Property payment reminding method and device, electronic equipment and medium

Abstract

The invention discloses a property payment reminding method and device, electronic equipment and a medium. The method comprises the following steps: determining a first account associated with a first item and a corresponding first user; a first payment notice is sent to the first account number, when the first account number does not pay in a preset time period, a second item corresponding to the first user is determined based on the payment mapping table, a second account number associated with the second item is determined, the second item is a non-overdue payment item, and the second account number is used for being different from the first account number and bound with the second item; and when the second item reaches the corresponding payment reminding moment, sending a second payment notification carrying a target bill associated with the first item and the second item to the second account based on the credit score level of the first user. According to the application, when the overdue payment item is not completed for a long time, the other second account corresponding to the first user associated with the overdue payment item is determined through the mapping table, and the payment notification carrying the associated bills of the two items is sent to the second account, so that the delivery rate of the payment notification is improved.

Description

Technical Field

[0001] The present application relates to but is not limited to the field of communication technology, and in particular to a property payment reminder method, device, electronic device, and medium. Background Art

[0002] The traditional way of collecting property fees is for residents to go to the property management office to pay offline. In order to improve the convenience of paying property fees, the existing property fee collection function module is called in the property system to enable residents to pay online. However, the payment reminder method of the existing property fee collection function module is relatively simple. For an overdue payment item, only the login user account associated with the payment item is notified through the property APP. The collection strategy is not in place, resulting in a low delivery rate of payment notifications. In addition, residents are prone to forget to pay actively. When the property APP detects that the payment item has not been paid within the preset time period, the property service corresponding to the payment item will be deactivated, which leads to poor user experience. Summary of the invention

[0003] The embodiments of the present application provide a property payment reminder method, device, electronic device, and medium, which can improve the delivery rate of payment notifications and thus improve the user experience.

[0004] In a first aspect, an embodiment of the present application provides a property payment reminder method, which is applied to a property system, including:

[0005] Determine a first account associated with a first project, and determine a first user corresponding to the first account, wherein the first account is used to indicate a payment contact account bound to the first project, and the first project is an overdue payment project;

[0006] Sending a preset number of first payment notifications to the first account within a preset time period, and when the first account fails to pay within the preset time period, determining a second item corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second item, wherein the payment mapping table is used to indicate a mapping relationship between a payment item, a payment contact account number, and a corresponding user, the second item is a payment item that is not overdue, the second account number is used to indicate a payment contact account number bound to the second item, the first account number and the second account number are both bound to the first user, and the first account number and the second account number are different from each other;

[0007] Determine a first credit score level of the first user based on the historical payment record of the first user, wherein the historical payment record is used to indicate the historical payment record of all payment items associated with the first user in the payment mapping table;

[0008] When the second item reaches the corresponding collection time, a target bill is generated based on the first bill of the first item and the second bill of the second item, and a second payment notice carrying the target bill is sent to the second account based on the first credit score level.

[0009] In some embodiments, each payment item in the payment mapping table corresponds to a property identifier, and determining a second item corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second item, includes:

[0010] Determining a target property identifier associated with the first user from the payment mapping table;

[0011] Determine the items other than the first item among the payment items corresponding to the target real estate identifier as candidate items;

[0012] Determine a user account corresponding to the candidate item, and determine a user identifier corresponding to the user account;

[0013] Determine an account among the user accounts that corresponds to the first user and is different from the first account as the second account;

[0014] The candidate item corresponding to the second account is determined as the second item.

[0015] In some embodiments, the property system is associated with at least a first platform, a second platform, and a third platform, the first user logs in to the first platform, the second platform, and the third platform through the second account, and sends a second payment notice carrying the target bill to the second account based on the first credit score level, including:

[0016] When the first credit score level is higher than the preset level condition, the second payment notice is sent to the first platform, and the first time difference and the first operation are determined as the first condition, wherein the first time difference is the time difference between two consecutive sendings of the second payment notice, and the first operation is the payment operation of the first user on the first platform;

[0017] When the reference time difference does not reach the first time difference and the first operation is not completed, updating the first condition based on the payment behavior of the first user on the first platform, the reference time difference being the time difference between the time when the second payment notification was last sent and the current time;

[0018] Sending the second payment notice to the second platform based on the updated first condition, determining a second time difference and a second operation as the second condition, the second time difference being the time difference between two consecutive sendings of the second payment notice, and the second operation being a payment operation on the first platform or the second platform;

[0019] When the reference time difference does not reach the second time difference and the second operation is not completed, updating the second condition based on the payment behavior of the first user on the first platform or the second platform, and sending the second payment notification to the third platform based on the updated second condition;

[0020] When it is detected that the first user completes the payment operation corresponding to the second payment notice on any platform, stop sending the second payment notice to the remaining platforms;

[0021] or,

[0022] When the first credit score level is lower than a preset level condition, the second payment notice is sent to the first platform, the second platform and the third platform at the same time.

