum repayment amount of each period of the withholding resource account and whose deduction service fee is as small as possible based on the deduction service fees of the multiple target deduction channels, and adapt the target deduction channel as the deduction channel of the withholding resource account to sign the withholding agreement.

[0095] Based on this, in the above step S103, after comparing the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account, the adaptation method of the deduction channel provided in the embodiment of the present application may also include the following steps:

[0096] Obtain the deduction service fee of each of the plurality of target deduction channels.

[0097] After determining multiple target deduction channels that meet the contract attribute requirements, the terminal device can obtain the deduction service fees of each of the multiple target deduction channels in sequence.

[0098] In some embodiments, after obtaining all applicable deduction channels of the deduction resource account, the terminal device may further obtain the deduction service fees of all applicable deduction channels.

[0099] In this case, in the above step S104, adapting the target deduction channel to the deduction channel of the withholding resource account may include:

[0100] The target deduction channel with the smallest deduction service fee among the multiple target deduction channels is adapted as the deduction channel of the withholding resource account.

[0101] After the terminal device obtains the deduction service fees of multiple target deduction channels that meet the contract attribute requirements, and confirms that the single deduction limits of the multiple target deduction channels are greater than or equal to the maximum repayment amount of each period of the withholding resource account, the terminal device compares the deduction service fees of the multiple target deduction channels to determine the target deduction channel with the smallest deduction service fee among the multiple target deduction channels, and then adapts the target deduction channel as the deduction channel of the withholding resource account to sign the withholding agreement.

[0102] In this embodiment, in addition to determining which channel the withholding payment resource account should apply to sign the withholding agreement based on the contract attributes and the maximum repayment amount in each repayment period, the terminal device can also further comprehensively consider the withholding service fees of the withholding channel, thereby selecting the most appropriate channel for the withholding payment resource channel to sign the withholding agreement by judging the contract attributes, the maximum amount in each repayment period of the contract, and the withholding service fees of the channel. This can avoid the situation where deduction failures due to the single transaction limit of the channel are avoided, thereby improving the efficiency and success rate of withholding payments, and can further consider adapting to the withholding channel with lower withholding service fees for signing the withholding agreement from an economic perspective, thereby improving the user experience.

[0103] Please refer to Figure 3 , Figure 3Another step flow diagram of the adaptation method of the deduction channel provided in the embodiment of the present application.

[0104] like Figure 3 As shown, in some embodiments, after the terminal device adapts the target deduction channel with the smallest deduction service fee among multiple target deduction channels as the deduction channel of the deduction resource account, the adaptation method of the deduction channel provided in the embodiment of the present application may also include steps S301 to S303 as shown below.

[0105] Step S301, displaying a plurality of the target deduction channels through a preset signing interaction interface; wherein the signing interaction interface is a human-computer interaction interface for the lease contract corresponding to the deduction resource account when signing a deduction agreement.

[0106] It should be noted that the preset contract signing interaction interface can be a human-computer interaction interface for the lease contract corresponding to the withholding resource account when signing the withholding agreement. For example, the contract signing interaction interface is specifically an interface for human-computer interaction between the aforementioned terminal device and the customer (contract subject) of the withholding resource account.

[0107] After adapting the target deduction channel with the smallest deduction service fee among multiple target deduction channels as the deduction channel of the withholding resource account, the terminal device can further display multiple other target deduction channels that meet the contract attribute requirements but have relatively high service fees to the contract subject on the human-computer interaction interface when the contract subject selects a bank through the contract signing interaction interface and enters other relevant bank card information to sign the withholding agreement.

[0108] Step S302, obtaining at least one deduction channel manually selected by the contract subject from the plurality of target deduction channels.

[0109] After the terminal device displays multiple target deduction channels to the contract party through the contract signing interaction interface, if the contract party further performs a manual selection operation on the multiple target deduction channels through the contract signing interaction interface, the terminal device obtains at least one deduction channel manually selected by the contract party from the multiple target deduction channels.

[0110] Step S303: performing payment deduction processing on the payment deduction resource account based on the at least one payment deduction channel.

[0111] After the terminal device obtains at least one deduction channel manually selected by the contract party from multiple target deduction channels, it reconfigures the at least one deduction channel selected by the contract party as the deduction channel of the withholding payment resource account to sign the withholding agreement, so that the financial institution or financial enterprise can subsequently perform withholding payment processing on the withholding payment resource account through at least one target deduction channel.

