User account management method and system, storage medium and program product

Abstract

The embodiment of the invention provides a user account management method and system, a storage medium and a program product. The method comprises the steps of determining whether a target user opens a financial credit line service or not when it is monitored that a communication account is triggered to arrearage and shut down for the target user; if the target user opens the financial credit line service, a financial line deduction request is sent to a financial credit granting system according to the communication account insufficiency of the target user, and the financial line deduction request is used for requesting to deduct a financial account line corresponding to the communication account insufficiency for a financial account of the target user; and when a deduction success response sent by the financial credit extension system is received, the communication account arrearage of the target user is updated to 0, and the execution of the communication account arrearage shutdown on the target user is canceled, and the deduction success response corresponds to the financial credit line deduction request. According to the method, malicious overdraft risks can be effectively prevented and controlled, and the shutdown probability of the user can be reduced.

Description

Technical Field

[0001] The present application relates to the field of mobile communication service technology, and in particular to a user account management method, system, storage medium and program product. Background Art

[0002] In the field of mobile communication service technology, operators are faced with the challenge of how to effectively manage user account overdrafts to reduce losses. For a long time, in order to prevent some users from suffering greater losses due to malicious overdrafts, operators have mainly reduced losses by reducing user overdraft limits. However, this method has caused serious user downtime problems, which not only affects the user's normal usage experience, but also brings inconvenience to users due to communication interruptions.

[0003] Therefore, providing a user account management solution that can effectively prevent and control malicious overdraft risks and reduce the probability of user downtime has become a technical problem that needs to be urgently solved in the field of mobile communication services. Summary of the invention

[0004] The embodiments of the present application provide an account management method, system, storage medium and program product, which are used to effectively prevent and control the risk of malicious overdraft and reduce the probability of user downtime.

[0005] In a first aspect, an embodiment of the present application provides a user account management method, which is applied to a communication billing system, including:

[0006] When it is detected that the communication account of the target user is suspended due to arrears, it is determined whether the target user has opened a financial credit line service;

[0007] If the target user has activated the financial credit line service, a financial line deduction request is sent to the financial credit system according to the target user's communication account balance, wherein the financial line deduction request is used to request that the target user's financial account be deducted by the financial account balance corresponding to the communication account balance;

[0008] When a successful deduction response is received from the financial credit system, the target user's communication account balance is updated to 0, and the communication account arrears suspension for the target user is canceled, wherein the successful deduction response corresponds to the financial credit limit deduction request.

[0009] In a possible implementation, the financial credit line service is opened in the following manner:

[0010] Receiving a business processing request from a target user, wherein the business processing request includes personal information of the target user;

[0011] According to the target user's business processing request, obtain the target user's network access time;

[0012] Determine the maximum value of the financial credit limit according to the network access time of the target user;

[0013] Send the request information to the financial credit system, where the request information includes the personal information of the target user and the maximum value of the financial credit limit;

[0014] Receive the target financial credit limit sent by the financial credit system, where the target financial credit limit represents the financial credit limit value confirmed by the financial credit system for the phone bill service;

[0015] Obtain the financial credit limit service activation result based on the target financial credit limit and the maximum value of the financial credit limit, and obtain the financial credit limit according to the financial credit limit service activation result, where the financial credit limit represents the finally determined financial credit limit value for the phone bill service.

[0016] In a possible implementation manner, determining the maximum value of the financial credit limit according to the network access time of the target user includes:

[0017] If the network access time of the target user is greater than the first preset threshold, obtain the average monthly consumption value within the preset time, and multiply the average monthly consumption value by the first preset multiple to obtain the maximum value of the financial credit limit;

[0018] If the network access time of the target user is less than the first preset threshold, obtain the network access package fee, and multiply the network access package fee by the second preset multiple to obtain the maximum value of the financial credit limit.

[0019] In a possible implementation manner, obtaining the financial credit limit service activation result based on the target financial credit limit and the maximum value of the financial credit limit, and obtaining the financial credit limit according to the financial credit limit service activation result includes:

[0020] If the target financial credit limit is equal to the maximum value of the financial credit limit, and the financial credit limit service activation result indicates successful activation, use the target financial credit limit as the financial credit limit;

[0021] Obtain the stored financial credit limit in the database to obtain the acquisition result, where the stored financial credit limit represents the original financial credit limit of the target user;

[0022] If the target financial credit limit is less than the maximum value of the financial credit limit, and the acquisition result indicates that the stored financial credit limit in the database cannot be obtained, and the financial credit limit service activation result indicates successful activation, use the target financial credit limit as the financial credit limit;

[0023] If the target financial credit limit is less than the maximum financial credit limit and the acquisition result indicates that the target financial credit limit stored in the database can be successfully acquired, it indicates that the opening of the financial credit limit service fails.

[0024] In a possible implementation manner, if the target user opens the financial credit limit service, a financial limit deduction request is sent to the financial credit system according to the arrears of the target user's communication account, including:

[0025] If the target user opens the financial credit limit service, the payment deadline is determined, and a reminder message is sent to the target user, where the reminder message includes the arrears of the target user's communication account and the payment deadline;

[0026] If the current time reaches the payment deadline, the financial credit limit is greater than the second preset threshold, and the arrears of the target user's communication account are greater than 0, the value corresponding to the arrears of the communication account is deducted from the financial credit limit, and a financial limit deduction request is sent to the financial credit system.

[0027] In a possible implementation manner, the method further includes:

[0028] When receiving the deduction failure response sent by the financial credit system, the arrears of the target user's communication account are sent to the financial credit system, and the communication account of the target user is suspended due to arrears.

[0029] In a second aspect, an embodiment of the present application provides a user account management method, which is applied to a communication charging system and includes:

[0030] Receiving a financial limit deduction request sent by the communication charging system, where the financial limit deduction request is used to request to deduct the financial account limit corresponding to the arrears of the communication account from the financial account of the target user, and the financial limit deduction request is sent when it is monitored that the communication account of the target user is suspended due to arrears;

[0031] Responding to the financial limit deduction request, deducting the financial account limit corresponding to the arrears of the communication account from the financial account of the target user, and sending a deduction success response to the communication charging system, where the deduction success response corresponds to the financial credit limit deduction request, and the communication charging system is used to update the arrears of the target user's communication account to 0 according to the deduction success response and cancel the suspension of the communication account of the target user due to arrears.

