Account management methods, devices and storage media

Abstract

This application discloses a method, device, and storage medium for managing Hebao accounts, belonging to the field of account management technology. When a user needs to change the mobile phone number bound to a target Hebao account for credit purchases, this application determines the credit purchase service bound to that mobile phone number; generates interactive options for adjusting the binding strategy of the credit purchase service, allowing the user to select the appropriate binding adjustment strategy and provide the target mobile phone number to be used; based on the binding adjustment strategy selected by the user, the mobile phone number bound to the target Hebao account is changed to the target mobile phone number, and the mobile phone number bound to the corresponding credit purchase service is adjusted, thereby achieving the effect of changing the mobile phone number corresponding to the Hebao account for credit purchases. When changing the mobile phone number for credit purchases, the corresponding account bound to the credit purchase service is simultaneously adjusted to trace the user of the credit purchase service.

Description

Technical Field

[0001] This application relates to the field of account management technology, and in particular to a method, device and storage medium for managing Hebao accounts. Background Technology

[0002] Users can register and apply for a Hebao account in the Hebao APP, and bind the Hebao account to the corresponding mobile phone number and payment service. This allows users to use the corresponding payment service functions through the Hebao account. The Hebao account will be uniquely bound to the user's mobile phone number, which is used as the unique identifier for the user corresponding to the Hebao account in many business scenarios.

[0003] In most application scenarios, users are given the ability to switch the target and the mobile phone number bound to the package account. However, for special mobile phone numbers such as those used for credit purchases, the bound mobile phone number can only be unbound after the subsequent repayment business corresponding to the credit purchase is completed, which brings inconvenience to the relevant personnel.

[0004] Therefore, the relevant technology does not currently support the function of changing the mobile phone number bound to the credit purchase business in any scenario. That is, the mobile phone number corresponding to the credit purchase business bound to the target and package account can only be changed after the loan is paid off. This makes it impossible to flexibly change the mobile phone number bound to the credit purchase business, and consequently, the function of changing the mobile phone number cannot flexibly meet different needs.

[0005] Application content

[0006] The main purpose of this application is to provide a method, device and storage medium for managing credit card accounts, which aims to solve the technical problem that the mobile phone number bound to the credit purchase service cannot be flexibly changed, and the function of changing the mobile phone number cannot flexibly cope with different demand scenarios.

[0007] To achieve the above objectives, this application provides a method for managing Hebao accounts, which includes the following steps:

[0008] If a user needs to change the mobile phone number associated with the target and package account for credit purchase, determine the credit purchase service associated with the mobile phone number associated with the credit purchase service.

[0009] Generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0010] Based on the binding adjustment strategy selected by the user, the mobile phone number bound to the target and package accounts is changed to the target mobile phone number, and the mobile phone number bound to the credit purchase service is adjusted.

[0011] Optionally, the binding adjustment strategy includes a first binding adjustment strategy and a second binding adjustment strategy. Before the step of generating the interactive options for the binding adjustment strategy of the credit purchase business, the following steps are included:

[0012] While maintaining the binding relationship between the credit purchase service and the target and package accounts, a first binding adjustment strategy is generated to bind the credit purchase service to the target mobile phone number;

[0013] When the credit purchase service is to be bound to another Hebao account, a second binding adjustment strategy is generated to bind the credit purchase service to the credit purchase mobile number, wherein the other Hebao account is the account bound to the credit purchase mobile number.

[0014] Optionally, the step of changing the mobile phone number bound to the target account and the package account to the target mobile phone number, and adjusting the mobile phone number bound to the credit purchase service, according to the binding adjustment strategy selected by the user, includes:

[0015] If the user selects the first binding adjustment policy, security verification is performed on the target mobile phone number and the credit purchase mobile phone number.

[0016] After passing security verification, the mobile phone number bound to the target account is replaced with the target mobile phone number, and the billing plans of the credit purchase mobile phone number and the target mobile phone number are swapped and transferred. The credit purchase service is then bound to the target mobile phone number.

[0017] Optionally, the security verification includes biometric verification and verification code verification. The step of performing security verification on the target mobile phone number includes:

[0018] Biometric verification is performed on the user corresponding to the target mobile phone number;

[0019] After the biometric verification is passed, the target mobile phone number and the credit purchase mobile phone number are verified.

[0020] Optionally, the step of adjusting the mobile phone number bound to the credit purchase service according to the binding adjustment strategy selected by the user further includes:

[0021] When the binding adjustment strategy is the second binding adjustment strategy, risk prediction is performed on another Hebao account to be bound for the credit purchase business, and the prediction result is obtained;

[0022] If the prediction result meets the preset replacement conditions, the credit purchase service will be bound to both the credit purchase mobile number and the other Hebao account.

[0023] Optionally, the step of performing risk prediction on another Hebao account to be bound to the credit purchase business and obtaining the prediction result includes:

[0024] Obtain the historical usage data of another Hebao account linked to the credit purchase service;

[0025] Based on the historical usage data, the number of times the other payment account has defaulted on payments is calculated.

[0026] If the number of breaches of trust is less than or equal to the preset number of breaches of trust, a risk prediction is made for the other account based on the historical usage data, and a prediction result is obtained.

[0027] Optionally, the step of performing risk prediction on the other account based on the historical usage data and obtaining the prediction result includes:

[0028] Based on the historical usage data, the transfer correlation between the other Hebao account and the target Hebao account is calculated, and the monthly consumption amount of the other Hebao account is determined.