[0112] In some embodiments, after the terminal device obtains at least one deduction channel manually selected by the contract subject from multiple target deduction channels, the terminal device can also sign a deduction agreement with the deduction channel with the lowest service fee previously adapted to the deduction resource account, together with the at least one deduction channel selected by the contract subject. In this way, the financial institution or financial enterprise can then perform the deduction processing on the deduction resource account through the deduction channel with the lowest service fee and the at least one target deduction channel selected by the contract subject.

[0113] In this embodiment, when the contract subject selects a bank through the contract signing interaction interface and inputs other relevant bank card information to sign the withholding agreement through the terminal device, multiple other target deduction channels that meet the contract attribute requirements but have relatively high service fees are further displayed to the contract subject on the interface for human-computer interaction with the contract subject, and then at least one deduction channel manually selected by the contract subject from multiple target deduction channels is obtained. Finally, at least one deduction channel selected by the contract subject is reconfigured as the deduction channel of the withholding resource account through the terminal device to sign the withholding agreement, or the deduction channel with the lowest service fee previously adapted for the withholding resource account is used together with at least one deduction channel selected by the contract subject to sign the withholding agreement. In this way, flexible adaptation of the deduction channel for the withholding resource account can be achieved based on the actual needs of the contract subject, thereby further improving the user experience.

[0114] Please refer to Figure 4 , Figure 4 A further step flow diagram of the method for adapting a deduction channel provided in an embodiment of the present application.

[0115] like Figure 4 As shown, in some embodiments, in the above-mentioned step S104, when the single deduction limit is greater than or equal to the maximum repayment amount, after the target deduction channel is adapted to the deduction channel of the deduction resource account, the adaptation method of the deduction channel provided in the embodiment of the present application may also include steps S401 to S402 as shown below.

[0116] Step S401, generating a grayscale configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account.

[0117] After the terminal device adapts the target deduction channel that meets the contract attribute requirements and has a single deduction limit greater than or equal to the maximum repayment amount of each period of the withholding resource account as the deduction channel of the withholding resource account, it further generates a grayscale configuration based on the bank to which the resource account to be deducted belongs, the lease contract corresponding to the withholding resource account, and the deduction channel of the withholding resource account.

[0118] In some embodiments, the terminal device can combine the name of the most recent deduction channel configured for the deduction resource account, the name of the bank to which the resource account to be deducted belongs, and the contract subject in the lease contract corresponding to the deduction resource account as trigger conditions for generating a trial order, thereby generating a grayscale configuration between bank+contract+channel.

[0119] Step S402: Perform targeted trial order processing on the deduction channel of the withholding payment resource account based on the grayscale configuration.

[0120] After generating the grayscale configuration, the terminal device can perform targeted trial order processing on the deduction channel of the withholding payment resource account based on the grayscale configuration. For example, the terminal device can perform targeted trial order processing on the deduction channel of the withholding payment resource account when the deduction channel of the withholding payment resource account goes online for the first time.

[0121] It should be noted that when the terminal device performs a trial order on the deduction channel of the withholding resource account, the trial order contract can be dynamically configured. For example, the terminal device can configure other lease contracts associated with the contract subject in the lease contract of the withholding resource account as trial order contracts, and then use the deduction channel of the withholding resource account to withhold the payment for the rent repayment specified in the trial order contract.

[0122] In this embodiment, the terminal device generates a gray configuration based on the bank to which the withholding resource account belongs, the lease contract corresponding to the withholding resource account, and the withholding channel of the withholding resource account, and then performs targeted trial order processing on the withholding channel of the withholding resource account based on the gray configuration. In this way, based on the gray configuration between the bank to which the withholding resource account belongs, the contract subject, and the bank adaptation channel, a trial order system can be built before the new channel goes online, so as to verify the production orders after the withholding channel goes online, and ensure the robustness of the withholding channel of the withholding resource account before the large-scale bank card diversion.

[0123] Please refer to Figure 5 , Figure 5 A schematic diagram of another step flow involved in the adaptation method of the deduction channel provided in the embodiment of the present application.

