Resource repayment method and device, electronic equipment, storage medium and product

Abstract

The invention relates to a resource repayment method and device, electronic equipment, a storage medium and a product, and relates to the technical field of computers. The resource repayment method comprises the following steps: in response to user authorization, determining one or more first resource pre-expenditure accounts in one or more resource pre-expenditure accounts of a user; according to the historical resource repayment data, the current resource repayment amount and the predetermined repayment time of each first resource pre-payment account, determining a first repayment time range of each first resource pre-payment account; according to the first repayment time range of each first resource pre-payment account and the resource accumulation information of the user, determining target repayment time of each first resource pre-payment account; generating a prompt message according to the current resource repayment amount of each first resource pre-payment account, the target repayment time and the data of the user; displaying the prompt message and a control associated with the prompt message on an interface; and in response to the user triggering control, executing resource repayment of the current resource repayment amount of each first resource pre-payment account.

Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and in particular to a resource repayment method, apparatus, electronic device, storage medium, and product. Background Technology

[0002] Users can advance resources through their resource advance account and use those resources for items trading, but they need to repay the advanced resources within a certain period of time. Summary of the Invention

[0003] According to some embodiments of this disclosure, a resource repayment method is provided, comprising: in response to user authorization, determining one or more first resource prepayment accounts from one or more resource prepayment accounts of the user, wherein the resource repayment amount generation time of the first resource prepayment account is currently determined; determining a first repayment time range for each first resource prepayment account based on historical resource repayment data, current resource repayment amount, and predetermined repayment time of each first resource prepayment account; determining a target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information; generating a prompt message based on the current resource repayment amount, target repayment time, and user data of each first resource prepayment account; displaying the prompt message and a control associated with the prompt message on an interface; and, in response to the user triggering the control, performing resource repayment on the current resource repayment amount of each first resource prepayment account.

[0004] According to some other embodiments of this disclosure, a resource repayment device is provided, comprising: a first determining module configured to, in response to user authorization, determine one or more first resource prepayment accounts among one or more resource prepayment accounts of a user, wherein the resource repayment amount generation time of the first resource prepayment account is currently determined; a second determining module configured to, based on historical resource repayment data, current resource repayment amount, and predetermined repayment time of each first resource prepayment account, determine a first repayment time range for each first resource prepayment account; a third determining module configured to, based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information, determine a target repayment time for each first resource prepayment account; a generating module configured to, based on the current resource repayment amount, target repayment time, and user data of each first resource prepayment account, generate a prompt message; a display module configured to, on an interface, display the prompt message and controls associated with the prompt message; and an execution module configured to, in response to user triggering of the controls, execute resource repayment of the current resource repayment amount for each first resource prepayment account.

[0005] According to some embodiments of the present disclosure, an electronic device is provided, including: a memory; and a processor coupled to the memory, the processor being configured to perform the methods of any of the embodiments described in the present disclosure based on instructions stored in the memory.

[0006] According to some embodiments of the present disclosure, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, performs the methods of any of the embodiments described in the present disclosure.

[0007] According to some embodiments of the present disclosure, a computer program product is provided that, when run on a computer, causes the computer to implement the methods of any of the embodiments described in the present disclosure.

[0008] Other features, aspects, and advantages of this disclosure will become clear from the following detailed description of exemplary embodiments with reference to the accompanying drawings. Attached Figure Description

[0009] Embodiments of this disclosure are described below with reference to the accompanying drawings. It should be understood that the drawings described below are merely illustrative of some embodiments of this disclosure and are not intended to limit the scope of this disclosure. In the drawings:

[0010] Figure 1 A schematic flowchart of a resource repayment method according to some embodiments of the present disclosure is shown.

[0011] Figure 2 A schematic flowchart of a resource repayment method according to other embodiments of the present disclosure is shown.

[0012] Figure 3 A schematic flowchart of a resource repayment method according to other embodiments of the present disclosure is shown.