[0032] In a possible implementation manner, before receiving the financial limit deduction request sent by the communication charging system, where the financial limit deduction request is used to request to deduct the financial account limit corresponding to the arrears of the communication account from the financial account of the target user, the method includes:

[0033] Receive the request information sent by the communication charging system, where the request information includes the personal information of the target user and the maximum value of the financial credit limit;

[0034] Determine the financial credit label corresponding to the personal information of the target user in the preset database, where the financial credit label at least includes the historical credit record;

[0035] Conduct financial credit for the target user according to the financial credit label to obtain the financial credit result and the initial financial credit limit;

[0036] Confirm the target financial credit limit according to the financial credit result, the initial financial credit limit, and the maximum value of the financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0037] Send the target financial credit limit to the communication charging system to activate the financial credit limit service.

[0038] In a possible implementation manner, confirming the target financial credit limit according to the financial credit result, the initial financial credit limit, and the maximum value of the financial credit limit, and marking the financial account limit corresponding to the target financial credit limit in the financial account of the target user includes:

[0039] If the financial credit result indicates that the credit is approved and the initial financial credit limit is greater than or equal to the maximum value of the financial credit limit, then use the maximum value of the financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0040] If the financial credit result indicates that the credit is approved and the initial financial credit limit is less than the maximum value of the financial credit limit, then use the initial financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0041] If the financial credit result indicates that the credit is not approved, then use the preset value as the target financial credit limit.

[0042] In a possible implementation manner, after using the preset value as the target financial credit limit if the financial credit result indicates that the credit is not approved, the method further includes:

[0043] Count the number of target results, where the target result is the situation where the financial credit result indicates that the credit is not approved;

[0044] If the number of target results is greater than or equal to the third preset threshold, then reject the received request information.

[0045] In a third aspect, an embodiment of the present application provides a user account management system, including an interconnected communication charging system and a financial credit system, where:

[0046] The communication charging system is used to implement the above first aspect and / or various possible implementation manners of the first aspect;

[0047] The financial credit system is used to implement the above second aspect and / or various possible implementation manners of the second aspect.

[0048] In a fourth aspect, an embodiment of the present application provides a user account management device, which is applied to a communication charging system and includes:

[0049] A determination module, configured to determine whether a target user has subscribed to a financial credit limit service when it is detected that the communication account of the target user is overdue and suspended;

[0050] A sending module, configured to, if the target user has subscribed to a financial credit limit service, send a financial limit deduction request to the financial credit system according to the outstanding amount of the target user's communication account, where the financial limit deduction request is used to request a deduction of the financial account limit corresponding to the outstanding amount of the communication account from the financial account of the target user;

[0051] A cancellation module, configured to, when receiving a successful deduction response sent by the financial credit system, update the outstanding amount of the target user's communication account to 0 and cancel the execution of the communication account overdue suspension for the target user, where the successful deduction response corresponds to the financial credit limit deduction request.

[0052] In a fourth aspect, an embodiment of the present application provides a user account management device, which is applied to a financial credit system and includes:

[0053] A statistics module, configured to count the number of times of a target result, where the target result is a situation where the financial credit result indicates that the credit is not approved;

[0054] A rejection module, configured to reject receiving request information if the number of times of the target result is greater than or equal to a third preset threshold.

[0055] In a fifth aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0056] The memory stores computer-executable instructions;

[0057] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementation manners of the first aspect.

[0058] Sixth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored, and when the computer-executable instructions are executed by a processor, they are used to implement the above first aspect and / or various possible implementation manners of the first aspect, the second aspect and / or the second aspect.

[0059] Seventh aspect, an embodiment of the present application provides a computer program product, including a computer program, which when executed by a processor, implements the above first aspect and / or various possible implementation manners of the first aspect, the first aspect and / or the first aspect, the second aspect and / or the second aspect.

[0060] The user account management method, system, storage medium and program product provided by the embodiments of the present application, when the communication charging system detects that the communication account of the target user is in arrears and suspended, determine whether the target user has subscribed to the financial credit limit service; if the target user has subscribed to the financial credit limit service, send a financial limit deduction request to the financial credit system according to the arrears of the target user's communication account, where the financial limit deduction request is used to request to deduct the financial account limit corresponding to the arrears of the communication account from the financial account of the target user; when receiving the deduction success response sent by the financial credit system, update the arrears of the target user's communication account to 0, and cancel the execution of the communication account arrears suspension for the target user, where the deduction success response corresponds to the financial credit limit deduction request. By making the financial credit system deduct the financial account limit corresponding to the arrears of the communication account when detecting that the communication account of the target user is in arrears and suspended, the loss caused by malicious users overdrawing the limit to the operator can be reduced. When receiving the deduction success response sent by the financial credit system, cancel the execution of the communication account arrears suspension for the target user, reducing the inconvenience caused to the user due to communication interruption. At the same time, the financial credit system receives the financial limit deduction request sent by the communication charging system. The financial limit deduction request is used to request to deduct the financial account limit corresponding to the arrears of the communication account from the financial account of the target user, and the financial limit deduction request is sent when detecting that the communication account of the target user is in arrears and suspended; in response to the financial limit deduction request, deduct the financial account limit corresponding to the arrears of the communication account from the financial account of the target user, and send a deduction success response to the communication charging system. The deduction success response corresponds to the financial credit limit deduction request. The communication charging system is used to update the arrears of the target user's communication account to 0 according to the deduction success response, and cancel the execution of the communication account arrears suspension for the target user. Through the linkage of the financial credit system and the communication charging system to manage the user account, it can not only effectively prevent and control the risk of user malicious overdraft, but also reduce the probability of user suspension and improve the user experience. Description of the Drawings

[0061] The accompanying drawings here are incorporated into the specification and form a part of this specification, showing embodiments consistent with this application, and are used together with the specification to explain the principles of this application.

[0062] Figure 1 A user account management method applied to a communication charging system provided for this application;

[0063] Figure 2 A user account management method applied to a financial credit system provided for this application;

[0064] Figure 3 Another user account management method provided for this application;

[0065] Figure 4 A schematic structural diagram of a user account management device applied to a communication charging system provided for this application;

[0066] Figure 5 A schematic structural diagram of a user account management device applied to a financial credit system provided for this application;

[0067] Figure 6 A schematic structural diagram of an electronic device provided for an embodiment of this application.

[0068] Through the above accompanying drawings, specific embodiments of this application have been shown, and there will be more detailed descriptions hereinafter. These drawings and written descriptions are not intended to limit the scope of the concept of this application in any way, but to illustrate the concept of this application to those skilled in the art by referring to specific embodiments. Detailed Description of the Embodiments

[0069] Here, exemplary embodiments will be described in detail, and examples are shown in the accompanying drawings. When the following description refers to the accompanying drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. On the contrary, they are merely examples of devices and methods consistent with some aspects of this application as detailed in the appended claims.