[0029] Based on the monthly consumption amount, the repayment status of the credit purchase business, and the transfer correlation, a risk prediction is made on the repayment ability of the other Hebao account, and a prediction result is obtained.

[0030] Optionally, before the step of generating the interactive options for the binding adjustment strategy of the credit purchase business, the following steps are included:

[0031] If the remaining outstanding amount of the credit purchase service is less than a preset amount, and the number of overdue payments in the corresponding repayment record of the credit purchase service is less than a preset number of overdue payments, an interactive option for adjusting the binding strategy of the credit purchase service is generated.

[0032] Furthermore, to achieve the above objectives, this application also provides a Hebao account management device, the Hebao account management device comprising:

[0033] The acquisition module is used to determine the credit purchase service bound to the credit purchase mobile number when the user needs to change the credit purchase mobile number bound to the target and package account.

[0034] The generation module is used to generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0035] The adjustment module is used to change the mobile phone number bound to the target account and package account to the target mobile phone number according to the binding adjustment strategy selected by the user, and adjust the mobile phone number bound to the credit purchase service.

[0036] In addition, to achieve the above objectives, this application also provides an apparatus comprising: a memory, a processor, and a Hebao account management program stored in the memory and executable on the processor, the Hebao account management program being configured to implement the steps of the Hebao account management method as described above.

[0037] In addition, to achieve the above objectives, this application also provides a computer-readable storage medium storing a Hebao account management program, which, when executed by a processor, implements the steps of the Hebao account management method as described above.

[0038] This application, when a user needs to change the mobile phone number linked to their target Hebao account for credit purchases, first determines the credit purchase service currently linked to that mobile phone number and generates interactive options for adjusting the binding strategy of that credit purchase service. By allowing the user to select the appropriate interactive option and provide the target mobile phone number, the binding of the mobile phone number linked to the Hebao account for credit purchases is adjusted simultaneously with the credit purchase service linked to that mobile phone number. This ensures that subsequent credit purchase services can be traced back to the corresponding mobile phone number, thereby guaranteeing the later execution effect of the credit purchase service. Furthermore, it achieves the effect of changing the mobile phone number linked to the Hebao account even if the credit purchase service has not been fully repaid, thus improving the flexibility of the Hebao account in changing its linked mobile phone number in different application scenarios. Attached Figure Description

[0039] Figure 1 This is a flowchart illustrating the first embodiment of the method for managing package accounts according to this application;

[0040] Figure 2 This is a schematic diagram illustrating the application scenario where the target of this application's embodiments and the package account need to have its bound mobile phone number changed;

[0041] Figure 3 This is a detailed flowchart of step S20 in the second embodiment of the account management method of this application;

[0042] Figure 4 This is a schematic diagram of the display interface of the app in the embodiments of this application;

[0043] Figure 5 This is a schematic diagram of the binding content of the first binding adjustment strategy in the embodiments of this application;

[0044] Figure 6 This is a schematic diagram of the binding content of the second binding adjustment strategy in the embodiments of this application;

[0045] Figure 7 This is a structural block diagram of an embodiment of the present application and the package account management device;

[0046] Figure 8 This is a schematic diagram of the device structure of the hardware operating environment involved in the embodiments of this application.

[0047] 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

[0048] It should be understood that the specific embodiments described herein are merely illustrative of this application and are not intended to limit this application.

[0049] Reference Figure 1 , Figure 1 This is a flowchart illustrating the first embodiment of the account management method of this application.

[0050] In the first embodiment, the Hebao account management method includes the following steps:

[0051] S10, if the user needs to change the credit purchase mobile number bound to the target and package account, determine the credit purchase service bound to the credit purchase mobile number;

[0052] Understandably, Hebao accounts are uniquely linked to users' mobile phone numbers. These linked mobile phone numbers may be used in different payment or financial service scenarios. Among them, the "Credit Purchase Mobile Number" refers to the user's mobile phone number that is linked to the Credit Purchase service. The Credit Purchase service refers to the linked mobile phone number, which is restricted to using the mobile data and call data plan specified by the Credit Purchase service. Furthermore, the transaction amount involved in the Credit Purchase service can be divided into multiple installments over multiple months.

[0053] For example, in a scenario where a user's mobile phone number is linked to a credit purchase service, taking a total payment amount of 1,000 yuan for the credit purchase service as an example, it can be divided into 10 installments. In each installment, the user of the mobile phone number needs to repay 100 yuan plus the corresponding interest. The credit purchase service can incorporate the amount that the user needs to repay each month into the monthly call and data plan of the mobile phone number, so that the repayment can be collected directly by deducting the monthly call charges of the user's mobile phone number, or the repayment can be made through the Hebao account linked to the mobile phone number.

[0054] It should be noted that Hebao accounts can be divided into different types based on the different services they involve. When the mobile phone number bound to a Hebao account is a credit purchase mobile phone number, it can be used as the target Hebao account. When the target Hebao account changes its bound credit purchase mobile phone number, the situation of the credit purchase service corresponding to that credit purchase mobile phone number needs to be comprehensively considered, such as repayment status, remaining installment status, and expected repayment amount. If a regular Hebao account needs to change its bound mobile phone number, it only needs to unbind the bound mobile phone number and bind the new mobile phone number to the Hebao account.

[0055] Specifically, after logging into their Hebao account on the Hebao app, users can view their currently uniquely linked mobile phone number through the app's settings. When users want to change their mobile phone number for their own needs, such as wanting an easy-to-remember number, a number with special meaning, or a number from a different region, they can click the "Change Mobile Number" option in the app to make the change.