[0124] like Figure 5As shown, in some embodiments, in the above-mentioned step S401, after the grayscale configuration is generated based on the bank to which the resource account to be deducted belongs, the lease contract corresponding to the resource account for withholding funds, and the deduction channel of the resource account for withholding funds, the adaptation method of the deduction channel provided in the embodiment of the present application may also include steps S501 to S503 as shown below.

[0125] Step S501, obtaining the deduction channel configuration corresponding to the deduction service.

[0126] After the terminal device generates the grayscale configuration based on the bank to which the to-be-deducted resource account belongs, the lease contract corresponding to the withholding resource account, and the withholding channel of the withholding resource account, if the terminal device detects that the financial institution or enterprise is preparing to execute the withholding process for the withholding business, the terminal device immediately obtains the withholding channel configuration corresponding to the withholding business. For example, the terminal device uses the withholding channel used by the financial institution or enterprise when executing the withholding business as the withholding channel configuration corresponding to the withholding business.

[0127] Step S502, when the lease contract to which the withholding payment service belongs is the lease contract associated with the withholding payment channel configuration, determine that the lease contract to which the withholding payment service belongs is a trial order contract.

[0128] After obtaining the deduction channel configuration corresponding to the deduction business, the terminal device further compares the lease contract to which the deduction business belongs with the lease contract associated with the deduction channel configuration. If the comparison finds that the lease contract to which the deduction business belongs is consistent with the lease contract associated with the deduction channel configuration, the terminal device determines that the lease contract to which the deduction business belongs is a trial order contract that hits the grayscale configuration.

[0129] It should be noted that the lease contract to which the withholding payment service belongs can be the lease contract corresponding to the withholding payment resource account in the withholding payment service, and the lease contract associated with the withholding payment channel configuration can be the withholding payment channel configuration called by the financial institution when preparing to execute the withholding payment service, and the associated lease contract for signing the withholding agreement. The aforementioned withholding payment channel configured for the withholding payment resource account, after being used to sign the withholding agreement for the lease contract associated with the withholding payment resource account, establishes a one-to-one corresponding association relationship with the lease contract.

[0130] Step S503: When the lease contract to which the withholding payment service belongs is a trial contract, the withholding payment service is executed using the withholding payment channel of the withholding payment resource account.

[0131] When the terminal device determines that the lease contract to which the withholding service belongs is a trial contract, it can use the withholding channel previously configured for the withholding resource account to execute the withholding service, thereby further performing targeted trial order processing for the withholding channel before the official launch.

[0132] In some embodiments, the adaptation method of the deduction channel provided in the embodiment of the present application may also include:

[0133] Obtain a new deduction channel of the bank to which the deduction resource account belongs.

[0134] After the terminal device adapts the deduction channel for the deduction resource account, the terminal device can also connect to the new deduction channel provided by the financial institution or enterprise for the bank to which the deduction resource account belongs through the system. In this case, the terminal device obtains the new deduction channel of the bank to which the deduction resource account belongs, so as to process the trial order of the new deduction channel later.

[0135] Based on this, in the above step S502, when the lease contract to which the withholding payment service belongs is the lease contract associated with the withholding payment channel configuration, after determining that the lease contract to which the withholding payment service belongs is a trial order contract, the adaptation method of the withholding payment channel provided in the embodiment of the present application may further include:

[0136] The withholding payment service is executed using a new withholding payment channel of the bank to which the withholding payment resource account belongs.

[0137] After the terminal device is connected to the new deduction channel provided by the financial institution or enterprise for the bank to which the withholding resource account belongs through the system, it can use the new deduction channel of the bank to which the withholding resource account belongs to execute the withholding business if it is determined that the lease contract to which the above-mentioned withholding business belongs is a trial order contract that hits the grayscale configuration, thereby performing targeted trial order processing on the new deduction channel before it is officially launched.