[0013] Figure 4 A flowchart illustrating the generation of prompt messages according to some embodiments of the present disclosure is shown.

[0014] Figure 5 A flowchart illustrating how prompt messages are displayed according to some embodiments of the present disclosure is shown.

[0015] Figure 6 A schematic diagram of the structure of a resource repayment apparatus according to some embodiments of the present disclosure is shown.

[0016] Figure 7 A block diagram of an electronic device according to some embodiments of the present disclosure is shown.

[0017] Figure 8 Block diagrams of electronic devices according to other embodiments of the present disclosure are shown. Detailed Implementation

[0018] The technical solutions of the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings. It should be understood that this disclosure can be implemented in various forms and should not be construed as limited to the embodiments set forth herein.

[0019] It should be understood that the steps described in the method embodiments of this disclosure may be performed in different orders and / or in parallel. Furthermore, the method embodiments may include additional steps and / or omit the steps shown. The scope of this disclosure is not limited in this respect.

[0020] As used in this disclosure, the term "comprising" and its variations are open-ended terms that include at least the following elements / features but do not exclude other elements / features, i.e., "including but not limited to". The term "based on" means "at least partially based on".

[0021] It should be noted that the concepts of "first," "second," etc., used in this disclosure are used only to distinguish different devices, modules, or units, and are not intended to define the order of functions performed by these devices, modules, or units or their interdependencies. Unless otherwise specified, the concepts of "first," "second," etc., are not intended to imply that the objects described herein must be in a given temporal, spatial, rank, or any other given order.

[0022] It should be noted that the terms "a" and "a plurality of" used in this disclosure are illustrative rather than restrictive, and those skilled in the art should understand that, unless otherwise expressly indicated in the context, they should be understood as "one or more".

[0023] The user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, use and processing of the relevant data shall comply with the relevant laws, regulations and standards of the relevant countries and regions, and corresponding operation portals shall be provided for users to choose to authorize or refuse.

[0024] The embodiments of this disclosure are described in detail below with reference to the accompanying drawings; however, this disclosure is not limited to these specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. Furthermore, in one or more embodiments, specific features, structures, or characteristics can be combined in any suitable manner that will be apparent to those skilled in the art from this disclosure.

[0025] After users draw resources from their resource prepayment account, they are required to repay the prepaid resources within a certain period. Failure to repay on time may result in an additional amount of resources needing to be repaid. In related technologies, to facilitate timely resource repayment, a reminder message is sent to the user before the repayment period for their resource prepayment account expires. The user then initiates the resource repayment based on the reminder message.

[0026] However, the timing of reminder messages in related technologies is usually configured by default. This means that the timing of the reminder message may not be the appropriate time for the user to repay resources, failing to achieve the effect of reminding the user to repay resources at the right time. Furthermore, when a user has multiple resource prepayment accounts, the repayment times for these accounts may be scattered. Sending reminder messages to the user before the repayment time for each account requires multiple frequent actions from the user, resulting in poor convenience.

[0027] Based on this, this disclosure provides a resource repayment method that can specifically remind users to repay resources and also improve the convenience of resource repayment for users.

[0028] Figure 1 A schematic flowchart of a resource repayment method according to some embodiments of the present disclosure is shown. Figure 1 As shown, the method of this embodiment includes steps S101 to S111.

[0029] In step S101, in response to user authorization, one or more first resource prepayment accounts among one or more resource prepayment accounts of the user are determined, wherein the resource repayment amount generation time of the first resource prepayment account is currently determined.

[0030] User authorization can be performed in various forms, such as by entering a password or biometric identification. After obtaining user authorization, the server used to execute the resource repayment method disclosed herein can send a data retrieval request to the database through a data interface and receive a response from the database, which includes information about one or more resource prepayment accounts of the user. Subsequently, data analysis is performed based on the information of one or more resource prepayment accounts to determine one or more first resource prepayment accounts whose resource repayment amount was generated at the current time.