[0056] When a user clicks the option to change their phone number, the Hebao APP backend can determine whether the phone number the user wants to change to is a credit purchase phone number. If so, it needs to consider the credit purchase service that the phone number is linked to. If not, the linked phone number can be changed directly.

[0057] Furthermore, to ensure the security and stability of the credit purchase service and avoid frequent switching of the bound mobile phone number, which could lead to financial risks, it is necessary to assess the credit purchase service corresponding to the mobile phone number. This involves determining whether the current credit purchase service meets the unbinding criteria. Specifically, if the remaining outstanding amount of the credit purchase service is less than a preset amount, and the number of overdue payments in the corresponding repayment record is less than a preset number of overdue payments, an interactive option for adjusting the binding strategy of the credit purchase service can be generated. This is equivalent to setting the conditions for changing the mobile phone number before it is changed. By assessing the repayment status of the current mobile phone number used for the credit purchase service, it can be determined whether the mobile phone number meets the conditions for being changed.

[0058] The remaining amount to be repaid is the amount that has not yet been repaid for the credit purchase business. Taking the credit purchase business as an example, with a three-month repayment period of 100 per period and no interest, if the user of the credit purchase mobile number has completed one repayment, the remaining amount to be repaid is 200.

[0059] The preset amount is a pre-set amount that can be determined according to the actual situation. For example, the preset amount is 10% of the total amount involved in the credit purchase business. When the total amount is 500, the preset amount is 50. The preset amount can also be set to a fixed value, for example, the preset amount can be 200.

[0060] The number of overdue payments refers to the number of times a user makes a payment after the scheduled payment date. The preset number of overdue payments is the corresponding judgment threshold, which can be three or five times, etc.

[0061] The replacement criteria are mainly based on the remaining amount and repayment status. On the one hand, it takes into account the situation where the remaining amount is small, which reduces the risk of changing the mobile phone number linked to the credit purchase service. On the other hand, it takes into account the credit status of the user corresponding to the credit purchase mobile phone number. Specifically, if 80% of the payment has been made up and the number of overdue payments is less than three, it can be determined that the user meets the current conditions for replacing the credit purchase mobile phone number.

[0062] S20, generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0063] Understandably, when changing the mobile phone number linked to the target and package accounts for credit purchases, it is necessary to simultaneously adjust the credit purchase service linked to that mobile phone number.

[0064] The binding adjustment strategy includes two strategies. One is to keep the credit purchase service bound to the target account, but change the mobile phone number bound to it. The other is to keep the credit purchase service bound to the credit purchase mobile phone number, but change the account bound to it.

[0065] Based on the above, when a user clicks the option to change their phone number, if the Hebao APP backend determines that the user does not meet the replacement conditions, the Hebao APP interface will display that the phone number cannot be changed at present. If the Hebao APP backend determines that the user meets the replacement conditions, the Hebao APP interface will display the corresponding interactive options for the user to choose whether to change only the phone number (i.e., the credit purchase service will continue to be retained in the current target Hebao account) or to change both the phone number and the credit purchase service (i.e., the credit purchase service will be transferred to the new Hebao account along with the credit purchase phone number). The Hebao APP backend will determine whether the credit purchase obligation corresponding to the credit purchase phone number is to be completed by the original Hebao account or by the new Hebao account bound to the credit purchase phone number, based on the user's selected option.

[0066] Understandably, this interactive option refers to the option for users to choose to change their mobile phone number and the content bound to the credit purchase service. In this scenario, it is necessary to change the mobile phone number bound to the target and package accounts. Therefore, users also need to provide the corresponding target mobile phone number through this interactive option. The target mobile phone number can be any number other than the credit purchase mobile phone number.

[0067] S30, according to the binding adjustment strategy selected by the user, change the mobile phone number bound to the target and package account to the target mobile phone number, and adjust the mobile phone number bound to the credit purchase service.

[0068] Understandably, after the user selects the appropriate binding adjustment strategy in the corresponding interaction options, they can change the mobile phone number bound to the target account and the package account to the target mobile phone number, and adjust the mobile phone number bound to the credit purchase service, respectively, according to the binding adjustment strategy. For details, please refer to... Figure 2 .

[0069] It should be understood that the mobile phone number linked to this credit purchase service can be either the credit purchase mobile phone number or the target mobile phone number.

[0070] This embodiment, when a user needs to change the mobile phone number linked to their target Hebao account for credit purchases, first determines the credit purchase service currently linked to that mobile phone number and generates an interactive option to adjust the binding strategy of that credit purchase service. The user selects the corresponding interactive option and provides the target mobile phone number. This simultaneously adjusts the binding of the mobile phone number linked to the Hebao account for credit purchases, ensuring that subsequent credit purchase transactions can be traced back to the corresponding mobile phone number. This guarantees the effectiveness of the credit purchase transaction in the later stages, and even if the credit purchase transaction is not fully repaid, the mobile phone number linked to the Hebao account can still be changed. Therefore, this improves the flexibility of the Hebao account in changing its linked mobile phone number in different application scenarios.

[0071] like Figure 3 As shown, based on the first embodiment, a second embodiment of the application and package account management method is proposed. In this embodiment, step S20 specifically includes:

[0072] S21, while the credit purchase service retains its binding relationship with the target and package account, a first binding adjustment strategy is generated to bind the credit purchase service with the target mobile phone number.