[0070] First, the nouns involved in this application are explained:

[0071] Communication charging system: It refers to the system of an operator for managing users' communication accounts.

[0072] Financial credit system: It refers to the system of a financial institution for managing users' financial accounts.

[0073] Communication account: A communication account generally refers to an account associated with a telecommunications service provider (such as a mobile phone company, an Internet service provider). This account is used to manage the user's communication services, including phone calls, text messages, data traffic, broadband, etc.

[0074] Financial account: A financial account refers to an account used to manage and record the financial transactions and assets of an individual or an institution. It can be provided by a bank, a credit union, an investment company, or other financial institutions. There are various types of financial accounts, and each type of account has its specific functions and uses.

[0075] Currently, on the one hand, through various forms of withholding, the user's payment is locked in advance. Various operators cooperate closely with payment institutions and rely on the way of account interoperability to handle low-balance withholding (starting to withhold when the user's balance reaches a certain threshold), bill withholding (starting to withhold from the monthly consumption bill), etc. modes. Before the user owes a fee, the user's payment amount is locked in advance, and the user's account is managed in advance. On the other hand, users are guided to deposit fees in advance through the form of prepaid phone bills. By increasing the user's account balance, the user's out-of-service and arrears are reduced. However, the business forms are scattered and not unified, the development scale is not large, there is a problem of users repeatedly unsubscribing, and the user acceptance willingness is not strong; second, the business logic is complex, it is difficult to understand the business rules, and the complaint ratio of users for issues such as the withheld amount is relatively high. At the same time, the way of prepaid phone bills cannot really play an actual role for users who maliciously clear arrears, and the effect is relatively limited.

[0076] The embodiment of the present application provides a user account management method, system, storage medium, and program product. When the communication charging system detects that the target user account is out of service due to arrears, if the user enables the financial credit limit service, then the communication charging system can send a financial limit deduction request to the financial credit system, so that the financial credit system can deduct the limit of the financial account, make the arrears of the target user's communication account zero, thereby canceling the out-of-service due to arrears of the target user, ensuring the normal use of the target user's communication account, and reducing the losses brought to the operator by the malicious arrears of the target user.

[0077] The following uses specific embodiments to elaborate in detail on the technical solution of the present application and how the technical solution of the present application solves the above technical problems. These several specific embodiments below can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0078] Figure 1 A user account management method applied to a communication charging system provided by the present application, as Figure 1 shown, this method includes:

[0079] S101. When it is detected that the communication account of the target user is overdue and suspended, determine whether the target user has subscribed to the financial credit limit service.

[0080] The financial credit limit service refers to the sharing of the balance between the financial account and the communication account through the interaction between the communication billing system and the financial credit system when the user's account is suspended. When the user's account is suspended, a financial limit deduction request will be sent through the communication billing system, enabling the financial credit system to deduct the fees in the financial account so that the user can continue to use the services without immediate overdue suspension.

[0081] When it is detected that the communication account of the target user is overdue and suspended, if the target user has subscribed to the financial credit limit service, start the financial credit limit service process and do not immediately suspend the target user. When it is detected that the communication account of the target user is overdue and suspended, if the target user has not subscribed to the financial credit limit service, immediately suspend the target user.

[0082] In the embodiments of the present application, the financial credit limit service is subscribed through the following steps:

[0083] Receive the service application request from the target user, where the service application request includes the personal information of the target user.

[0084] Obtain the network access time of the target user according to the service application request of the target user.

[0085] Determine the maximum financial credit limit according to the network access time of the target user.

[0086] Send the request information to the financial credit system, where the request information includes the personal information of the target user and the maximum financial credit limit.

[0087] Receive the target financial credit limit sent by the financial credit system, where the target financial credit limit represents the financial credit limit value confirmed by the financial credit system for the phone bill service.

[0088] Obtain the result of subscribing to the financial credit limit service according to the target financial credit limit and the maximum financial credit limit, and obtain the financial credit limit according to the result of subscribing to the financial credit limit service, where the financial credit limit represents the finally determined financial credit limit value for the phone bill service.

[0089] The personal information of the target user includes: name, mobile phone number, ID number, front and back pictures of the ID card, etc.

[0090] The service application request is used to subscribe to the financial credit limit service.

[0091] The network access time generally refers to the time when a device or user first connects to the network, that is, the time when the user first connects to the network of an Internet service provider.

[0092] The financial credit limit is used to determine whether to directly suspend the service of the target user when the target user's communication account is in arrears, or to deduct the corresponding financial account amount from the target user's financial account through the financial credit system to cancel the suspension of the target user.

[0093] The front end of the communication billing system promotes this service in the form of h5 (HyperText Markup Language 5) to guide users to handle it. During the process of the user clicking to handle the financial credit limit service, the front end of the h5 page synchronously collects the personal information of the target user and transmits it to the communication billing system. By the network access time of the target user, the historical average consumption value of the target user is determined. Then, according to the historical average consumption value of the target user, the maximum value of the financial credit limit is determined. Then, the request information is sent to the financial credit system, and the target financial credit limit sent by the financial credit system is received. According to the target financial credit limit and the maximum value of the financial credit limit, the opening result of the financial credit service can be determined, and the financial credit limit can be obtained.

[0094] The advantage of this setting is that by combining the historical data of the user (that is, obtaining the network access time of the target user, the credit status of the user can be more accurately evaluated, so as to determine a reasonable maximum value of the financial credit limit) and the evaluation mechanism of the financial system, an efficient, accurate and personalized financial credit service is realized, which has significant technical advantages and application values.

[0095] In the embodiment of the present application, determining the maximum value of the financial credit limit according to the network access time of the target user includes:

[0096] If the network access time of the target user is greater than the first preset threshold, the monthly average consumption value within the preset time is obtained, and the monthly average consumption value is multiplied by the first preset multiple to obtain the maximum value of the financial credit limit;

[0097] If the network access time of the target user is less than the first preset threshold, the network access package fee is obtained, and the network access package fee is multiplied by the second preset multiple to obtain the maximum value of the financial credit limit.

[0098] Among them, the first preset threshold can be any value, such as 3 months, 4 months.

[0099] The second preset threshold can be any value, such as 3, 4. Generally, the first preset threshold and the second preset threshold need to be kept consistent.