[0023] In some embodiments, updating the first condition based on the payment behavior of the first user on the first platform includes:

[0024] Determining a first operating state of the first platform;

[0025] In the case where the first running state represents running, when it is detected that the first user enters a payment page in the first platform and has not completed payment, extending the first time difference;

[0026] or,

[0027] In a case where the first operating status representation is closed, a reference payment behavior of the first user on the first platform before the first platform is closed is determined, and the first condition is updated based on the reference payment behavior.

[0028] In some embodiments, updating the first condition based on the reference payment behavior includes:

[0029] Re-timing the startup time of the first platform as the sending time of the second payment notice last sent, and determining a third time difference, wherein the third time difference represents the time difference between the startup time and the next sending of the second payment notice;

[0030] When the first reference payment behavior represents that the first user enters the payment page, extending the third time difference, and determining the extended third time difference and the first operation as the updated first condition;

[0031] or,

[0032] When the first reference payment behavior represents that the first user has not entered the payment page, the third time difference and the first operation are determined as the updated first condition.

[0033] In some embodiments, when the first credit score level is lower than a preset level condition, the method further includes:

[0034] Determine multiple third accounts associated with the first project, and determine multiple fourth accounts associated with the second project, wherein the payment priority of the third account is lower than that of the first account, the payment priority of the fourth account is lower than that of the second account, and the users corresponding to the third account and the fourth account are different from the first user;

[0035] Determine each second credit score level based on the historical payment records of the users corresponding to each third account in the business system, and determine each third credit score level based on the historical payment records of the users corresponding to each fourth account in the business system;

[0036] Based on the preset grade condition and all the second credit score grades, determining a first target account from the third accounts, and assigning a new payment priority to the first target account, wherein the new payment priority of the first target account is higher than the payment priority of the first account;

[0037] Based on the preset grade condition and all of the third credit score grades, determining a second target account from the fourth account, assigning a new payment priority to the second target account, the new payment priority of the second target account being higher than the payment priority of the second account;

[0038] When the user corresponding to the first target account is the same as the user corresponding to the second target account, sending the second payment notification to the first target account or the second target account;

[0039] When the user corresponding to the first target account is different from the user corresponding to the second target account, the second payment notification is sent to the first target account, and the second payment notification is sent to the second target account at the same time.

[0040] In some embodiments, the first platform, the second platform, and the third platform are all configured with weight values, and after sending a second payment notice carrying the target bill to the second account based on the first credit score level, the method further includes:

[0041] In the case where the first credit score level is higher than the preset level condition, when it is detected that the first user completes the payment operation corresponding to the second payment notice on the second platform or the third platform, the platform corresponding to the completed payment operation is determined as the target platform, and the weight value corresponding to the target platform is increased, and the weight value corresponding to the target platform is higher than the weight values ​​of the remaining platforms;

[0042] When the third item associated with the first user reaches the corresponding collection time, a new second payment notification is sent to the target platform, wherein the third item is a payment item that is not overdue.

[0043] In a second aspect, an embodiment of the present application provides a control device, comprising at least one control processor and a memory for communicating with the at least one control processor; the memory stores instructions that can be executed by the at least one control processor, and the instructions are executed by the at least one control processor so that the at least one control processor can execute the property payment reminder method described in the first aspect.

[0044] In a third aspect, an embodiment of the present application further provides an electronic device, comprising the control device of the second aspect.

[0045] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are used to execute the property payment reminder method as described in the first aspect.

[0046] The embodiments of the present application provide a property payment reminder method, device, electronic device, and medium, the method comprising: determining a first account associated with a first project, and determining a first user corresponding to the first account, wherein the first account is used to indicate a payment contact account bound to the first project, and the first project is an overdue payment project; sending a preset number of first payment notifications to the first account within a preset time period, and when the first account fails to pay within the preset time period, determining a second project corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second project, wherein the payment mapping table is used to indicate a mapping relationship between a payment project and a payment contact account and a corresponding user, and the second The item is a payment item that is not overdue, the second account is used to indicate the payment contact account bound to the second item, the first account and the second account are both bound to the first user, and the first account and the second account are different; the first credit score level of the first user is determined based on the historical payment record of the first user, wherein the historical payment record is used to indicate the historical payment record of all payment items associated with the first user in the payment mapping table; when the second item reaches the corresponding collection time, a target bill is generated based on the first bill of the first item and the second bill of the second item, and a second payment notice carrying the target bill is sent to the second account based on the first credit score level. According to the solution provided in the embodiment of the present application, when the overdue payment item has not been completed for a long time, the other second account corresponding to the first user associated with the overdue payment item is determined through the mapping table, and a second payment notice carrying the associated bills of the two items is sent to the second account, thereby improving the delivery rate of the payment notice and thus improving the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] Figure 1 This is a flowchart of the steps of a property payment reminder method provided by an embodiment of the present application;

[0048] Figure 2 It is a structural diagram of a control device provided in another embodiment of the present application. DETAILED DESCRIPTION

[0049] 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.