[0073] Understandably, when changing the mobile phone number bound to the target and package account for credit purchase, it is also necessary to change the binding strategy of the credit purchase service corresponding to the mobile phone number. That is, when generating the corresponding binding adjustment strategy interaction options, first determine the package account to be bound to the credit purchase service, and complete the subsequent repayment matters of the credit purchase service through the package account. Then, based on the package account to which it is bound, further determine the mobile phone number to be bound to the credit purchase service.

[0074] Specifically, the binding adjustment strategy can be divided into a first binding adjustment strategy and a second binding adjustment strategy, depending on the different accounts bound to the credit purchase business.

[0075] The first binding adjustment strategy refers to maintaining the binding relationship between the credit purchase service and the target and package accounts. If the target and package accounts need to change the mobile phone number they are bound to, the credit purchase service needs to be bound to the target mobile phone number after the target and package accounts are bound to the target mobile phone number. This allows the remaining repayments of the credit purchase service to be completed through the target and package accounts.

[0076] Understandably, after generating the first and second binding adjustment strategies, they will be displayed to the user through corresponding display units in a UI interactive manner. Users can then select either strategy from the first or second, and provide the target mobile phone number through interactive options to change the mobile phone number bound to the target account and adjust the binding status of the credit purchase service. For details, please refer to [link / reference]. Figure 4 .

[0077] When adjusting the binding relationship between the aforementioned mobile phone number, Hebao account, and credit purchase service, it is necessary to make security judgments for different situations to ensure that the transfer of credit purchase service and the switching of mobile phone number bound to Hebao account are carried out reasonably and securely.

[0078] Specifically, when the user selects the first binding adjustment strategy, security verification is performed on the target mobile phone number and the credit purchase mobile phone number. After passing the security verification, the credit purchase mobile phone number bound to the target account is changed to the target mobile phone number, and the billing plans of the credit purchase mobile phone number and the target mobile phone number are swapped and transferred. The credit purchase service is then bound to the target mobile phone number.

[0079] Understandably, security verification can be performed in different ways depending on the application scenario. It can be mainly divided into biometric verification and verification information verification. Biometric verification can include facial recognition verification and fingerprint verification, while verification information verification can include verification code verification and 5G card message verification.

[0080] When using 5G card messages for verification, users of both the credit purchase mobile number and the target mobile number can directly verify their identity by clicking on the options within the 5G card message after receiving it.

[0081] Specifically, biometric verification can be performed on the user corresponding to the target mobile phone number, and after the biometric verification is passed, verification information can be performed on the target mobile phone number and the credit purchase mobile phone number to achieve secure verification of the credit purchase mobile phone number and the target mobile phone number.

[0082] When triggering security verification for the target mobile phone number and the credit purchase mobile phone number, the process will depend on the usage of the target mobile phone number. For example, if the target mobile phone number is the user's actual mobile phone number, the difficulty of security verification can be reduced, and verification can be done simply by checking the information. However, if the target mobile phone number is the user's mobile phone number that has not yet been verified with their real name, a biometric information verification process will be added to ensure that the corresponding user can be found through the target mobile phone number.

[0083] Specifically, when providing interactive options on the Hebao APP interface, a mobile phone number input box will be displayed so that users can enter the target mobile phone number. It can also obtain other mobile phone numbers that the user has verified with their real name for the credit purchase mobile phone number and display these other mobile phone numbers for users to choose from.

[0084] It should be noted that after passing the security verification, the mobile phone number bound to the target account and the credit purchase account will be changed to the target mobile phone number, and the billing plans of the credit purchase mobile phone number and the target mobile phone number will be swapped and transferred. The credit purchase service will then be bound to the target mobile phone number.

[0085] Understandably, the credit purchase service is a service that is pre-paid and then paid for by repayment after being linked to a credit purchase mobile number. The linked credit purchase mobile number has a corresponding fixed call and data plan. For example, the credit purchase service requires the linked credit purchase mobile number to have a minimum monthly consumption of 100, or the corresponding amount is directly deducted from the credit purchase mobile number's call charges to repay the outstanding credit purchase service debt.

[0086] Therefore, when changing the mobile phone number bound to the credit purchase service to the target mobile phone number, it is necessary to swap and transfer the call and data plans of the target mobile phone number and the credit purchase mobile phone number to ensure that the call and data plans of the mobile phone number bound to the credit purchase service correspond to the credit purchase service.

[0087] S22, when the credit purchase service is to be bound to another Hebao account, a second binding adjustment strategy is generated to bind the credit purchase service to the credit purchase mobile number, wherein the other Hebao account is the account bound to the credit purchase mobile number.

[0088] Understandably, the binding adjustment strategy can be divided into a first binding adjustment strategy and a second binding adjustment strategy, depending on the different accounts bound to the credit purchase business.

[0089] The second binding adjustment strategy refers to binding the credit purchase service to another Hebao account. This means that the remaining amount of the credit purchase service to be repaid will be completed through the new Hebao account. In other words, the credit purchase service and the credit purchase mobile phone number are unbound from the target Hebao account and bound together to the new Hebao account. This establishes a binding relationship between the other Hebao account and the credit purchase mobile phone number, while retaining the binding relationship between the credit purchase mobile phone number and the credit purchase service.

[0090] Specifically, the first and second binding adjustment strategies include multiple ways to modify the mobile phone number bound to the target and package accounts. Using different adjustment strategies will achieve different binding methods between different mobile phone numbers and different package accounts. See details for further information. Figure 5 and Figure 6 .