[0031] A user's resource advance account is used to advance resources. This account may have an advance limit or no limit. The advance limit refers to the maximum amount of resources a user can advance within a certain period. After advancing resources from the resource advance account, the user needs to repay the advanced resources within a certain time. The repayment time, i.e., the scheduled repayment time, is usually determined according to certain rules, such as the amount of resources advanced, the type of resource advance account, and the user's custom settings. Before the scheduled repayment time arrives, the user will be informed of the amount of resources to be repaid; that is, the user is informed of the amount of resources to be repaid at the resource repayment amount generation time, so that the user can successfully repay all the resources that need to be repaid within the scheduled repayment time. The resource repayment amount generation time is also usually determined according to certain rules; for example, the resource repayment amount generation time is usually a certain period before the scheduled repayment time.

[0032] A user's one or more resource pre-drawn accounts include those from which the user has already pre-drawn resources, and those from which the user has not pre-drawn resources. Among the one or more resource pre-drawn accounts from which the user has already pre-drawn resources, there are one or more resource pre-drawn accounts whose resource repayment time is already determined, i.e., one or more first resource pre-drawn accounts. The resource repayment time for the first resource pre-drawn accounts is currently determined, indicating that the resource repayment amount for the first resource pre-drawn accounts is currently determined. Therefore, generating a resource repayment reminder message for the user based on the resource repayment amount of the first resource pre-drawn accounts can remind the user to complete the repayment of the required resource amount in a timely manner.

[0033] The first resource advance account can also be one where the difference between the scheduled repayment time and the current time is within a certain range. That is, when determining the first resource advance account, it can be based not only on whether the resource repayment time has been determined, but also on its scheduled repayment time. For example, a resource advance account whose scheduled repayment time is relatively close to the current time can be selected as the first resource advance account.

[0034] In step S103, the first repayment time range for each first resource prepayment account is determined based on the historical resource repayment data, current resource repayment amount, and scheduled repayment time of each first resource prepayment account.

[0035] Users may have certain habits or preferences regarding resource repayment. For example, a user might habitually repay resources the day before the scheduled repayment date, or ten days before. Alternatively, when repaying small amounts, users might prefer to repay more frequently before the scheduled repayment date, while when repaying larger amounts, they might prefer to repay more frequently. By combining historical resource repayment data for each user's initial resource advance account, we can uncover these habits or preferences to guide and remind users to repay their resources.

[0036] After understanding users' habits or preferences for resource repayment, the first repayment time range determined by combining the current amount of resource repayment and the scheduled repayment time can not only ensure that the current amount of resource repayment is completed within the scheduled repayment time, but also conform to users' habits or preferences as much as possible, thereby effectively reminding users to repay resources.

[0037] In some embodiments, the relationship between a user's resource repayment amount and its scheduled repayment time and the actual repayment time is mined based on historical resource repayment data. Based on this relationship, the current resource repayment amount and its scheduled repayment time, a first repayment time range is determined. The first repayment time range is used to indicate the appropriate repayment time for the user's current resource repayment amount. Subsequently, a repayment time, i.e. a target repayment time, can be recommended to the user based on the first repayment time range.

[0038] The first repayment time range can be determined using a large model. That is, historical resource repayment data, current resource repayment amount, and their scheduled repayment time are input into the large model to obtain the first repayment time range output by the large model. During the training process of the large model, it is trained using multiple sets of sample historical resource repayment data, sample current resource repayment amount and their scheduled repayment time, and sample first repayment time ranges. For example, the parameters of the large model can be continuously updated based on the difference between the training first repayment time range determined by the sample historical resource repayment data, sample current resource repayment amount, and their scheduled repayment time, and the sample first repayment time range.

[0039] In step S105, the target repayment time for each first resource prepayment account is determined based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information.

[0040] Users utilize accumulated resources for resource repayment. The user's resource accumulation information indicates the status of their accumulated resources, and therefore, this information can be used to determine the target repayment time. For example, based on the amount of resources the user has already accumulated and the amount of resources the user will accumulate, a target repayment time can be determined within a first repayment timeframe, ensuring that the user can complete resource repayment within the target repayment time.