[0100] The communication billing system calculates the maximum value (MAX) of the financial credit limit based on the network access time. The value-taking logic of the maximum financial credit limit is as follows: 1) For users whose network access duration of the target user exceeds 3 months or more, take the average consumption value in the past 3 months multiplied by 3, and round up to the nearest hundred, which is the maximum financial credit limit. 2) For users whose network access duration of the target user is less than 3 months, take the network access package value multiplied by 3, and round up to the nearest hundred to obtain the maximum financial credit limit.

[0101] The advantage of this setting is that by combining the user's network access time and consumption data, a flexible, accurate, and risk-controlled calculation of the financial credit limit is achieved, which has significant technical advantages and application values.

[0102] In the embodiment of the present application, based on the target financial credit limit and the maximum value of the financial credit limit, the financial credit limit service opening result is obtained, and based on the financial credit limit service opening result, the financial credit limit is obtained, including:

[0103] If the target financial credit limit is equal to the maximum value of the financial credit limit, and the financial credit limit service opening result indicates a successful opening, then take the target financial credit limit as the financial credit limit;

[0104] Obtain the stored financial credit limit in the database to get the acquisition result, where the stored financial credit limit represents the original financial credit limit of the target user;

[0105] If the target financial credit limit is less than the maximum value of the financial credit limit, and the acquisition result indicates that the stored financial credit limit in the database cannot be obtained, and the financial credit limit service opening result indicates a successful opening, then take the target financial credit limit as the financial credit limit;

[0106] If the target financial credit limit is less than the maximum value of the financial credit limit and the acquisition result indicates that the target financial credit limit stored in the database can be successfully obtained, then the financial credit limit service opening result indicates a failed opening.

[0107] Among them, successfully obtaining the target financial credit limit stored in the database indicates that the user has already opened the financial credit limit service, so the opening will fail.

[0108] The maximum value of the financial credit limit is denoted as MAX. When the operator's billing system receives the returned target financial credit limit from the financial credit system, it determines the final financial credit limit by comparing the target financial credit limit with MAX: 1) When the target financial credit limit is the same as the MAX value given by the operator, the target financial credit limit is used as the financial credit limit; 2) When MAX is less than the target financial credit limit, two cases are considered: one is that the user originally had no financial credit limit (i.e., there was no stored financial credit limit), and the target financial credit limit is used as the financial credit limit; when the user originally had a credit control limit (i.e., there was a stored financial credit limit) and could not obtain a financial credit limit, the signing failed (i.e., the result of the financial credit limit service activation indicates activation failure).

[0109] The advantage of this setting is that this method provides a financial credit limit determination scheme that comprehensively considers user needs, risk control, and system flexibility.

[0110] In the embodiment of this application, if the target user activates the financial credit limit service, a financial limit deduction request is sent to the financial credit system according to the arrears of the target user's communication account, including:

[0111] If the target user activates the financial credit limit service, the payment deadline is determined and a reminder message is sent to the target user, where the reminder message includes the arrears of the target user's communication account and the payment deadline;

[0112] If the current time reaches the payment deadline, the financial credit limit is greater than the second preset threshold, and the arrears of the target user's communication account are greater than 0, the value corresponding to the financial credit limit and the arrears of the communication account is deducted and a financial limit deduction request is sent to the financial credit system.

[0113] Among them, the second preset threshold can be any value, and the best value is 0.

[0114] When the target user subscribes to the financial credit limit service and the communication account of the target user triggers overdue suspension, the financial credit limit service is activated. When the balance of the target user's phone bill is less than or equal to 0 (i.e., the outstanding balance of the user's communication account is greater than 0), it is regarded as the start of enabling the financial credit limit to underpin. If the financial credit limit is greater than 0, a payment deadline is set, and a reminder message is sent to the target user to enable the target user to pay the phone bill. If the target user reaches the reminder deadline at the current time and the outstanding balance of the target user's communication account is still greater than 0, the value corresponding to the financial credit limit and the outstanding balance of the communication account is deducted, and a financial limit deduction request is sent to the financial credit system, so that the financial credit system deducts the financial account limit corresponding to the outstanding balance of the communication account from the financial account of the target user. At the same time, the communication account suspension of the target user is cancelled. At the same time, it can be set that low-balance SMS reminders are sent to the user when the target user's financial credit limit is used at 20%, 40%, and 80% respectively.

[0115] The advantage of such a setting is that: by combining the target user's financial credit limit service, the outstanding balance of the communication account, and the intelligent deduction mechanism, an efficient, automated, and well-risk-controlled overdue management solution is provided.

[0116] In the embodiment of the present application, the method further includes:

[0117] When receiving a deduction failure response sent by the financial credit system, the outstanding balance of the target user's communication account is sent to the financial credit system, and the communication account of the target user is suspended due to overdue payment.

[0118] Among them, in another embodiment, by setting a priority judgment for the financial credit limit, if the financial credit limit is less than a second preset threshold (for example: 0), it indicates that the communication account of the target user has multiple overdue payments and overdue non-payment situations, and the risk of malicious overdue payment is high. Therefore, the outstanding balance of the communication account can be directly sent to the financial credit system, and the communication account of the target user is suspended due to overdue payment.

[0119] When a deduction failure response is sent by the financial credit system, it indicates that the target user has multiple confirmed overdue payment situations. Therefore, the financial credit limit cannot be used to underpin, and the target user needs to be suspended due to overdue payment. At the same time, the outstanding balance of the target user's communication account is sent to the financial credit system to recover the outstanding balance of the target user's communication account through the financial credit system.

[0120] The advantage of such a setting is that: by timely feedback of overdue payment information and implementation of suspension measures, an effective overdue management and risk control solution is provided, ensuring that the communication service provider and the financial credit system can better coordinate and manage the overdue payment problems of users.

[0121] S102. If the target user subscribes to the financial credit limit service, send a financial limit deduction request to the financial credit system according to the arrears of the target user's communication account. The financial limit deduction request is used to request the deduction of the financial account limit corresponding to the arrears of the communication account from the target user's financial account.

[0122] S103. When receiving the deduction success response sent by the financial credit system, update the arrears of the target user's communication account to 0, and cancel the communication account overdue suspension for the target user. The deduction success response corresponds to the financial credit limit deduction request.

[0123] Among them, when receiving the deduction failure response sent by the financial credit system, it is necessary to suspend the communication account of the target user.

[0124] The embodiments of the present application provide a user account management method, system, storage medium and program product applied to a communication charging system. When the communication charging system detects that the target user's account is overdue and suspended, if the user enables the financial credit limit service, the communication charging system can send a financial limit deduction request to the financial credit system, so that the financial credit system can deduct the limit of the financial account, making the arrears of the target user's communication account zero, thereby canceling the overdue suspension of the target user, ensuring the normal use of the target user's communication account, and reducing the losses caused to the operator by the malicious arrears of the target user.