[0050] It is understood that although the functional modules are divided in the device schematic diagram and the logical order is shown in the flow chart, 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 flow chart. The terms "first", "second", etc. in the specification, claims or the above drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence.

[0051] The traditional way of collecting property fees is for residents to go to the property management office to pay offline. In order to improve the convenience of paying property fees, the existing property fee collection function module is called in the property system to enable residents to pay online. However, the payment reminder method of the existing property fee collection function module is relatively simple. For an overdue payment item, only the login user account associated with the payment item is notified through the property APP. The collection strategy is not in place, resulting in a low delivery rate of payment notifications. In addition, residents are prone to forget to pay actively. When the property APP detects that the payment item has not been paid within the preset time period, the property service corresponding to the payment item will be deactivated, which leads to poor user experience.

[0052] To solve the above-mentioned problems, an embodiment of the present application provides a property payment reminder method, device, electronic device, and medium, wherein the method includes: determining a first account associated with a first project, and determining a first user corresponding to the first account, wherein the first account is used to indicate a payment contact account bound to the first project, and the first project is an overdue payment project; sending a preset number of first payment notifications to the first account within a preset time period, and when the first account fails to pay within the preset time period, determining a second project corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second project, wherein the payment mapping table is used to indicate a mapping relationship between a payment project, a payment contact account, and a corresponding user. , the second item is a payment item that is not overdue, the second account number is used to indicate the payment contact account number bound to the second item, the first account number and the second account number are both bound to the first user, and the first account number and the second account number are different from each other; the first credit score level of the first user is determined based on the historical payment record of the first user, wherein the historical payment record is used to indicate the historical payment record of all payment items associated with the first user in the payment mapping table; when the second item reaches the corresponding collection time, a target bill is generated based on the first bill of the first item and the second bill of the second item, and a second payment notice carrying the target bill is sent to the second account number based on the first credit score level. According to the solution provided in the embodiment of the present application, when the overdue payment item has not been completed for a long time, the mapping table is used to determine another second account number corresponding to the first user associated with the overdue payment item, and a second payment notice carrying the associated bills of the two items is sent to the second account number, thereby improving the delivery rate of the payment notice and thus improving the user experience.

[0053] The embodiments of the present application are further described below in conjunction with the accompanying drawings.

[0054] refer to Figure 1 , Figure 1 This is a flowchart of a method for reminding property fees in accordance with an embodiment of the present application. The present application provides a method for reminding property fees in accordance with an embodiment of the present application. The method is applied to a property management system, and the method includes but is not limited to the following steps:

[0055] Step S10, determining a first account associated with the first project, and determining a first user corresponding to the first account, wherein the first account is used to indicate a payment contact account bound to the first project, and the first project is an overdue payment project.

[0056] Specifically, the user binds the payment contact account with the payment item in advance in the property APP associated with the property system, so that the first account and the first user corresponding to the first item can be determined, thereby providing an effective data basis for the subsequent sending of the first payment notice and the second payment notice.

[0057] Step S20, sending a preset number of first payment notifications to the first account within a preset time period, when the first account fails to pay within the preset time period, determining a second item corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second item, wherein the payment mapping table is used to indicate a mapping relationship between a payment item and a payment contact account and a corresponding user, the second item is a payment item that is not overdue, the second account is used to indicate a payment contact account bound to the second item, the first account and the second account are both bound to the first user, and the first account and the second account are different from each other.

[0058] Specifically, the preset time period can be within 1 month or 45 days from the date on which the payment item is overdue, and the technical personnel in this field can determine it according to the actual situation. The preset number of times for sending the first payment notice in this embodiment is determined by the preset time period. For example, the preset time period is within 1 month from the date on which the payment item is overdue, and the first payment notice is sent to the first account every other week, and the preset number of times is 4.

[0059] Specifically, the payment contact account in this embodiment is a mobile phone number or a social account. Those skilled in the art will know that one or more payment contact accounts may correspond to the same user.

[0060] Specifically, when a user binds a payment item with a payment contact account in the property system, the user can select an account and a payment item for binding according to different transaction habits. Therefore, different payment items corresponding to the same user may be bound to different payment contact accounts. Within a preset time period, for example, one month, the first payment notice has been sent to the first account multiple times at intervals. If the first account has not paid the fee within this one month, if the payment notice is only made based on the original binding relationship of the payment item, it may easily result in a low notification delivery rate and an inability to complete the payment matter.

[0061] Specifically, in some embodiments, each payment item in the payment mapping table corresponds to a property identifier. Figure 1 Step S20 includes but is not limited to the following steps:

[0062] Step S21, determining the target property identifier associated with the first user from the payment mapping table;

[0063] Step S22, determining the items other than the first item in the payment items corresponding to the target real estate identifier as candidate items;

[0064] Step S23, determining the user account corresponding to the candidate item, and determining the user identifier corresponding to the user account;

[0065] Step S24, determining an account among the user accounts that corresponds to the first user and is different from the first account as a second account;

[0066] Step S25: determine the candidate item corresponding to the second account as the second item.