[0041] Determining the target repayment time based on the user's accumulated resource information and the first repayment time range not only analyzes the user's resource repayment but also their accumulated resources. This approach, which guides the user's resource repayment based on the overall transfer of their resources, fully aligns with the user's actual situation, provides suitable resource repayment strategies, and facilitates the overall operation of the user's resources.

[0042] In step S107, a prompt message is generated based on the current resource repayment amount, target repayment time, and user data of each first resource prepayment account.

[0043] After determining the target repayment time, and considering the current resource repayment amount for each user's first resource prepayment account, a reminder message can be generated to prompt the user to repay the resource. Incorporating user data can further enhance the effectiveness of the reminder message.

[0044] Notification messages can be presented in various forms and at different frequencies. The form of a notification message includes not only the content within the message but also the format of the message itself. For example, notification messages can include text, charts, images, etc., and can be presented via SMS, phone calls, pop-ups, in-application messages, etc. Different users have different preferences regarding the form and frequency of notification messages. By incorporating user data, notification messages can be tailored to user preferences as closely as possible, thereby maximizing their effectiveness in reminding users and reducing the likelihood that users will ignore, de-escalate, or block notifications due to dislike of their format or frequency.

[0045] In step S109, a prompt message and controls associated with the prompt message are displayed on the interface.

[0046] After generating the prompt message, display the prompt message and its associated controls on the interface. The prompt message provides the user with specific information about resource repayment, and the associated controls provide a quick access point for resource repayment; that is, the user can perform resource repayment after triggering the control associated with the prompt message.

[0047] In step S111, in response to a user-triggered control, resource repayment is performed on the current resource repayment amount for each first resource prepayment account.

[0048] After the user triggers the control, the server used to execute the resource repayment method of this disclosure can send a request to the server of the user's resource-stored account to extract resources from the user's resource-stored account and send them to each first resource prepayment account.

[0049] The user-triggered control indicates that the user has confirmed resource repayment according to the prompt message. After the user triggers the control, resource repayment of the current amount for each first resource prepayment account is executed according to the prompt message. This effectively realizes intelligent management of the entire process from user authorization to resource repayment. The user can control the repayment of each first resource prepayment account by triggering the control, because the current amount of resource repayment for each first resource prepayment account can be automatically executed after the user triggers the control associated with the prompt message.

[0050] Compared to sending reminder messages to users before the scheduled repayment time of each primary resource prepayment account, the notification message disclosed herein can integrate the repayment status of all of a user's primary resource prepayment accounts, resulting in lower user disruption and higher information content. It also incorporates the user's historical repayment data and resource accumulation information, enabling it to provide resource repayment reminders to users based on the overall resource transfer situation, thus ensuring higher accuracy and effectiveness of the reminders.

[0051] In some embodiments, historical resource repayment data includes historical resource repayment amount, historical scheduled repayment time, and historical actual repayment time. Figure 2 A flowchart illustrating a resource repayment method according to other embodiments of this disclosure is shown. For example... Figure 2 As shown, the resource repayment method of this embodiment includes steps S201 to S205 of determining the first repayment time range of each first resource prepayment account based on the historical resource repayment data, the current resource repayment amount and its predetermined repayment time of each first resource prepayment account.

[0052] In step S201, for each first resource advance account, a first parameter is determined based on the historical scheduled repayment time and the historical actual repayment time.

[0053] By analyzing historical scheduled repayment times and historical actual repayment times, a user's preference for repayment time can be determined. For example, the first parameter could be the difference between the historical scheduled repayment time and the historical actual repayment time, or the position of the historical actual repayment time within the historical repayment cycle corresponding to the historical scheduled repayment time. The repayment cycle refers to the time period from the earliest repayment time to the scheduled repayment time. For instance, if the historical actual repayment time is close to the earliest historical repayment time, then the historical actual repayment time is located in the early part of the historical repayment cycle.