[0125] Figure 2 A user account management method applied to a communication charging system provided by the present application is as Figure 2 shown. The method includes:

[0126] S201. Receive the financial limit deduction request sent by the communication charging system. The financial limit deduction request is used to request the deduction of the financial account limit corresponding to the arrears of the communication account from the target user's financial account. The financial limit deduction request is sent when it is detected that the communication account of the target user is overdue and suspended.

[0127] Among them, when it is detected that the communication account of the target user is overdue and suspended and the payment is not made within the payment deadline, the communication charging system sends a financial limit deduction request to the financial credit system, so that the financial credit system deducts the financial account limit corresponding to the arrears of the communication account from the target user's financial account.

[0128] In the embodiments of the present application, before receiving the financial limit deduction request sent by the communication charging system, the method includes:

[0129] Receive the request information sent by the communication charging system, where the request information includes the personal information of the target user and the maximum financial credit limit;

[0130] Determine the financial credit label in the preset database that has a corresponding relationship with the personal information of the target user, where the financial credit label at least includes historical credit records;

[0131] Based on the financial credit label, conduct financial credit for the target user to obtain the financial credit result and the initial financial credit limit;

[0132] Based on the financial credit result, the initial financial credit limit, and the maximum financial credit limit, confirm the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0133] Send the target financial credit limit to the communication charging system to activate the financial credit limit service.

[0134] Among them, the initial financial credit limit represents the financial credit limit given by the financial credit system for communication expenses.

[0135] The financial credit label represents some historical information labels stored in the financial credit system, such as historical credit records, etc.

[0136] The financial credit system determines the historical information label in the financial credit system that has a corresponding relationship with the target user information according to the received request information. Based on the historical information label, conduct financial credit for the target user. After the credit is completed, determine this limit (i.e., the target financial credit limit), and mark this limit separately, indicating that this limit is a financial credit exclusive limit. Some users cannot obtain the financial credit special limit due to credit problems (i.e., the initial financial credit limit). For the target users whose financial credit results pass, based on the financial credit result, the initial financial credit limit, and the maximum financial credit limit, mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user, and then send the target financial credit limit to the communication charging system to activate the financial credit limit service for the target user.

[0137] The advantage of this setting is that: by combining user information, historical data, and an automated process, this method provides an efficient, accurate, and secure financial credit management solution, ensuring a win-win situation for both users and financial institutions.

[0138] In the embodiment of the present application, based on the financial credit result, the initial financial credit limit, and the maximum financial credit limit, confirming the target financial credit limit, and marking the financial account limit corresponding to the target financial credit limit in the financial account of the target user includes:

[0139] If the financial credit result indicates that the credit is approved and the initial financial credit limit is greater than or equal to the maximum financial credit limit, then take the maximum financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0140] If the financial credit result indicates that the credit is approved and the initial financial credit limit is less than the maximum financial credit limit, then take the initial financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0141] If the financial credit result indicates that the credit is not approved, then take the preset value as the target financial credit limit.

[0142] Among them, the financial credit result not being approved indicates that some users cannot obtain the special financial credit limit (i.e., the target financial credit limit) due to credit problems.

[0143] The preset value can be any value, and generally it is 0.

[0144] When the initial financial credit limit is greater than or equal to the MAX value, then take MAX as the target financial credit limit, and then directly return the MAX value to the communication charging system. When the financial credit limit is less than the MAX value, then take the initial financial credit limit as the target financial credit limit and directly return the initial financial credit limit to the communication charging system. When the credit is not approved, return the value 0 to the communication charging system.

[0145] The advantage of such a setting is that: through flexible rules and conditions, this method provides an efficient, accurate and secure financial credit limit management solution, ensuring a win-win situation for both users and financial institutions.

[0146] In the embodiment of the present application, if the financial credit result indicates that the credit is not approved, after taking the preset value as the target financial credit limit, the method further includes:

[0147] Count the number of times of the target result, where the target result is the situation where the financial credit result indicates that the credit is not approved;

[0148] If the number of times of the target result is greater than or equal to the third preset threshold, then reject the received request information.

[0149] Among them, the third preset threshold can be any positive integer, such as 2 times, 3 times.

[0150] When the number of times of the situation where the financial credit result indicates that the credit is not approved exceeds 2 times, the financial credit system directly rejects the received request information.

[0151] The advantage of such a setting is that by monitoring and restricting the situation of failed credit granting, an effective resource management and risk control solution is provided, ensuring that the system can promote users' positive behaviors and credit improvement while protecting its own interests.

[0152] S202. In response to the financial quota deduction request, deduct the financial account quota corresponding to the arrears of the communication account from the financial account of the target user, and send a successful deduction response to the communication charging system. The successful deduction response corresponds to the financial credit quota deduction request. The communication charging system is used to update the arrears of the communication account of the target user to 0 according to the successful deduction response and cancel the suspension of the communication account due to arrears for the target user.

[0153] The user account management method applied to the financial credit granting system provided by the embodiments of the present application, after receiving the financial quota deduction request sent by the communication charging system through the financial credit granting system, deducts the financial account quota corresponding to the arrears of the communication account from the financial account of the target user, so that after the deduction is successful, the suspension of the communication account of the target user is cancelled, thereby being able to reduce the losses of the operator caused by users' malicious arrears, and at the same time reduce the number of suspensions for users, thus reducing the suspension of users.

[0154] Figure 3 Another user account management method provided for this application is as Figure 3 shown, and this method includes:

[0155] The user applies to open the financial credit quota service.

[0156] Among them, the method for the user to apply to open the financial credit quota service is:

[0157] The front end promotes this service in the form of h5 to guide users to handle it. During the process of the user clicking to handle, the front end of the h5 page synchronously collects the personal information of the handling personnel and transmits the value to the communication charging system. Among them, the personal information includes: name, mobile phone number, ID number, front and back pictures of the ID card, and transmits the relevant information to the communication charging system.

[0158] The communication charging system calculates the maximum value MAX of the financial credit quota according to the personal information, and transmits the MAX value and the personal information to the financial credit granting system.

[0159] Among them, the value-taking logic of the credit quota maximum value MAX is: 1) For users whose network access duration exceeds 3 months or more, take the average consumption value in the recent 3 months multiplied by 3, and round up to the nearest hundred as the user's credit quota value; 2) For users whose network access duration is less than 3 months, take the network access package value multiplied by 3 and round up to the nearest hundred as the user's credit quota value.