[0067] Specifically, the property system of this embodiment can also be communicatively connected with the power supply system, water supply system or gas supply system. In this case, the payment items corresponding to the same real estate identification include multiple types, for example, payment items related to property fees and water fee items, electricity fee items, gas fee items, etc. Therefore, the specific number of candidate items in this embodiment depends on the actual situation.

[0068] Specifically, the target property identification corresponding to the same user may be one or more target property identifications. Therefore, the second item may be a payment item of a different type from the first item corresponding to the same property identification corresponding to the same user. For example, the first item is a property fee item corresponding to property identification A, and the second item is a water fee item corresponding to property identification A. In addition, the second item may also be a payment item of the same type or a payment item of a different type for different property identifications corresponding to the same user. For example, the first item is a property fee item corresponding to property identification B, and the second item is a property fee item corresponding to property identification C, or the first item is a property fee item corresponding to property identification B, and the second item is a gas fee item corresponding to property identification C.

[0069] It can be understood that the property system of this embodiment maintains a payment mapping table for indicating the mapping relationship between payment items, payment contact accounts and corresponding users. Based on the payment mapping table, it is possible to query and determine all payment items associated with the same user in the property, as well as the payment contact accounts corresponding to each payment item. Based on this, it is possible to find the payment contact account (i.e., the second account) other than the first account corresponding to the target user (i.e., the first user) associated with the first item, thereby providing an effective data basis for the subsequent deployment of a payment notification sending method that improves the notification delivery rate.

[0070] Step S30, determining a first credit score level of the first user based on the first user's historical payment records, wherein the historical payment records are used to indicate historical payment records of all payment items associated with the first user in the payment mapping table.

[0071] Specifically, the historical payment records of this embodiment include payment time information (payment time, payment time limit, etc.), overdue status, early payment status, payment item information, payment amount objection feedback, etc.

[0072] Specifically, the method of determining the first credit score level of the first user based on historical payment records in this embodiment may specifically include: setting a basic credit score; periodically obtaining each payment record corresponding to the first user stored in the current property system, and when it is detected that the first user has paid in advance, adding points; when the overdue payment exceeds a preset period of time, deducting points; when the overdue payment exceeds a preset period of time and payment amount objection feedback information is detected, detecting the sending time of the payment amount objection feedback information, when it is detected that the sending time is overdue, deducting points, and when it is detected that the sending time is within the early payment time range, adding points; accumulating the additions and subtractions of all current payment records, combining the basic credit score to obtain the target score, and determining the first credit score level according to the target score and the preset credit score level division range.

[0073] It can be understood that in this embodiment, different second payment notice sending methods correspond to different first credit score levels. For example, for users with low credit score levels, the second payment notice is sent more frequently, and for users with high credit score levels, the second payment notice is sent less frequently. This can improve the collection and delivery rate of the second payment notice while ensuring the user experience of users with high credit score levels.

[0074] Step S40, when the second item reaches the corresponding collection time, a target bill is generated based on the first bill of the first item and the second bill of the second item, and a second payment notice carrying the target bill is sent to the second account based on the first credit score level.

[0075] Specifically, the collection time in this embodiment is the time when the second bill corresponding to the second item is generated.

[0076] Specifically, the target bill of this embodiment includes target details and target amount. The target bill is generated by merging the bill details corresponding to the first bill and the second bill to obtain the target details, and adding the amounts corresponding to the first bill and the second bill to obtain the target amount.

[0077] It can be understood that after determining the second item, this embodiment waits for the second item to reach the corresponding collection time and then sends the second payment notice carrying the target bill to the second account. This can complete the second payment notice of two payment items in one collection, saving the number of times the property system generates and sends the second payment notice, thereby saving system resources.

[0078] Specifically, in some embodiments, the property system is associated with at least a first platform, a second platform, and a third platform, and the first user logs in to the first platform, the second platform, and the third platform through the second account. Figure 1Step S40 of sending a second payment notice carrying a target bill to the second account based on the first credit score level includes but is not limited to the following steps:

[0079] Step S41, when the first credit score level is higher than the preset level condition, a second payment notice is sent to the first platform, and the first time difference and the first operation are determined as the first condition, wherein the first time difference is the time difference between two consecutive sending of the second payment notices, and the first operation is the payment operation of the first user on the first platform;

[0080] Step S42: when the reference time difference does not reach the first time difference and the first operation is not completed, the first condition is updated based on the payment behavior of the first user on the first platform, and the reference time difference is the time difference between the time when the second payment notification was last sent and the current time;

[0081] Step S43, sending a second payment notice to the second platform based on the updated first condition, determining the second time difference and the second operation as the second condition, the second time difference being the time difference between two consecutive sendings of the second payment notice, and the second operation being the payment operation on the first platform or the second platform;

[0082] Step S44: when the reference time difference does not reach the second time difference and the second operation is not completed, updating the second condition based on the payment behavior of the first user on the first platform or the second platform, and sending a second payment notification to the third platform based on the updated second condition;

[0083] Step S45, when it is detected that the first user completes the payment operation corresponding to the second payment notice on any platform, stop sending the second payment notice to the remaining platforms;

[0084] or,

[0085] Step S46: When the first credit score level is lower than the preset level condition, a second payment notice is sent to the first platform, the second platform and the third platform at the same time.