[0054] Here, the historical scheduled repayment time and the historical actual repayment time can be any specific historical scheduled repayment time and historical actual repayment time in the historical repayment data, or they can be the average of all historical scheduled repayment times and historical actual repayment times in the historical repayment data. That is, when determining the first parameter, it can be determined based on the average of all historical scheduled repayment times and historical actual repayment times in the historical repayment data, or the candidate first parameters corresponding to each historical scheduled repayment time and historical actual repayment time can be determined first, and then the first parameter can be finally determined based on the candidate first parameters.

[0055] In step S203, the second parameter is determined based on the historical resource repayment amount and the current resource repayment amount.

[0056] By comparing historical and current resource repayment amounts, the degree of anomaly in the current resource repayment amount can be determined. This degree of anomaly indicates how much the user's resource repayment habits are referenced when making the current repayment. For example, the closer the current resource repayment amount is to historical resource repayment amounts, the better it is possible to determine the target repayment time for the current resource repayment amount based on the user's resource repayment habits.

[0057] For example, the second parameter is the difference or ratio between the historical resource repayment amount and the current resource repayment amount. Similar to the historical scheduled repayment time and historical actual repayment time mentioned above, the historical resource repayment amount here can refer to the average of all historical resource repayment amounts in the historical repayment data, or it can refer to each specific historical resource repayment amount.

[0058] In step S205, the first repayment time range is determined based on the first parameter, the second parameter, and the predetermined repayment time.

[0059] By combining the first parameter, the second parameter, and the scheduled repayment time, a suitable first repayment time range can be determined by considering the user's preference for repayment time, the reference value of historical repayment data for the current resource repayment amount, and the scheduled repayment time.

[0060] After determining the initial repayment timeframe, a target repayment time can be determined by combining the user's accumulated resource information. In some embodiments, the accumulated resource information includes the amount of accumulated resources and their accumulation time. Figure 3 A flowchart illustrating a resource repayment method according to other embodiments of this disclosure is shown. For example... Figure 3 As shown, the resource repayment method in this embodiment includes steps S301 to S305 of determining the target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information.

[0061] In step S301, for each first resource advance account, a second repayment time range that is within the first repayment time range and not earlier than the accumulation time is determined.

[0062] Since users can use more resources for resource repayment after the resource accumulation period, the target repayment time determined from the second repayment time range, which is within the first repayment time range and no earlier than the accumulation time, puts less pressure on users to repay resources, thus increasing the probability that users can successfully repay resources within the target repayment time.

[0063] When a user has multiple accumulated resource amounts and their accumulation times, the aforementioned accumulation time can refer to the latest accumulation time among these multiple accumulation times. Alternatively, it can be determined based on multiple accumulated resource amounts. For example, the aforementioned accumulation time can be determined based on the cumulative accumulated resource amount. For instance, the accumulation time corresponding to the cumulative accumulated resource amount reaching a specified percentage of the user's total accumulated resource amounts can be determined as the aforementioned accumulation time.

[0064] In step S303, the third parameter is determined based on the accumulated resource amount and the current resource repayment amount.

[0065] Here, the resource accumulation amount refers to the amount of resources accumulated corresponding to the aforementioned accumulation time. For example, if the aforementioned accumulation time is the latest among multiple accumulation times, then the resource accumulation amount here is the sum of the resource accumulation amounts of multiple accumulation times.

[0066] The degree to which resource accumulation contributes to the repayment of current resources can be determined by comparing the amount of accumulated resources with the amount of current resource repayment. For example, the third parameter can be the difference or ratio between the accumulated resources and the current resource repayment. The larger the resource accumulation relative to the current resource repayment, the greater the degree to which the resource accumulation contributes to the repayment of current resources.

[0067] In step S305, the target repayment time is determined based on the second repayment time range and the third parameter.