[0091] Specifically, when the binding adjustment strategy is the second binding adjustment strategy, it is necessary to continuously bind the credit purchase service with the credit purchase mobile number and bind the credit purchase mobile number to a new, separate account. This separate account may be used by individuals with poor credit records, or an account that frequently incurs overdue payments, or an account whose daily spending is far less than the amount of each installment payment for the credit purchase service. In this case, there is a possibility that the separate account may be unable to repay the credit purchase service. To avoid the risk of the corresponding repayment amount for the credit purchase service stagnating or becoming severely overdue after transferring the credit purchase service to the new separate account, it is necessary to perform a risk prediction on the separate account to which the credit purchase service is to be bound before binding the credit purchase service and the separate account. If the prediction result meets the preset replacement conditions, the credit purchase service is bound to both the credit purchase mobile number and the separate account.

[0092] It should be noted that risk prediction for another Hebao account is mainly based on the usage records of that other Hebao account to determine its repayment ability and the consumption level of the user corresponding to the account. This allows for the prediction of the probability that the other Hebao account can make timely and secure repayments for the remaining credit purchase business. Based on this probability, a corresponding prediction result can be obtained. If the prediction result meets the preset replacement conditions, the credit purchase business and the credit purchase mobile number can be bound to the other Hebao account.

[0093] Among them, the preset replacement conditions are the assessment conditions for the ability of another Hebao account to repay credit purchase business, such as assessing the consumption level of the other Hebao account and whether the corresponding repayments were made on time in the past.

[0094] Specifically, before performing risk prediction on another Hebao account, in order to ensure that the credit purchase business can be completed on time by the corresponding users, the historical usage data of the other Hebao account bound to the credit purchase business can be obtained first. Based on the historical usage data, the number of times the other Hebao account has defaulted on payments can be counted. If the number of defaults is less than or equal to the preset number of defaults, the risk prediction of the other Hebao account can be performed based on the historical usage data to obtain the prediction result.

[0095] Understandably, historical usage data may include the historical usage of another Hebao account in payment scenarios, such as the financial transactions historically used by the other Hebao account, the repayment performance of the other Hebao account in historical debts, etc., wherein the historical usage data should involve the historical usage records of all mobile phone numbers previously bound to the other Hebao account.

[0096] Understandably, "dishonest payment" refers to payment-related dishonesty such as overdue payments and continuous arrears in the repayment performance of another Hebao account. The number of times dishonesty occurs refers to the number of times dishonesty occurs, which can be divided into historical overdue number of times and historical arrears number of times. Historical overdue number of times refers to the number of times the other Hebao account has failed to repay on time in the historical record, and historical arrears number of times refers to the number of times the other Hebao account has defaulted on payments in the historical record.

[0097] Specifically, the basic overdue risk of another Hebao account can be determined by comparing the number of times the account has defaulted on payments with the preset number of defaults. The basic overdue risk of another Hebao account can be determined by first looking at the historical overdue situation and historical debt of all mobile phone numbers historically bound to the other Hebao account. In other words, the basic overdue risk can be determined by the number of defaults.

[0098] Specifically, if the total number of historical overdue payments or outstanding debts of a mobile phone number historically linked to another Hebao account exceeds the preset number of defaults (the preset number of defaults is determined based on the remaining amount of outstanding payments for the credit purchase and the number of outstanding payments; the higher the remaining amount of outstanding payments and the more outstanding payments, the higher the preset value), the new Hebao account will be deemed to have a high basic risk of default. This indicates that the other Hebao account is unlikely to fulfill its credit purchase obligations on time. At this point, the Hebao APP will display a message: "The currently entered mobile phone number does not meet the conditions for changing the mobile phone number for credit purchase. Please re-enter."

[0099] Specifically, if the total number of historical overdue payments for the mobile phone number historically linked to another Hebao account is not higher than a preset value and the number of historical outstanding payments is not higher than a preset value, it is determined that the basic overdue risk of the other Hebao account is relatively small. At this time, the risk of the other Hebao account will be further predicted by combining historical usage data to obtain the prediction result.

[0100] Specifically, when predicting the risk of another Hebao account, it is necessary to statistically determine the transfer correlation between the other Hebao account and the target Hebao account based on the historical usage data, as well as the monthly consumption amount of the other Hebao account. Then, based on the monthly consumption amount, the repayment status of the credit purchase service, and the transfer correlation, a risk prediction is made regarding the repayment ability of the other Hebao account. The prediction result is then used to determine the final safety value based on the transfer correlation between the other Hebao account and the target Hebao account, the matching degree between the monthly consumption amount of the other Hebao account and the credit purchase package, and the remaining outstanding amount in the credit purchase repayment status. Finally, a risk assessment is conducted based on this final safety value, which serves as the prediction result.

[0101] Understandably, the degree of correlation in transfers refers to the extent to which the transaction amounts between another Hebao account and the target Hebao account are related. This degree of correlation affects the credit rating of the other Hebao account. For example, if the transaction amounts between the other Hebao account and the target Hebao account are large, it can prove that the two are closely related. If the target Hebao account has a high payment credit rating, the other Hebao account can also be regarded as an account with a high payment credit rating. In specific cases, a detailed analysis is needed based on the actual degree of correlation.