[0138] For example, please refer to Figure 6 , Figure 6 The flowchart of the adaptation method of the deduction channel provided in the embodiment of the present application involves the execution of the payment deduction process through the newly configured channel. Figure 6As shown, after the terminal device generates a grayscale configuration based on the bank to which the resource account to be deducted belongs, the lease contract corresponding to the resource account for withholding payments, and the deduction channel of the resource account for withholding payments, if it detects that a financial institution or enterprise is preparing to execute a withholding payment business, the terminal device first performs a grayscale judgment, and then obtains the bank name of the bank to which the financial institution or enterprise is preparing to execute the withholding payment business through the deduction channel. Then, after confirming that the grayscale configuration has been generated, the terminal device obtains the contract subject in the lease contract to which the withholding payment business belongs, and obtains the deduction channel configuration of the bank to which it belongs. Afterwards, the terminal device further obtains the contract subject of the lease contract associated with the deduction channel that the financial institution or enterprise is preparing to execute the withholding payment business, and the contract list under the deduction channel (including the contract name, contract subject, and other information of all lease contracts that use the deduction channel to sign the withholding agreement). Thus, the terminal device compares the contract subject in the lease contract to which the withholding business belongs, the withholding channel configuration of the bank to which it belongs, the contract subject of the lease contract associated with the withholding channel, and the contract list under the withholding channel to determine whether the lease contract to which the current withholding business belongs is a trial contract, and returns the withholding channel configuration if it is determined to be so, thereby using the previously configured withholding channel to execute the withholding business. Alternatively, if the comparison finds that the lease contract to which the withholding business belongs is not a trial contract, the terminal device returns to the default channel configuration, thereby using the pre-configured public withholding channel to execute the withholding business.

[0139] In addition, if the terminal device has not generated a grayscale configuration in advance, the terminal device can detect whether the bank to which the financial institution or enterprise prepares to use the deduction channel for the agency deduction business belongs has a newly configured deduction channel, and if it is detected that it does, the newly configured deduction channel is used to perform the agency deduction business, thereby realizing trial order processing for the newly configured deduction channel. If it is detected that there is no newly configured deduction channel, the terminal device also returns to the default channel configuration, thereby using the pre-configured public deduction channel to perform the agency deduction business.

[0140] In this embodiment, the terminal device generates grayscale configuration based on the bank, contract and deduction channel, so that a targeted trial order can be carried out when a new channel is launched for the first time. In addition, when the terminal device is configured with grayscale, the leasing contract for the withholding business that hits the affiliated bank, contract subject and deduction channel is judged as a trial order contract, and when the affiliated bank adds a new deduction channel, the withholding business can be carried out through the newly configured deduction channel, thereby realizing trial order processing for the newly configured deduction channel.

[0141] Please refer to the following Figure 7 , Figure 7 A flow chart of a complete embodiment of the method for adapting a deduction channel provided in an embodiment of the present application.

[0142] like Figure 7 As shown, the routing process of the bank deduction agreement signing based on the contract attributes of the adaptation method of the deduction channel provided by the embodiment of the present application can be: first, after the user selects the lease contract of the bank deduction agreement through the contract list page and enters the bank card signing page, the terminal device obtains the bank manually selected by the user on the page and manually inputs other information of the relevant bank card. Then, the terminal device determines the bank to which the bank card belongs according to the bank card BIN code and the number of bank card digits in the other information of the relevant bank card entered by the user. Then, after the terminal device identifies the bank to which it belongs, if the identified bank to which it belongs is consistent with the bank to which it belongs manually selected by the user, all the applicable signing channels of the bank card are obtained according to the routing configuration of all channels that have been connected to the system for the bank to which it belongs. Finally, if the terminal device obtains multiple bank channel configurations, the terminal device further determines which signing channel the bank card should apply according to the contract attributes of the lease contract, the highest rent of the bank card repayment rent in each period, and the highest rent and the channel daily limit standard.

[0143] In addition, in order to generate a trial order, the terminal device implements grayscale configuration between the bank, contract and channel based on the bank, lease contract and deduction channel. In this way, when a new channel is launched for the first time, a targeted trial order can be made for the new channel, where the trial order contract can be dynamically configured. Moreover, when grayscale is configured, if the current withholding business hits the bank, contract subject and deduction channel used, the terminal device determines whether the lease contract to which the current withholding business belongs is a trial contract. If the lease contract is not a trial contract, the default channel is used, and if the lease contract is a trial contract, the newly configured channel is used.

[0144] The embodiment of the present application also provides an adaptation device for a deduction channel, which can implement the adaptation method of the above-mentioned deduction channel.