[0068] The target repayment time is determined from the second repayment time range based on the third parameter. This allows the user to be prompted to repay resources based on their accumulated resources. For example, if the third parameter indicates that the user's accumulated resources are highly relevant to repaying the current amount of resources, the target repayment time can be set in an earlier period within the second repayment time range.

[0069] By mining the amount and duration of user resource accumulation information, we can integrate this information to prompt users to repay their resources. This not only reminds users to repay their resources in a timely manner but also enables us to reasonably control the transfer of users' overall resources, thereby improving users' control over the transfer of resources and ultimately enhancing their resource utilization and management capabilities.

[0070] After determining the target repayment time for each primary resource prepayment account, some primary resource prepayment accounts may have similar target repayment times. Therefore, users can be prompted to make consolidated repayments.

[0071] That is, determining the target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information also includes: in response to a user having multiple first resource prepayment accounts, determining whether to merge the repayment of multiple first resource prepayment accounts based on the current resource repayment amount and target repayment time of each first resource prepayment account; in response to determining to merge the repayment, determining the first resource prepayment accounts to be merged and their merged repayment time based on the current resource repayment amount and target repayment time of each first resource prepayment account.

[0072] First, identify the first resource prepayment accounts whose differences between target repayment times fall within a specified range. Then, determine whether to merge these accounts for repayment based on the sum of their current resource repayment amounts. For example, a threshold for merged repayment amounts can be set, allowing the current resource repayment amounts of first resource prepayment accounts not exceeding this threshold to be merged for repayment. This not only improves the convenience of resource repayment but also reduces the impact on users caused by excessive merged repayment amounts.

[0073] To further enhance the convenience of resource repayment for users, it is also possible to consider merging the repayment of second resource pre-payment accounts whose resource repayment generation time is currently undetermined but falls between the current repayment time and the merged repayment time. That is, multiple first resource pre-payment accounts and one or more second resource pre-payment accounts can be repaid during the merged repayment time.

[0074] In some embodiments, the resource repayment method further includes: identifying one or more second resource prepayment accounts among one or more resource prepayment accounts of the user, wherein the resource repayment amount generation time is between the current time and the combined repayment time; and determining, based on the currently generated resource repayment amount of the one or more second resource prepayment accounts, whether to use the one or more second resource prepayment accounts as first resource prepayment accounts and repay the resource repayment amount at the combined repayment time.

[0075] After identifying one or more secondary resource prepayment accounts whose resource repayment amounts fall between the current period and the combined repayment time, an assessment is made based on the current resource repayment amounts generated by these secondary resource prepayment accounts to determine whether they can be combined for repayment at the combined repayment time. For example, secondary resource prepayment accounts that have already generated a significant amount of resource repayments are not suitable for combined repayment because this would have a substantial impact on the user's resource repayment.

[0076] When assessing whether these secondary resource advance accounts can be repaid in a consolidated manner during the consolidated repayment period, the historical resource repayment amount of these secondary resource advance accounts and the user's resource advance plan for these secondary resource advance accounts can also be taken into account.

[0077] The above embodiments describe one or more second resource prepayment accounts whose resource repayment generation time is between the current time and the combined repayment time. In other embodiments, resource prepayment accounts among one or more of the user's resource prepayment accounts whose resource repayment generation time is near the combined repayment time may also be used as second resource prepayment accounts.

[0078] In some embodiments, the notification message of this disclosure includes a resource consumption reminder, and the resource repayment method further includes: in response to determining that one or more second resource prepayment accounts are used as first resource prepayment accounts and that resource repayment is made during the merged repayment period, determining the current resource repayment amount of one or more second resource prepayment accounts and the current resource repayment amount of the first resource prepayment account to be merged for repayment, and generating a resource consumption reminder.

[0079] By consolidating repayments for multiple first resource prepayment accounts and one or more second resource prepayment accounts, not only can the convenience of resource repayment be improved, but also the user's resource consumption can be controlled. For example, when prompting users to consolidate repayments for one or more second resource prepayment accounts, it may reduce the user's consumption of these second resource prepayment accounts. Thus, this disclosure can guide users to reasonably control resource consumption while prompting them to repay resources, thereby improving users' control over resource prepayments.