[0160] The financial credit system grants financial credit to users in real time based on personal information, user facial liveness information, and the financial system's own financial credit tags that are associated with personal information.

[0161] Among them, after the financial credit system obtains personal information, it further collects the user's facial liveness information. At the same time, the financial credit system grants financial credit to the user in real time based on the personal information, the user's facial liveness information and the financial system's own financial credit tags that are associated with the personal information. After the credit is completed, the credit limit is separately marked to indicate that the credit limit is a special financial credit limit. Some users cannot obtain a special financial credit limit due to credit problems. If the user's application fails after two attempts (that is, obtaining a special financial credit limit), the user will be directly rejected.

[0162] The financial credit system outputs the target financial credit special quota to the communication billing system.

[0163] The target financial credit special quota confirmation method is: when the financial credit special quota is greater than or equal to the MAX value, directly return the MAX value to the communication billing system (the target financial credit special quota is the MAX value at this time). When the financial credit limit is less than the MAX value, directly return the financial credit special quota (the target financial credit special quota is the MAX value financial credit special quota at this time). When the credit is not passed, the return value is 0 (the target financial credit special quota is 0 at this time).

[0164] When the communication billing system receives the target financial credit special quota, it redetermines the financial credit quota granted to the user.

[0165] Among them, 1) when the target financial credit special limit returned by the financial credit is the same as the MAX value, the communication billing system uses the target financial credit special limit as the financial credit limit; 2) when the target financial credit special limit given by the financial credit system is less than the credit control limit recommended by the credit control system, two situations are considered: one is that the user originally had no record of financial credit limit, then the target financial credit special limit is used as the financial credit limit; when the user originally had a record of financial credit limit, the contract signing fails.

[0166] The communication billing system regularly reminds users of overdrafts and initiates payment reminders when users trigger arrears shutdown.

[0167] Among them, the communication charging system regularly reminds users of overdrafts. When a user triggers overdue suspension and the method of starting the phone bill collection is as follows: after the user signs the contract, when the user's phone bill balance is 0, it is regarded as starting to enable the financial credit limit to underpin. Low balance SMS reminders are sent to the user at three cycles of using 20%, 40%, and 80% of the financial credit limit respectively. After collection, after the user actively pays through the operator's payment system, the communication charging system determines the balance after payment. When the user's balance is automatically adjusted to a positive value, no more overdue reminders are made until the user's balance is consumed to a negative value and then reminders start again; when the balance after the user pays is still negative, the user is continued to be collected.

[0168] When the financial credit limit is 0 and the user still has overdue fees, the user is suspended. The communication charging system of the operator transmits the user information and amount to be paid on behalf to the financial credit system of the financial institution. The financial system settles the user's overdue fees with the operator, and a formal loan is formed.

[0169] The financial credit system collects from the user and reports to the credit investigation if the recovery fails.

[0170] Another user account management method provided by the embodiments of the present application reduces the frequency of user suspension by setting a financial credit limit and enabling the intercommunication of account information between the financial credit system and the communication charging system. The communication overdue fees are transferred to a financial loan in the form of a financial credit limit underpin. If the user's phone bill is overspent or the historical overdue fees are not paid for a long time, the charging system directly deducts the amount from the user's financial account, forming a financial loan relationship. Thereby reducing malicious overdue fees and the losses brought to the operator.

[0171] Figure 4 As shown in the structural schematic diagram of the user account management device applied to the communication charging system provided by the present application, Figure 4 As shown, the user account management device 40 applied to the communication charging system provided in this embodiment includes:

[0172] A determination module 401, configured to determine whether the target user has opened a financial credit limit service when it is detected that the communication account of the target user is overdue and suspended;

[0173] A sending module 402, configured to, if the target user has opened a financial credit limit service, send a financial limit deduction request to the financial credit system according to the communication account arrears of the target user, where the financial limit deduction request is used to request the deduction of the financial account limit corresponding to the communication account arrears from the financial account of the target user;

[0174] The cancellation module 403 is used to update the balance of the communication account of the target user to 0 when receiving a successful deduction response sent by the financial credit system, and cancel the suspension of the communication account due to overdue charges for the target user, where the successful deduction response corresponds to the financial credit limit deduction request.

[0175] In a possible implementation, the determination module 401 can be used to:

[0176] Receive a service handling request of the target user, where the service handling request includes the personal information of the target user;

[0177] Obtain the network access time of the target user according to the service handling request of the target user;

[0178] Determine the maximum value of the financial credit limit according to the network access time of the target user;

[0179] Send the request information to the financial credit system, where the request information includes the personal information of the target user and the maximum value of the financial credit limit;

[0180] Receive the target financial credit limit sent by the financial credit system, where the target financial credit limit represents the value of the financial credit limit for the phone bill service confirmed by the financial credit system;

[0181] Obtain the financial credit limit service activation result according to the target financial credit limit and the maximum value of the financial credit limit, and obtain the financial credit limit according to the financial credit limit service activation result, where the financial credit limit represents the finally determined value of the financial credit limit for the phone bill service.

[0182] In a possible implementation, the determination module 401 can also be used to:

[0183] If the network access time of the target user is greater than the first preset threshold, obtain the average monthly consumption value within the preset time, and multiply the average monthly consumption value by the first preset multiple to obtain the maximum value of the financial credit limit;

[0184] If the network access time of the target user is less than the first preset threshold, obtain the network access package fee, and multiply the network access package fee by the second preset multiple to obtain the maximum value of the financial credit limit.

[0185] In a possible implementation, the determination module 401 can also be used to:

[0186] If the target financial credit limit is equal to the maximum value of the financial credit limit, and the financial credit limit service activation result indicates successful activation, then use the target financial credit limit as the financial credit limit;

[0187] Obtain the stored financial credit limit in the database to obtain an acquisition result, where the stored financial credit limit represents the original financial credit limit of the target user;

[0188] If the target financial credit limit is less than the maximum financial credit limit, and the acquisition result indicates that the stored financial credit limit in the database cannot be obtained, and the financial credit limit service activation result indicates successful activation, then use the target financial credit limit as the financial credit limit;

[0189] If the target financial credit limit is less than the maximum financial credit limit and the acquisition result indicates that the target financial credit limit stored in the database can be successfully obtained, then the financial credit limit service activation result indicates failed activation.

[0190] In a possible implementation manner, the determination module 401 can also be used for:

[0191] If the target user activates the financial credit limit service, determine the payment deadline and send a reminder message to the target user, where the reminder message includes the balance of the target user's communication account and the payment deadline;

[0192] If the current time reaches the payment deadline, the financial credit limit is greater than the second preset threshold, and the balance of the target user's communication account is greater than 0, then deduct the value corresponding to the balance of the communication account from the financial credit limit and send a financial limit deduction request to the financial credit system.