[0102] When determining the transfer correlation, the system analyzes transfers from another Hebao account to the target Hebao account. This analysis specifically includes the total amount transferred directly from the other Hebao account to the target Hebao account, as well as the total amount transferred, remitted, and topped up by the other Hebao account through its linked mobile phone number to the target Hebao account's mobile phone number. Then, the system retrieves transfer information from the other Hebao account to other Hebao accounts. After obtaining these transfer amounts, the target Hebao account and other Hebao accounts are sorted in descending order of transfer amount, and the corresponding transfer correlation m is determined based on the target Hebao account's ranking. For example, when the ranking is 1, the transfer correlation m is determined to be 1.2; when the ranking is 3, the transfer correlation m is determined to be 1; and when the ranking is 5, the correlation m is determined to be 0.8.

[0103] Understandably, the monthly consumption amount refers to the monthly usage of the data or communication package for the mobile phone number corresponding to another Hebao account. This monthly consumption amount can be matched with the monthly outstanding amount of the credit purchase service corresponding to the credit purchase mobile phone number, thereby determining whether the other Hebao account has the ability to repay the outstanding amount of the credit purchase service on time.

[0104] Among other things, it will obtain the mobile phone number that another Hebao account was previously bound to, as well as the usage of the target mobile phone number to be bound to the other Hebao account in terms of calls, data traffic and SMS, and the communication package (monthly consumption amount) currently used by the target mobile phone number and the average monthly repayment amount of the credit purchase mobile phone number.

[0105] In addition, when another Hebao account is bound to multiple mobile phone numbers, the maximum usage of these multiple mobile phone numbers in terms of calls, data traffic, and SMS will be obtained, and these three maximum usages will be determined as the communication usage of the other Hebao account.

[0106] Understandably, the prediction result is a safety value calculated based on the transfer correlation, monthly consumption amount, and outstanding repayment amount. Specifically, the formula for calculating the safety value p is as follows:

[0107]

[0108] Among them, the communication package C1 used for purchasing mobile phone numbers with credit can include call duration x1 minutes, SMS y1, and data traffic z1. The price of communication package C1 is S1.

[0109] The target mobile number's communication package C2 can include call duration x2 minutes, SMS messages y2, and data traffic z2. The price of communication package C2 is S2.

[0110] Among them, the communication usage C0 of another account includes call duration x0 minutes, SMS messages y0, and data traffic z0;

[0111] Among them, the average monthly outstanding payment for mobile phone purchases using credit is n; the unit prices for call minutes, SMS messages, and data traffic exceeding the package limit are h, k, and j, respectively.

[0112] After determining the final security value, it will be checked whether the final security value is higher than the preset security threshold (preset replacement condition). If it is higher, it is determined that the evaluation result indicates that the other Hebao account has a relatively high probability of fulfilling the credit purchase obligation. At this time, the credit purchase mobile phone number is decoupled from the target Hebao account and bound to the other Hebao account. The target Hebao account can be bound to the mobile phone number unbound from the other Hebao account (this mobile phone number can also be the target mobile phone number). If it is not higher than the preset security threshold, the Hebao APP will pop up a prompt message that it cannot be changed. The specific content may be "The currently entered mobile phone number does not meet the credit purchase mobile phone number replacement condition. Please re-enter".

[0113] It should be noted that after changing the mobile phone number and transferring the credit purchase obligation to the new Hebao account, the credit purchase obligation will be linked to the target Hebao account in the background. When the new Hebao account fails to fulfill its credit purchase obligation on time, the corresponding debt will be deducted from the target Hebao account. When the number of deductions reaches a specified number or a specified amount, the transfer of the current credit purchase obligation will be canceled, and the credit purchase obligation will be restored to the target Hebao account.

[0114] This embodiment generates a first binding adjustment strategy for binding the credit purchase service to the target mobile phone number when the credit purchase service retains its binding relationship with the target package account, and generates a second binding adjustment strategy for binding the credit purchase service to the credit purchase mobile phone number when the credit purchase service is to be bound to another package account. The other package account is the account bound to the credit purchase mobile phone number, so that when the credit purchase mobile phone number bound to the target package account is changed, the binding status of the credit purchase service corresponding to the credit purchase mobile phone number can be taken into account.

[0115] Furthermore, this application also proposes a package account management device, referring to... Figure 7The account management device includes:

[0116] The acquisition module 10 is used to determine the credit purchase service bound to the credit purchase mobile number when the user needs to change the credit purchase mobile number bound to the target and package account.

[0117] The generation module 20 is used to generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0118] The adjustment module 30 is used to change the mobile phone number bound to the target account and package account to the target mobile phone number according to the binding adjustment strategy selected by the user, and adjust the mobile phone number bound to the credit purchase service.

[0119] This embodiment, when a user needs to change the mobile phone number linked to their target Hebao account for credit purchases, first determines the credit purchase service currently linked to that mobile phone number and generates an interactive option to adjust the binding strategy of that credit purchase service. The user selects the corresponding interactive option and provides the target mobile phone number. This simultaneously adjusts the binding of the mobile phone number linked to the Hebao account for credit purchases, ensuring that subsequent credit purchase transactions can be traced back to the corresponding mobile phone number. This guarantees the effectiveness of the credit purchase transaction in the later stages, and even if the credit purchase transaction is not fully repaid, the mobile phone number linked to the Hebao account can still be changed. Therefore, this improves the flexibility of the Hebao account in changing its linked mobile phone number in different application scenarios.

[0120] It should be noted that each module in the above-mentioned device can be used to implement each step in the above-mentioned method and achieve the corresponding technical effect. This embodiment will not elaborate further here.