[0080] The above embodiments describe the determination of the target repayment time. After determining the target repayment time, a prompt message is generated to remind the user to repay the resources. When generating the prompt message, in addition to considering the current resource repayment amount and target repayment time for each first resource prepayment account, user data can also be incorporated to generate prompt information that matches the user's preferences, thereby increasing the probability that the user will view the prompt information.

[0081] It is understood that the notification messages of this disclosure may be user-triggered, meaning the notification message is generated in response to the user's use of voice, text, or triggering of a target control. Alternatively, the notification messages of this disclosure may be automatically triggered based on specified conditions, such as the existence of a first resource pre-payment account or a predetermined repayment time for the first resource pre-payment account.

[0082] Figure 4 A flowchart illustrating the generation of prompt messages according to some embodiments of this disclosure is shown. For example... Figure 4 As shown, generating the prompt message in this embodiment includes steps S401 to S405.

[0083] In step S401, the prompt content is determined based on the current resource repayment amount and target repayment time of each first resource prepayment account.

[0084] The prompt includes basic information about resource repayment, such as the current amount of resource repayment for each first resource prepayment account and the target repayment time. It may also include additional information, such as preferential information for resource repayment and resource consumption reminders.

[0085] In addition to information related to resource repayment and resource consumption, the prompt content may also include at least one of the following: a resource management strategy determined based on the analysis of the user's resource repayment data, and resource repayment knowledge. The resource management strategy is used to pre-fund resources for one or more resource pre-fund accounts, and the resource repayment knowledge is associated with at least one of resource pre-funding and resource repayment. That is, the prompt content also includes practical information other than resource repayment information, such as prompts for users to pre-fund resources and knowledge related to resource transfer.

[0086] In some embodiments, the resource repayment method further includes: determining abnormal items for each first resource prepayment account based on historical resource repayment data, the current resource repayment amount for each first resource prepayment account, and the target repayment time; and determining at least one of a resource management strategy and resource repayment knowledge based on the abnormal items for each first resource prepayment account.

[0087] By analyzing a user's historical and current resource repayment data, it is possible to identify abnormal items in the user's current resource consumption. This information can then be used to instruct the user to control resource consumption on these abnormal items or to provide the user with relevant knowledge about resource transfer, such as the amount of additional resources that need to be repaid if resources are not repaid within the scheduled repayment time, and common misconceptions about resource transfer.

[0088] In step S403, the presentation format of the prompt content is determined based on the user's data.

[0089] The presentation format of the notification content includes the presentation channel and presentation style, which will affect the generation of the notification message. For example, if the presentation channel is SMS, it means that the notification message will be displayed to the user in the form of an SMS message.

[0090] User data includes user attribute data and user configuration data. The presentation format includes presentation channels and presentation styles. Based on user data, determining the presentation format of the prompt content includes: determining the presentation channel of the prompt message based on user attribute data; and determining the presentation style of the prompt message based on user configuration data.

[0091] User attribute data includes information such as gender, age, and birthday, and this data is provided by the user. For example, sending a notification message via SMS is more appropriate for an older user. For a younger user, an in-application message can be used to send a notification message.

[0092] User configuration data consists of settings configured by the user and related to their preferences. For example, user preferences may differ at different times, resulting in different configuration data. Determining the presentation style of notification messages based on user configuration data ensures that the messages align with the user's preferences.

[0093] In step S405, the prompt content is presented in a presentation format and used as a prompt message.

[0094] Presenting the prompt content in the above format will serve as the prompt message. The prompt content can include text, images, tables, etc., and the presentation format can be adjusted to adapt the prompt content.

[0095] In some embodiments, in response to the prompt content including text, the style and tone of the text are determined according to the presentation channel and presentation style; in response to the prompt content including a virtual avatar, the character type and appearance of the virtual avatar are determined according to the presentation channel and presentation style.