[0086] Specifically, referring to the description of the above embodiment, the collection method is adjusted according to the credit level to improve the delivery rate while improving the user experience of users with good credit.

[0087] Specifically, the first platform, the second platform and the third platform of this embodiment are platforms that can provide property-related payment services to the first user, which can be property APP, mobile communication platform or social software (such as WeChat). The first user can log in to the first platform, the second platform and the third platform through a mobile phone number.

[0088] Specifically, after sending the second payment notice to the first platform, this embodiment triggers the timing of the first condition, and determines whether the timing duration reaches the first time difference, and monitors whether the first user completes the payment operation on the first platform (i.e., whether the first operation is completed) within the timing period, thereby providing an effective judgment basis for determining the timing of sending the second payment notice next time.

[0089] Specifically, the criterion for determining whether the first operation of this embodiment is completed is that the first user enters the payment page on the first platform and completes the payment, and then the corresponding payment record can be sent to the property system through the first platform.

[0090] Specifically, the reference time difference of this embodiment is to trigger the timing of the first condition after sending the second payment notice to the first platform, calculate the time difference between the time when the second payment notice was last sent and the current time, and use it for comparison with the first time difference.

[0091] Specifically, in this embodiment, when the reference time difference does not reach the first time difference and the first operation is not completed, by detecting the payment behavior 1 of the first user on the first platform (for example, the first platform is a property APP, the first user opens the property APP and performs operations unrelated to project payment, or opens the property APP, clicks on the payment page but does not complete the payment operation, etc.), the system default basic first condition 1 is adjusted based on the payment behavior 1 to obtain an updated first condition 2, so as to adjust the timing of sending the second payment notification to the target user for the second time (i.e., sending the second payment notification 2), and determine the sending timing of the second payment notification based on two progressively adjustable conditions, so as to avoid the first user with a high credit score level frequently receiving payment notification reminders when he is paying or has the intention to pay, thereby affecting the user experience.

[0092] Specifically, when the first credit score level is lower than the preset level condition, the second payment notice is simultaneously sent to each platform where the first user logs in with the corresponding second account, so as to improve the delivery rate of the second payment notice.

[0093] It can be understood that after detecting that the target user completes the payment operation corresponding to the second payment notice on any of the first platform, the second platform or the third platform, this embodiment determines the payment status of the corresponding first item and the second item as paid, and stops sending the second payment notice to the remaining platforms, thereby avoiding the first user from receiving the payment notice corresponding to the paid service again after completing the payment operation, thereby avoiding affecting the user experience.

[0094] In addition, after sending the second payment notification to the third platform, when the reference time difference reaches the preset fifth time difference and the target user has not completed the payment operation on the first platform, the second platform or the third platform, repeat steps S41 to S44 until the second project is in a payment overdue status, and deactivate the property-related services corresponding to the first project and the second project.

[0095] Specifically, the step of updating the first condition based on the payment behavior of the first user on the first platform in step S43 includes but is not limited to the following steps:

[0096] Step S431, determining a first operating state of the first platform;

[0097] Step S432, when the first running state represents running, when it is detected that the first user enters the payment page in the first platform and has not completed the payment, extending the first time difference;

[0098] or,

[0099] Step S433, when the first operating state representation is closed, determine the reference payment behavior of the first user on the first platform before the first platform is closed, and update the first condition based on the reference payment behavior.

[0100] Specifically, in the time period when the reference time difference does not reach the first time difference, the operation status of the first platform may be closed or in operation. When the first platform is in operation, this embodiment determines whether the first user has the intention to pay by detecting whether the first user enters the payment page, which can be obtained by obtaining the operation log information corresponding to the first user in the first platform. Whether to enter the payment interface is used as the judgment standard for adjusting the first time difference. In this embodiment, when it is detected that the first user enters the payment page in the first platform and does not submit the payment, the first time difference is extended; when it is not detected that the target enters the payment page, it means that the first user has no intention to pay, and the first condition is not adjusted; when it is detected that the first platform is closed, it is necessary to determine the payment behavior of the first user before the first platform is closed to update the first condition. In this way, in this embodiment, when one of the sub-conditions of the first condition is triggered, but the first condition is not met to start the second payment notification to the second platform, the payment behavior of the first user in various situations on the first platform is monitored to dynamically adjust and update the first condition, so that the timing of sending the second payment notification to the second platform is adjusted with the change of the first condition, so that the reminder of the second payment notification is more in line with the operation habits of the first user, ensuring user experience.