[0193] In a possible implementation manner, the cancellation module 403 can be used for:

[0194] When receiving a deduction failure response sent by the financial credit system, send the balance of the target user's communication account to the financial credit system and perform communication account overdue suspension on the target user.

[0195] The user account management device applied to the communication charging system provided in this embodiment can execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, which will not be elaborated here in this embodiment.

[0196] Figure 5 It is a schematic structural diagram of the user account management device applied to the financial credit system provided in this application. As Figure 5 shown, the user account management device 50 applied to the communication charging system provided in this embodiment includes:

[0197] A determination module 501, configured to determine whether the target user activates the financial credit limit service when detecting that communication account overdue suspension is triggered for the target user;

[0198] A sending module 502, which is configured to, if a target user subscribes to a financial credit limit service, send a financial limit deduction request to a financial credit granting system according to the balance owed by the communication account of the target user, where the financial limit deduction request is used to request a deduction of a financial account limit corresponding to the balance owed by the communication account from the financial account of the target user;

[0199] A cancellation module 503, which is configured to, when receiving a successful deduction response sent by the financial credit granting system, update the balance owed by the communication account of the target user to 0 and cancel the communication account overdue suspension for the target user, where the successful deduction response corresponds to the financial credit limit deduction request.

[0200] In a possible implementation, the determination module 501 may be configured to:

[0201] Receive request information sent by a communication charging system, where the request information includes personal information of the target user and the maximum financial credit limit;

[0202] Determine a financial credit granting label in a preset database that has a corresponding relationship with the personal information of the target user, where the financial credit granting label at least includes historical credit records;

[0203] Perform financial credit granting on the target user according to the financial credit granting label to obtain a financial credit granting result and an initial financial credit limit;

[0204] Confirm the target financial credit limit according to the financial credit granting result, the initial financial credit limit, and the maximum financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0205] Send the target financial credit limit to the communication charging system to subscribe to the financial credit limit service.

[0206] In a possible implementation, the determination module 501 may also be configured to:

[0207] If the financial credit granting result indicates that the credit is approved and the initial financial credit limit is greater than or equal to the maximum financial credit limit, then use the maximum financial credit limit as the target financial credit limit and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0208] If the financial credit granting result indicates that the credit is approved and the initial financial credit limit is less than the maximum financial credit limit, then use the initial financial credit limit as the target financial credit limit and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user;

[0209] If the financial credit granting result indicates that the credit is not approved, then use a preset value as the target financial credit limit.

[0210] In a possible implementation, the determination module 501 can also be used for:

[0211] Count the number of times of the target result, where the target result is the situation where the financial credit result indicates that the credit is not approved;

[0212] If the number of times of the target result is greater than or equal to the third preset threshold, reject the received request information.

[0213] The user account management device applied to the communication charging system provided in this embodiment can execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, which will not be elaborated here in this embodiment.

[0214] Figure 6 It is a schematic structural diagram of an electronic device provided for an embodiment of the present application. As Figure 6 shown, the electronic device 60 provided in this embodiment includes: at least one processor 601 and a memory 602. Optionally, the device 60 further includes a communication component 603. Among them, the processor 601, the memory 602, and the communication component 603 are connected through a bus 604.

[0215] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the above method.

[0216] For the specific implementation process of the processor 601, reference can be made to the above method embodiment, and its implementation principle and technical effect are similar, which will not be elaborated here in this embodiment.

[0217] In the above embodiment, it should be understood that the processor can be a central processing unit (English: Central Processing Unit, abbreviated as: CPU), and can also be other general-purpose processors, digital signal processors (English: Digital Signal Processor, abbreviated as: DSP), application specific integrated circuits (English: Application Specific Integrated Circuit, abbreviated as: ASIC), etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in combination with the invention can be directly embodied as being executed by a hardware processor, or executed by a combination of hardware and software modules in the processor.

[0218] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0219] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For the sake of convenience of representation, the buses in the drawings of this application are not limited to only one bus or one type of bus.

[0220] This application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0221] This application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When the processor executes the computer-executable instructions, the above method is implemented.

[0222] The above-readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as a static random access memory (SRAM), an electrically erasable programmable read-only memory (EEPROM), an erasable programmable read-only memory (EPROM), a programmable read-only memory (PROM), a read-only memory (ROM), a magnetic memory, a flash memory, a magnetic disk or an optical disk. The readable storage medium can be any available medium accessible by a general-purpose or special-purpose computer.

[0223] An exemplary readable storage medium is coupled to the processor, so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an Application Specific Integrated Circuit (ASIC). Of course, the processor and the readable storage medium can also exist as discrete components in a device.

[0224] The division of units is only a logical function division. In actual implementation, there can be other division methods. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed coupling or direct coupling or communication connection to each other can be through some interfaces. The indirect coupling or communication connection of devices or units can be in an electrical, mechanical or other form.

[0225] The unit described as a separating component may or may not be physically separated. The component shown as a unit may or may not be a physical unit, that is, it may be located in one place or distributed over multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0226] In addition, in each embodiment of the present invention, each functional unit may be integrated in a processing unit, or each unit may exist physically alone, or two or more units may be integrated in one unit.

[0227] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or part of this technical solution can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods in each embodiment of the present invention. The foregoing storage medium includes: various media such as USB flash drives, mobile hard disks, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), magnetic disks, or optical discs that can store program codes.

[0228] Those of ordinary skill in the art can understand that all or part of the steps of implementing the above method embodiments can be completed by hardware related to program instructions. The foregoing program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps including the above method embodiments; and the foregoing storage medium includes: various media such as ROM, RAM, magnetic disks, or optical discs that can store program codes.

[0229] Finally, it should be noted that: After considering the specification and practicing the invention disclosed herein, those skilled in the art will easily think of other implementation schemes of the present invention. The present invention aims to cover any variations, uses, or adaptive changes of the present invention. These variations, uses, or adaptive changes follow the general principles of the present invention and include common general knowledge or conventional technical means in the technical field not disclosed in the present invention. It is not limited to the precise structures already described and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present invention is only limited by the appended claims.