[0121] Reference Figure 8 , Figure 8 This is a schematic diagram of the hardware operating environment of the device involved in the embodiments of this application.

[0122] like Figure 8As shown, the device may include: a processor 1001, such as a CPU; a communication bus 1002; a user interface 1003; a network interface 1004; and a memory 1005. The communication bus 1002 is used to enable communication between these components. The user interface 1003 may include a display screen or an input unit such as a keyboard; optionally, the user interface 1003 may also include a standard wired interface or a wireless interface. The network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a Wi-Fi interface). The memory 1005 may be high-speed RAM or non-volatile memory, such as a disk drive. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0123] Those skilled in the art will understand that Figure 8 The structure shown does not constitute a limitation on the device and may include more or fewer components than shown, or combine certain components, or have different component arrangements.

[0124] like Figure 8 As shown, the memory 1005, which serves as a computer storage medium, may include an operating system, a network communication module, a user interface module, and a package account management program.

[0125] exist Figure 8 In the device shown, network interface 1004 is mainly used for data communication with external networks; user interface 1003 is mainly used for receiving user input commands; the device calls the package account management program stored in memory 1005 through processor 1001 and performs the following operations:

[0126] If a user needs to change the mobile phone number associated with the target and package account for credit purchase, determine the credit purchase service associated with the mobile phone number associated with the credit purchase service.

[0127] Generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0128] Based on the binding adjustment strategy selected by the user, the mobile phone number bound to the target and package accounts is changed to the target mobile phone number, and the mobile phone number bound to the credit purchase service is adjusted.

[0129] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0130] While maintaining the binding relationship between the credit purchase service and the target and package accounts, a first binding adjustment strategy is generated to bind the credit purchase service to the target mobile phone number;

[0131] When the credit purchase service is to be bound to another Hebao account, a second binding adjustment strategy is generated to bind the credit purchase service to the credit purchase mobile number, wherein the other Hebao account is the account bound to the credit purchase mobile number.

[0132] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0133] If the user selects the first binding adjustment policy, security verification is performed on the target mobile phone number and the credit purchase mobile phone number.

[0134] After passing security verification, the mobile phone number bound to the target account is replaced with the target mobile phone number, and the billing plans of the credit purchase mobile phone number and the target mobile phone number are swapped and transferred. The credit purchase service is then bound to the target mobile phone number.

[0135] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0136] Biometric verification is performed on the user corresponding to the target mobile phone number;

[0137] After the biometric verification is passed, the target mobile phone number and the credit purchase mobile phone number are verified.

[0138] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0139] When the binding adjustment strategy is the second binding adjustment strategy, risk prediction is performed on another Hebao account to be bound for the credit purchase business, and the prediction result is obtained;

[0140] If the prediction result meets the preset replacement conditions, the credit purchase service will be bound to both the credit purchase mobile number and the other Hebao account.

[0141] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0142] Obtain the historical usage data of another Hebao account linked to the credit purchase service;

[0143] Based on the historical usage data, the number of times the other payment account has defaulted on payments is calculated.

[0144] If the number of breaches of trust is less than or equal to the preset number of breaches of trust, a risk prediction is made for the other account based on the historical usage data, and a prediction result is obtained.

[0145] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0146] Based on the historical usage data, the transfer correlation between the other Hebao account and the target Hebao account is calculated, and the monthly consumption amount of the other Hebao account is determined.

[0147] Based on the monthly consumption amount, the repayment status of the credit purchase business, and the transfer correlation, a risk prediction is made on the repayment ability of the other Hebao account, and a prediction result is obtained.

[0148] Furthermore, the processor 1001 can call the package account management program stored in the memory 1005 and also perform the following operations:

[0149] If the remaining outstanding amount of the credit purchase service is less than a preset amount, and the number of overdue payments in the corresponding repayment record of the credit purchase service is less than a preset number of overdue payments, an interactive option for adjusting the binding strategy of the credit purchase service is generated.

[0150] This embodiment, when a user needs to change the mobile phone number linked to their target Hebao account for credit purchases, first determines the credit purchase service currently linked to that mobile phone number and generates an interactive option to adjust the binding strategy of that credit purchase service. The user selects the corresponding interactive option and provides the target mobile phone number. This simultaneously adjusts the binding of the mobile phone number linked to the Hebao account for credit purchases, ensuring that subsequent credit purchase transactions can be traced back to the corresponding mobile phone number. This guarantees the effectiveness of the credit purchase transaction in the later stages, and even if the credit purchase transaction is not fully repaid, the mobile phone number linked to the Hebao account can still be changed. Therefore, this improves the flexibility of the Hebao account in changing its linked mobile phone number in different application scenarios.

[0151] Furthermore, embodiments of this application also propose a computer-readable storage medium storing a Hebao account management program, which, when executed by a processor, performs the following operations:

[0152] If a user needs to change the mobile phone number associated with the target and package account for credit purchase, determine the credit purchase service associated with the mobile phone number associated with the credit purchase service.

[0153] Generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options;

[0154] Based on the binding adjustment strategy selected by the user, the mobile phone number bound to the target and package accounts is changed to the target mobile phone number, and the mobile phone number bound to the credit purchase service is adjusted.