[0101] Specifically, the step of updating the first condition based on the reference payment behavior in step S433 includes but is not limited to the following steps:

[0102] Re-timing the startup time of the first platform as the sending time of the last sending of the second payment notice to determine a third time difference, wherein the third time difference represents the time difference between the startup time and the next sending of the second payment notice;

[0103] When the first reference payment behavior represents that the first user enters the payment page, the third time difference is extended, and the extended third time difference and the first operation are determined as the updated first condition;

[0104] or,

[0105] When the first reference payment behavior represents that the first user has not entered the payment page, the third time difference and the first operation are determined as the updated first condition.

[0106] It can be understood that in order to avoid the first condition and the second condition being satisfied when the first platform is restarted, so that the first user terminal receives multiple second payment notifications at the same time when logging into the first platform, thereby affecting the user experience, this embodiment re-times the startup time of the first platform as the time when the second payment notification was last sent, determines the third time difference, and updates the first condition based on the first reference payment behavior of the user before the first platform is closed and the third time difference. Specifically, when the first reference payment behavior indicates that the first user enters the payment page, the third time difference is extended, and the extended third time difference and the first operation are determined as the updated first condition; alternatively, when the first reference payment behavior indicates that the first user does not enter the payment page, the third time difference and the first operation are determined as the updated first condition, thereby effectively improving the user experience.

[0107] In addition, the process of updating the second condition based on the payment behavior of the first user on the first platform or the second platform also needs to determine the operating status of the first platform and the second platform. When it is in a closed state, it is necessary to determine the reference payment behavior of the first user before closing, so as to update the second condition in combination with the platform operating status and the reference payment behavior to adjust the timing of sending the second payment notice next time, so that the sending of the second payment notice is more in line with the usage habits of the first user and ensure user experience.

[0108] In addition, in some embodiments, when the first credit score level is lower than the preset level condition, the property payment reminder method provided in the embodiment of the present application further includes but is not limited to the following steps:

[0109] Step S51, determining a plurality of third accounts associated with the first project, and determining a plurality of fourth accounts associated with the second project, wherein the payment priority of the third account is lower than that of the first account, the payment priority of the fourth account is lower than that of the second account, and the users corresponding to the third account and the fourth account are different from the first user;

[0110] Step S52, determining each second credit score level based on the historical payment records of the users corresponding to each third account in the business system, and determining each third credit score level based on the historical payment records of the users corresponding to each fourth account in the business system;

[0111] Step S53, based on the preset grade condition and all second credit score grades, determine the first target account from the third account, assign a new payment priority to the first target account, the new payment priority of the first target account being higher than the payment priority of the first account;

[0112] Step S54, based on the preset grade condition and all third credit score grades, determine a second target account from the fourth account, assign a new payment priority to the second target account, the new payment priority of the second target account being higher than the payment priority of the second account;

[0113] Step S55, when the user corresponding to the first target account is the same as the user corresponding to the second target account, sending a second payment notification to the first target account or the second target account;

[0114] Step S56: When the user corresponding to the first target account is different from the user corresponding to the second target account, a second payment notification is sent to the first target account, and a second payment notification is sent to the second target account at the same time.

[0115] Specifically, the user binds the payment contact account to the payment item in advance in the property APP associated with the property system. In this embodiment, one payment item is bound to multiple payment contact accounts, and each payment contact account can correspond to the same user or to different users (corresponding to the case of renting a house, binding the tenant's payment contact account, or the case of a family number), thereby ensuring that the payment item can find the payment object in time and avoiding the deactivation of the service corresponding to the payment item.

[0116] It can be understood that the first item and the second item corresponding to the present embodiment both correspond to the same property identification. When the first credit score level corresponding to the first user is lower than the preset level condition, the credit score levels of the payment objects (i.e., the third account and the fourth account) corresponding to the first item and the second item are determined, and the payment priority of the payment objects corresponding to the first item and the second item are adjusted according to the determined credit score levels. The payment object with a higher credit score level has a higher payment priority. Adjusting the payment priority means adjusting the recipient of the second payment notice. This enables the second payment notice to be sent to the objects corresponding to the first target account and the second target account who are more motivated to respond to the second payment notice and complete the payment, thereby greatly improving the probability of completing the payment operation and improving the notification delivery rate.

[0117] In addition, in some embodiments, after executing step S40, the first platform, the second platform, and the third platform are all configured with weight values, and the property payment reminder method provided in the embodiment of the present application also includes but is not limited to the following steps:

[0118] Step S61, when the first credit score level is higher than the preset level condition, when it is detected that the first user completes the payment operation corresponding to the second payment notification on the second platform or the third platform, the platform corresponding to the completed payment operation is determined as the target platform, and the weight value corresponding to the target platform is increased, and the weight value corresponding to the target platform is higher than the weight values ​​of the remaining platforms;

[0119] Step S62: When the third item associated with the first user reaches the corresponding payment reminder time, a new second payment notification is sent to the target platform, wherein the third item is a payment item that is not overdue.