[0145] See also Figure 8 , Figure 8 This is a schematic diagram of the structure of the adapter device of the deduction channel provided in the embodiment of the present application. Figure 8 As shown, the adaptation device for the deduction channel provided in the embodiment of the present application includes: an acquisition module 801, a contract attribute judgment module 802, a deduction limit comparison module 803 and a channel adaptation module 804. Among them:

[0146] An acquisition module 801 is used to acquire an applicable deduction channel of a deduction resource account;

[0147] The contract attribute determination module 802 is used to determine a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account;

[0148] The deduction limit comparison module 803 is used to compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account;

[0149] The channel adaptation module 804 is used to adapt the target deduction channel to the deduction channel of the withholding resource account when the single deduction limit is greater than or equal to the maximum repayment amount.

[0150] In some embodiments, the adapter device of the deduction channel provided in the embodiment of the present application further includes:

[0151] A gray configuration module, used to generate a gray configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account;

[0152] A trial order module is used to perform targeted trial order processing on the deduction channel of the withholding payment resource account based on the grayscale configuration.

[0153] In some embodiments, the acquisition module 801 is further used to acquire the deduction channel configuration corresponding to the deduction service;

[0154] The adapter device of the deduction channel provided in the embodiment of the present application further includes:

[0155] A grayscale judgment module, used for determining that the lease contract to which the withholding payment service belongs is a trial contract when the lease contract to which the withholding payment service belongs is a lease contract associated with the withholding payment channel configuration;

[0156] The withholding payment module is used to execute the withholding payment business by using the withholding payment channel of the withholding payment resource account when the lease contract to which the withholding payment business belongs is a trial contract.

[0157] In some embodiments, the acquisition module 801 is further used to acquire a new deduction channel of the bank to which the deduction resource account belongs;

[0158] The withholding payment module is further used to execute the withholding payment business by adopting a new withholding payment channel of the bank to which the withholding payment resource account belongs.

[0159] In some embodiments, the number of the target deduction channels is multiple; the acquisition module 801 is further used to obtain the deduction service fees of the multiple target deduction channels;

[0160] The channel adaptation module 804 is further used to adapt the target deduction channel with the smallest deduction service fee among the multiple target deduction channels as the deduction channel of the withholding resource account.

[0161] In some embodiments, the adapter device of the deduction channel provided in the embodiment of the present application further includes:

[0162] An interactive module, used to display the plurality of target deduction channels through a preset contract signing interactive interface; wherein the contract signing interactive interface is a human-computer interaction interface for the lease contract corresponding to the deduction resource account when signing the deduction agreement;

[0163] The acquisition module 801 is further used to acquire at least one deduction channel manually selected by the contract subject from the multiple target deduction channels;

[0164] The withholding payment module is further configured to perform withholding payment processing on the withholding payment resource account based on the at least one withholding payment channel.

[0165] In some embodiments, the acquisition module 801 is also used to obtain a unique account identification code for a withholding payment resource account; identify the bank to which the withholding payment resource account belongs based on the unique account identification code; and, when the bank to which the withholding payment resource account belongs is consistent with the bank manually selected by the contracting party, use the configured deduction channel of the bank to which the withholding payment resource account belongs as an applicable deduction channel for the withholding payment resource account.

[0166] It should be noted that the specific implementation of the adaptation device for the deduction channel provided in the embodiment of the present application is basically the same as the specific implementation of the adaptation method for the deduction channel mentioned above, and will not be repeated here.

[0167] The embodiment of the present application also provides a computer device, the computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned deduction channel adaptation method when executing the computer program. The computer device can be any intelligent terminal including a tablet computer, a car computer, etc.

[0168] See also Fig. 9 , Fig. 9 The hardware structure of a computer device according to another embodiment is shown, and the computer device includes:

[0169] The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0170] The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store an operating system and other applications. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 802, and the processor 901 calls and executes the adaptation method of the deduction channel of the embodiment of this application;

[0171] Input / output interface 903, used to implement information input and output;

[0172] Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized by wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WIFI, Bluetooth, etc.);

[0173] A bus 905 that transmits information between the various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904);

[0174] The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0175] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the adaptation method of the above-mentioned deduction channel is implemented.

[0176] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0177] An embodiment of the present application also provides a computer program product, which stores a computer program, and when the computer program is executed by a processor, the adaptation method of the above-mentioned deduction channel is implemented.