Claims

1. A user account management method, characterized in that, Applied to a communication charging system, including: When it is detected that the communication account of the target user is overdue and suspended, determine whether the target user has subscribed to the financial credit limit service; If the target user has subscribed to the financial credit limit service, send a financial limit deduction request to the financial credit granting system according to the arrears of the target user's communication account, where the financial limit deduction request is used to request the deduction of the financial account limit corresponding to the arrears of the communication account from the financial account of the target user; When receiving the deduction success response sent by the financial credit granting system, update the arrears of the target user's communication account to 0, and cancel the suspension of the target user's communication account due to arrears, where the deduction success response corresponds to the financial credit limit deduction request.

2. The user account management method according to claim 1, characterized in that, The financial credit limit service is subscribed through the following method: Receive the service application request of the target user, where the service application request includes the personal information of the target user; According to the service application request of the target user, obtain the network access time of the target user; Determine the maximum value of the financial credit limit according to the network access time of the target user; Send the request information to the financial credit granting system, where the request information includes the personal information of the target user and the maximum value of the financial credit limit; Receive the target financial credit limit sent by the financial credit granting system, where the target financial credit limit represents the financial credit limit value confirmed by the financial credit granting system for the phone bill service; According to the target financial credit limit and the maximum value of the financial credit limit, obtain the subscription result of the financial credit limit service, and according to the subscription result of the financial credit limit service, obtain the financial credit limit, where the financial credit limit represents the finally determined financial credit limit value for the phone bill service.

3. The method according to claim 2, characterized in that, The determination of the maximum value of the financial credit limit according to the network access time of the target user includes: If the network access time of the target user is greater than the first preset threshold, obtain the average monthly consumption value within the preset time, and multiply the average monthly consumption value by the first preset multiple to obtain the maximum value of the financial credit limit; If the network access time of the target user is less than the first preset threshold, obtain the network access package fee, and multiply the network access package fee by the second preset multiple to obtain the maximum value of the financial credit limit.

4. The method according to claim 2, wherein The obtaining of the subscription result of the financial credit limit service according to the target financial credit limit and the maximum value of the financial credit limit, and the obtaining of the financial credit limit according to the subscription result of the financial credit limit service include: If the target financial credit limit is equal to the maximum value of the financial credit limit, and the subscription result of the financial credit limit service indicates successful subscription, use the target financial credit limit as the financial credit limit; Obtain the stored financial credit limit in the database to obtain the obtaining result, where the stored financial credit limit represents the original financial credit limit of the target user; If the target financial credit limit is less than the maximum financial credit limit, and the acquisition result indicates that the stored financial credit limit in the database cannot be obtained, and the financial credit limit service activation result indicates successful activation, then use the target financial credit limit as the financial credit limit; If the target financial credit limit is less than the maximum financial credit limit and the acquisition result indicates that the target financial credit limit stored in the database can be successfully obtained, then the financial credit limit service activation result indicates failed activation.

5. The method according to claim 2, wherein If the target user activates the financial credit limit service, then send a financial limit deduction request to the financial credit system according to the communication account balance owed by the target user, including: If the target user activates the financial credit limit service, then determine the payment deadline and send a reminder message to the target user, where the reminder message includes the communication account balance owed by the target user and the payment deadline; If the current time reaches the payment deadline, the financial credit limit is greater than a second preset threshold, and the communication account balance owed by the target user is greater than 0, then deduct the value corresponding to the communication account balance from the financial credit limit and send a financial limit deduction request to the financial credit system.

6. The method according to claim 1, characterized in that The method further includes: When receiving a deduction failure response sent by the financial credit system, send the communication account balance owed by the target user to the financial credit system and perform communication account overdue suspension on the target user.

7. A user account management method, characterized in that, Applied to a financial credit system, including: Receive a financial limit deduction request sent by a communication charging system, where the financial limit deduction request is used to request a deduction of the financial account amount corresponding to the communication account balance from the financial account of the target user, and the financial limit deduction request is sent when it is detected that communication account overdue suspension is triggered for the target user; Respond to the financial limit deduction request, deduct the financial account amount corresponding to the communication account balance from the financial account of the target user, and send a deduction success response to the communication charging system, where the deduction success response corresponds to the financial credit limit deduction request, and the communication charging system is used to update the communication account balance owed by the target user to 0 according to the deduction success response and cancel the communication account overdue suspension for the target user.

8. The method according to claim 7, wherein Before receiving the financial limit deduction request sent by the communication charging system, where the financial limit deduction request is used to request a deduction of the financial account amount corresponding to the communication account balance from the financial account of the target user, the method includes: Receive the request information sent by the communication charging system, where the request information includes the personal information of the target user and the maximum financial credit limit; Determine the financial credit label in the preset database that has a corresponding relationship with the personal information of the target user, where the financial credit label at least includes historical credit records; According to the financial credit label, perform financial credit granting on the target user to obtain a financial credit granting result and an initial financial credit limit; Based on the financial credit result, the initial financial credit limit, and the maximum financial credit limit, confirm the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user; Send the target financial credit limit to the communication charging system to activate the financial credit limit service.

9. The method according to claim 8, characterized in that The step of based on the financial credit result, the initial financial credit limit, and the maximum financial credit limit, confirm the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user, includes: If the financial credit result indicates that the credit is approved and the initial financial credit limit is greater than or equal to the maximum financial credit limit, then use the maximum financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user; If the financial credit result indicates that the credit is approved and the initial financial credit limit is less than the maximum financial credit limit, then use the initial financial credit limit as the target financial credit limit, and mark the financial account limit corresponding to the target financial credit limit in the financial account of the target user; If the financial credit result indicates that the credit is not approved, then use a preset value as the target financial credit limit.

10. The method according to claim 8 or 9, characterized in that After the step of if the financial credit result indicates that the credit is not approved, then use a preset value as the target financial credit limit, the method further includes: Count the number of target results, where the target result is the situation where the financial credit result indicates that the credit is not approved; If the number of target results is greater than or equal to a third preset threshold, then reject the received request information.

11. A user account management system, characterized in that, Includes an interconnected communication charging system and a financial credit system, where: The communication charging system is configured to execute the user account management method according to any one of claims 1 to 6; The financial credit system is configured to execute the user account management method according to any one of claims 7 to 10.

12. An electronic device, characterized in that, Includes: A memory, a processor; The memory stores computer execution instructions; The processor executes the computer execution instructions stored in the memory, so that when the processor executes, it implements the method according to any one of claims 1-7 and / or the method according to any one of claims 8-10.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer execution instructions, and when the computer execution instructions are executed by the processor, they are used to implement the method according to any one of claims 1-7 and / or the method according to any one of claims 8-10.

14. A computer program product, characterized in that. Includes a computer program, and when the computer program is executed, it implements the method according to any one of claims 1-7 and / or 8-10.

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