[0120] Specifically, in this embodiment, the weight values ​​allocated to the first platform, the second platform and the third platform are used to determine the order in which the second payment notice is sent to the three platforms. The higher the weight value, the earlier the sending order.

[0121] It can be understood that, referring to the description of the above embodiment, when the first credit score level is higher than the preset level condition, a multi-platform progressive sending of the second payment notice is used for payment reminder. In the process of performing the multi-platform progressive payment reminder operation, when it is detected that the first user completes the payment operation corresponding to the second payment notice on the second platform or the third platform, the platform corresponding to the completed payment operation is determined as the target platform, indicating that the first user is accustomed to paying on the target platform, although the first user also logs in to other platforms associated with the property system that provide payment service functions. Based on this, this embodiment increases the weight value corresponding to the target platform so that the weight value corresponding to the target platform is higher than the weight values ​​of the remaining platforms. In this way, when the third project associated with the first user reaches the corresponding collection time, a new second payment notice is first sent to the target platform, so as to be more in line with the first user's operating habits, ensure user experience, and obtain a higher probability of completing the payment operation than the probability of completing the payment operation on the remaining platforms.

[0122] like Figure 2 As shown, Figure 2 2 is a structural diagram of a control device provided in an embodiment of the present application. The present invention also provides a control device 200, including:

[0123] The processor 210 may be implemented by a general-purpose central processing unit (CPU), a microprocessor, an 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;

[0124] The memory 220 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 220 can store an operating system and other application programs. 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 220, and the processor 210 calls and executes the property payment reminder method of the embodiment of this application;

[0125] Input / output interface 230, used to implement information input and output;

[0126] Communication interface 240, used to realize communication interaction between the apparatus and other devices, which can be realized by wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.);

[0127] bus 250 , which transmits information between the various components of the device (e.g., processor 210 , memory 220 , input / output interface 230 , and communication interface 240 );

[0128] The processor 210 , the memory 220 , the input / output interface 230 , and the communication interface 240 are connected to each other in communication within the device via the bus 250 .

[0129] In addition, an embodiment of the present application further provides an electronic device, including the control device 200 of the above embodiment.

[0130] In addition, an embodiment of the present application further provides a storage medium, which is a computer-readable storage medium and stores a computer program. When the computer program is executed by a processor, the above-mentioned property payment reminder method is implemented.

[0131] As a non-transient computer-readable storage medium, the memory 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 devices. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof. The device embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and are implemented to be located in one place, or may also be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the present embodiment.

[0132] It will be appreciated by those skilled in the art that all or some of the steps and systems in the disclosed method above may be implemented as software, firmware, hardware and appropriate combinations thereof. Some physical components or all physical components may be implemented as software executed by a processor, such as a central processing unit, a digital signal processor or a microprocessor, or may be implemented as hardware, or may be implemented as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on a computer-readable medium, which may include a computer storage medium (or a non-transitory medium) and a communication medium (or a temporary medium). As known to those skilled in the art, the term computer storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information (such as computer-readable instructions, data structures, program modules or other data). Computer storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, digital versatile disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tapes, disk storage or other magnetic storage devices, or any other medium that may be used to store desired information and may be accessed by a computer. Furthermore, it is well known to those skilled in the art that communication media typically include computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave or other transport mechanism, and may include any information delivery media.

[0133] The above is a specific description of the preferred implementation of the present invention, but the present invention is not limited to the above-mentioned implementation mode. Technical personnel familiar with the field can also make various equivalent deformations or substitutions under the shared conditions without violating the spirit of the present invention. These equivalent deformations or substitutions are all included in the scope defined by the claims of the present invention.

Claims

1. A property payment reminder method, characterized in that: Applied to property systems, including: Determine a first account associated with a first project, and determine a first user corresponding to the first account, wherein the first account is used to indicate a payment contact account bound to the first project, and the first project is an overdue payment project; Sending a preset number of first payment notifications to the first account within a preset time period, and when the first account fails to pay within the preset time period, determining a second item corresponding to the first user based on a preset payment mapping table, and determining a second account associated with the second item, wherein the payment mapping table is used to indicate a mapping relationship between a payment item, a payment contact account number, and a corresponding user, the second item is a payment item that is not overdue, the second account number is used to indicate a payment contact account number bound to the second item, the first account number and the second account number are both bound to the first user, and the first account number and the second account number are different from each other; Determine a first credit score level of the first user based on the historical payment record of the first user, wherein the historical payment record is used to indicate the historical payment record of all payment items associated with the first user in the payment mapping table; When the second item reaches the corresponding collection time, a target bill is generated based on the first bill of the first item and the second bill of the second item, and a second payment notice carrying the target bill is sent to the second account based on the first credit score level.

2. The property payment reminder method according to claim 1, characterized in that: Each payment item in the payment mapping table corresponds to a property identifier, and determining a second item corresponding to the first user based on the preset payment mapping table, and determining a second account associated with the second item, includes: Determining a target property identifier associated with the first user from the payment mapping table; Determine the items other than the first item among the payment items corresponding to the target real estate identifier as candidate items; Determine a user account corresponding to the candidate item, and determine a user identifier corresponding to the user account; Determine an account among the user accounts that corresponds to the first user and is different from the first account as the second account; The candidate item corresponding to the second account is determined as the second item.