[0178] The adaptation method for the deduction channel, the adaptation device for the deduction channel, the computer equipment, the computer-readable storage medium and the computer program product provided in the embodiments of the present application monitor whether real-time transaction data is acquired and whether batch data is generated, thereby generating batch data when it is monitored that real-time transaction data is acquired, and comparing the real-time transaction data with the batch data when it is monitored that batch data is generated. When real-time transaction data is generated on the trading platform, it is possible to more quickly and accurately reconcile the real-time transaction data, thereby improving the timeliness of reconciliation operations on transactions generated on the trading platform. In this way, compared with reconciliation operations on transactions on the evening of the transaction or the next day, account imbalances can be discovered and corrected in a timely manner, thereby improving reconciliation efficiency and transaction accuracy.

[0179] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0180] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0181] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0182] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0183] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0184] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0185] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0186] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A method for adapting a deduction channel, characterized in that: The method comprises: Obtain the applicable deduction channel of the deduction resource account; Determining a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account; Compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account; When the single deduction limit is greater than or equal to the maximum repayment amount, the target deduction channel is adapted as the deduction channel of the withholding resource account.

2. The method according to claim 1, characterized in that: After adapting the target deduction channel to the deduction channel of the withholding payment resource account, the method further includes: Generate a grayscale configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account; Based on the grayscale configuration, targeted trial order processing is performed on the deduction channel of the withholding payment resource account.

3. The method according to claim 2, characterized in that: After generating the grayscale configuration based on the bank to which the to-be-deducted payment resource account belongs, the lease contract corresponding to the withholding payment resource account, and the withholding payment channel of the withholding payment resource account, the method further includes: Get the deduction channel configuration corresponding to the deduction service; In a case where the lease contract to which the withholding payment service belongs is a lease contract associated with the withholding payment channel configuration, determining that the lease contract to which the withholding payment service belongs is a trial order contract; In the case that the lease contract to which the withholding payment service belongs is a trial contract, the withholding payment service is executed using the withholding payment channel of the withholding payment resource account.

4. The method according to claim 3, characterized in that: The method further comprises: Obtain a new deduction channel of the bank to which the deduction resource account belongs; After determining that the lease contract to which the withholding payment service belongs is a trial contract, the method further includes: The withholding payment service is executed using a new withholding payment channel of the bank to which the withholding payment resource account belongs.

5. The method according to claim 1, characterized in that: The number of the target deduction channels is multiple; After comparing the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account, the method further includes: Obtaining the deduction service fee of each of the plurality of target deduction channels; The step of adapting the target deduction channel to the deduction channel of the withholding payment resource account includes: The target deduction channel with the smallest deduction service fee among the multiple target deduction channels is adapted as the deduction channel of the withholding resource account.

6. The method according to claim 5, characterized in that: After adapting the target deduction channel with the smallest deduction service fee among the multiple target deduction channels as the deduction channel of the withholding payment resource account, the method further includes: The plurality of target deduction channels are displayed through a preset contract signing interaction interface; wherein the contract signing interaction interface is a human-computer interaction interface for the lease contract corresponding to the deduction resource account when signing the deduction agreement; Obtaining at least one deduction channel manually selected by the contract subject from the plurality of target deduction channels; Based on the at least one deduction channel, the deduction resource account is subjected to payment deduction processing.

7. The method according to any one of claims 1 to 6, characterized in that: The applicable deduction channels for obtaining the deduction resource account include: Obtain the unique account identification code of the debit payment source account; Identify the bank to which the debit payment source account belongs based on the unique account identification code; When the bank to which the withholding payment resource account belongs is consistent with the bank manually selected by the contract subject, the configured withholding payment channel of the bank to which the withholding payment resource account belongs is used as the applicable withholding payment channel of the withholding payment resource account.

8. An adapter device for a deduction channel, characterized in that: The device comprises: An acquisition module is used to obtain applicable payment channels of payment resource accounts; A contract attribute determination module, used to determine a target deduction channel that meets the contract attribute requirements from the applicable deduction channels; the contract attribute requirements at least include: the regional attribute requirements of the lease contract corresponding to the deduction resource account; A deduction limit comparison module, used to compare the single deduction limit of the target deduction channel with the maximum repayment amount of each period of the withholding resource account; The channel adaptation module is used to adapt the target deduction channel to the deduction channel of the withholding resource account when the single deduction limit is greater than or equal to the maximum repayment amount.

9. A computer device, characterized in that: The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the adaptation method of the deduction channel as described in any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the adaptation method of the deduction channel as described in any one of claims 1 to 7 is implemented.

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