[0155] This embodiment, when a user needs to change the mobile phone number linked to their target Hebao account for credit purchases, first determines the credit purchase service currently linked to that mobile phone number and generates an interactive option to adjust the binding strategy of that credit purchase service. The user selects the corresponding interactive option and provides the target mobile phone number. This simultaneously adjusts the binding of the mobile phone number linked to the Hebao account for credit purchases, ensuring that subsequent credit purchase transactions can be traced back to the corresponding mobile phone number. This guarantees the effectiveness of the credit purchase transaction in the later stages, and even if the credit purchase transaction is not fully repaid, the mobile phone number linked to the Hebao account can still be changed. Therefore, this improves the flexibility of the Hebao account in changing its linked mobile phone number in different application scenarios.

[0156] It should be noted that when the above-mentioned computer-readable storage medium is executed by the processor, it can also implement the various steps in the above method and achieve the corresponding technical effects. This embodiment will not be described in detail here.

[0157] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or system. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or system that includes that element.

[0158] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0159] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) as described above, and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in the various embodiments of this application.

[0160] The above are merely preferred embodiments of this application and do not limit the patent scope of this application. Any equivalent structural or procedural transformations made using the content of this application's specification and drawings, or direct or indirect applications in other related technical fields, are similarly included within the patent protection scope of this application.

Claims

1. A method for managing Hebao accounts, characterized in that, The Hebao account management method includes the following steps: If a user needs to change the mobile phone number associated with the target and package account for credit purchase, determine the credit purchase service associated with the mobile phone number associated with the credit purchase service. Generate interactive options for the binding adjustment strategy of the credit purchase service, so that the user can select the corresponding binding adjustment strategy and provide the target mobile phone number to be used according to the interactive options; According to the binding adjustment strategy selected by the user, the mobile phone number bound to the target and package account is changed to the target mobile phone number, and the mobile phone number bound to the credit purchase service is adjusted. The binding adjustment strategy includes a first binding adjustment strategy and a second binding adjustment strategy. Prior to the step of generating the interactive options for the binding adjustment strategy of the credit purchase service, the following steps are included: While maintaining the binding relationship between the credit purchase service and the target and package accounts, a first binding adjustment strategy is generated to bind the credit purchase service to the target mobile phone number; When the credit purchase service is to be bound to another Hebao account, a second binding adjustment strategy is generated to bind the credit purchase service to the credit purchase mobile number, wherein the other Hebao account is the account bound to the credit purchase mobile number.

2. The method for managing Hebao accounts as described in claim 1, characterized in that, The step of changing the mobile phone number bound to the target and package accounts to the target mobile phone number according to the binding adjustment strategy selected by the user, and adjusting the mobile phone number bound to the credit purchase service, includes: If the user selects the first binding adjustment policy, security verification is performed on the target mobile phone number and the credit purchase mobile phone number. After passing security verification, the mobile phone number bound to the target account is replaced with the target mobile phone number, and the billing plans of the credit purchase mobile phone number and the target mobile phone number are swapped and transferred. The credit purchase service is then bound to the target mobile phone number.

3. The method for managing Hebao accounts as described in claim 2, characterized in that, The security verification includes biometric verification and verification code verification. The steps for performing security verification on the target mobile phone number include: Biometric verification is performed on the user corresponding to the target mobile phone number; After the biometric verification is passed, the target mobile phone number and the credit purchase mobile phone number are verified.

4. The method for managing Hebao accounts as described in claim 1, characterized in that, The step of adjusting the mobile phone number bound to the credit purchase service according to the binding adjustment strategy selected by the user further includes: When the binding adjustment strategy is the second binding adjustment strategy, risk prediction is performed on another Hebao account to be bound for the credit purchase business, and the prediction result is obtained; If the prediction result meets the preset replacement conditions, the credit purchase service will be bound to both the credit purchase mobile number and the other Hebao account.

5. The method for managing Hebao accounts as described in claim 4, characterized in that, The step of performing risk prediction on another Hebao account to be bound to the credit purchase business and obtaining the prediction result includes: Obtain the historical usage data of another Hebao account linked to the credit purchase service; Based on the historical usage data, the number of times the other payment account has defaulted on payments is calculated. If the number of breaches of trust is less than or equal to the preset number of breaches of trust, a risk prediction is made for the other account based on the historical usage data, and a prediction result is obtained.

6. The method for managing Hebao accounts as described in claim 5, characterized in that, The step of performing risk prediction on the other account based on the historical usage data and obtaining the prediction result includes: Based on the historical usage data, the transfer correlation between the other Hebao account and the target Hebao account is calculated, and the monthly consumption amount of the other Hebao account is determined. Based on the monthly consumption amount, the repayment status of the credit purchase business, and the transfer correlation, a risk prediction is made on the repayment ability of the other Hebao account, and a prediction result is obtained.

7. The method for managing Hebao accounts as described in claim 1, characterized in that, Before the step of generating the interactive options for adjusting the binding strategy of the credit purchase service, the following steps are included: If the remaining outstanding amount of the credit purchase service is less than a preset amount, and the number of overdue payments in the corresponding repayment record of the credit purchase service is less than a preset number of overdue payments, an interactive option for adjusting the binding strategy of the credit purchase service will be generated.

8. A payment account management device, characterized in that, The Hebao account management device includes: a memory, a processor, and a Hebao account management program stored on the memory and executable on the processor, the Hebao account management program being configured to implement the steps of the Hebao account management method as described in any one of claims 1 to 7.

9. A storage medium, characterized in that, The storage medium stores a program that implements the Hebao account management method, and the program that implements the Hebao account management method is executed by a processor to implement the steps of the Hebao account management method as described in any one of claims 1 to 7.

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