3. The property payment reminder method according to claim 1, characterized in that: The property system is associated with at least a first platform, a second platform, and a third platform. The first user logs in to the first platform, the second platform, and the third platform through the second account, and sends a second payment notice carrying the target bill to the second account based on the first credit score level, including: When the first credit score level is higher than the preset level condition, the second payment notice is sent to the first platform, and the first time difference and the first operation are determined as the first condition, wherein the first time difference is the time difference between two consecutive sendings of the second payment notice, and the first operation is the payment operation of the first user on the first platform; When the reference time difference does not reach the first time difference and the first operation is not completed, updating the first condition based on the payment behavior of the first user on the first platform, the reference time difference being the time difference between the time when the second payment notification was last sent and the current time; Sending the second payment notice to the second platform based on the updated first condition, determining a second time difference and a second operation as the second condition, the second time difference being the time difference between two consecutive sendings of the second payment notice, and the second operation being a payment operation on the first platform or the second platform; When the reference time difference does not reach the second time difference and the second operation is not completed, updating the second condition based on the payment behavior of the first user on the first platform or the second platform, and sending the second payment notification to the third platform based on the updated second condition; When it is detected that the first user completes the payment operation corresponding to the second payment notice on any platform, stop sending the second payment notice to the remaining platforms; or, When the first credit score level is lower than a preset level condition, the second payment notice is sent to the first platform, the second platform and the third platform at the same time.

4. The property payment reminder method according to claim 3, characterized in that: Updating the first condition based on the payment behavior of the first user on the first platform includes: Determining a first operating state of the first platform; In the case where the first running state represents running, when it is detected that the first user enters a payment page in the first platform and has not completed payment, extending the first time difference; or, In a case where the first operating status representation is closed, a reference payment behavior of the first user on the first platform before the first platform is closed is determined, and the first condition is updated based on the reference payment behavior.

5. The property payment reminder method according to claim 4, characterized in that: Updating the first condition based on the reference payment behavior includes: Re-timing the startup time of the first platform as the sending time of the second payment notice last sent, and determining a third time difference, wherein the third time difference represents the time difference between the startup time and the next sending of the second payment notice; When the first reference payment behavior represents that the first user enters the payment page, extending the third time difference, and determining the extended third time difference and the first operation as the updated first condition; or, When the first reference payment behavior represents that the first user has not entered the payment page, the third time difference and the first operation are determined as the updated first condition.

6. The property payment reminder method according to claim 2, characterized in that: In the case where the first credit score level is lower than a preset level condition, the method further comprises: Determine multiple third accounts associated with the first project, and determine multiple fourth accounts associated with the second project, wherein the payment priority of the third account is lower than that of the first account, the payment priority of the fourth account is lower than that of the second account, and the users corresponding to the third account and the fourth account are different from the first user; Determine each second credit score level based on the historical payment records of the users corresponding to each third account in the business system, and determine each third credit score level based on the historical payment records of the users corresponding to each fourth account in the business system; Based on the preset grade condition and all the second credit score grades, determining a first target account from the third accounts, and assigning a new payment priority to the first target account, wherein the new payment priority of the first target account is higher than the payment priority of the first account; Based on the preset grade condition and all of the third credit score grades, determining a second target account from the fourth account, assigning a new payment priority to the second target account, the new payment priority of the second target account being higher than the payment priority of the second account; When the user corresponding to the first target account is the same as the user corresponding to the second target account, sending the second payment notification to the first target account or the second target account; When the user corresponding to the first target account is different from the user corresponding to the second target account, the second payment notification is sent to the first target account, and the second payment notification is sent to the second target account at the same time.

7. The property payment reminder method according to claim 3, characterized in that: The first platform, the second platform and the third platform are all configured with weight values. After sending a second payment notice carrying the target bill to the second account based on the first credit score level, the method further includes: In the case where the first credit score level is higher than the preset level condition, when it is detected that the first user completes the payment operation corresponding to the second payment notice on the second platform or the third platform, the platform corresponding to the completed payment operation is determined as the target platform, and the weight value corresponding to the target platform is increased, and the weight value corresponding to the target platform is higher than the weight values ​​of the remaining platforms; When the third item associated with the first user reaches the corresponding collection time, a new second payment notification is sent to the target platform, wherein the third item is a payment item that is not overdue.

8. A control device, characterized in that: It includes at least one control processor and a memory for communicating with the at least one control processor; the memory stores instructions that can be executed by the at least one control processor, and the instructions are executed by the at least one control processor so that the at least one control processor can execute the property payment reminder method as described in any one of claims 1 to 7.

9. An electronic device, characterized in that: Includes the control device as claimed in claim 8.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to enable a computer to execute the property payment reminder method as described in any one of claims 1 to 7.

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