[0096] When the prompt includes both text and a virtual avatar, the style and tone of the text match the character type and appearance of the virtual avatar. That is, when presenting the prompt based on its format, various forms of information within the prompt are comprehensively matched and presented. For example, if the virtual avatar's character type is a teacher and its appearance is humorous, then the style and tone of the text would match a humorous teacher. For instance, the text in the prompt might include something like, "What time is it and you still haven't paid back the loan! Today is the last day, if you can't get it done, I'll call your parents."

[0097] When the prompts include resource management strategies and resource repayment knowledge, the style and tone of the text should match that of a humorous teacher. For example, the text for resource management strategies could include, "Your resource consumption performance wasn't good this time; you need to learn more resource management skills," and the text for resource repayment knowledge could include, "Today's lesson - Know the common pitfalls of resource consumption."

[0098] Virtual avatars can enhance the vividness of notification messages and increase user interactivity. These avatars can be static, dynamic, or interactive. The avatar's character type and appearance can also be directly selected or configured by the user. This increases the attractiveness of the notification messages to the user.

[0099] Presenting prompts in a personalized format, such as through graphics and text, enhances the engagement and emotional connection with users. Compared to related technologies that only provide basic information like scheduled repayment time and resource repayment amount, the prompts disclosed in this disclosure break down the distance inherent in traditional reminder methods, transforming them into emotional companionship for users. This increases users' willingness to view the messages and improves conversion rates, thereby increasing their interest in and usage of resource transfers.

[0100] After generating the notification message, it needs to be displayed to the user. The frequency and timing of displaying the notification message also need to be considered to prevent inappropriate timing or excessive frequency from causing annoyance to the user.

[0101] Figure 5 A flowchart illustrating how prompt messages are displayed according to some embodiments of this disclosure is shown. Figure 5 As shown, the method of this embodiment includes steps S501 to S503.

[0102] In step S501, the reminder time is determined based on the target repayment time and the time information corresponding to the preferential information of each first resource prepayment account.

[0103] In step S503, at the prompt time, a prompt message and controls associated with the prompt message are displayed on the interface.

[0104] By combining the target repayment time and the corresponding time information of the promotional offer for each first-time resource advance account, a reminder time can be determined to facilitate users' resource repayment using the promotional offer. The time information corresponding to the promotional offer includes the valid period of the promotional offer. For example, a reminder message can be sent to the user on the first day of the promotional offer's validity.

[0105] Sending reminder messages to users based on the time information corresponding to the promotional offer can increase the probability of users repaying the resources, and also improve users' experience with resource prepayment and repayment, i.e., resource transfer.

[0106] After displaying a prompt message and associated controls to the user, in response to the user triggering the controls, resource repayment of the current resource repayment amount for each first resource prepayment account is performed. In some embodiments, performing resource repayment of the current resource repayment amount for each first resource prepayment account in response to the user triggering the controls includes: reserving resources in the user's resource storage account in response to the user triggering the controls for performing the current resource repayment amount for each first resource prepayment account; and performing the repayment of the resource repayment amount for each first resource prepayment account from the reserved resources at the target repayment time for each first resource prepayment account.

[0107] In other words, in response to a user-triggered control, resources are reserved from the user's resource storage account for the current resource repayment amount, and the resource repayment is executed at the target repayment time. This allows users to conveniently repay resources through a trigger control, instead of repaying resources one by one at the target repayment time of each first resource prepayment account. Furthermore, reserving resources ensures the smooth completion of resource repayment and avoids repayment failure due to insufficient resources in the future.

[0108] To improve resource utilization, after reserving resources, these resources can be stored in the user's resource growth account to acquire additional resources. At the target repayment time for each first resource prepayment account, the repayment amount for each first resource prepayment account is executed from the resource storage account. This not only reserves resources for repayment but also allows for rational planning, enabling the acquisition of additional resources for users through the resource growth account, thereby accelerating the user's resource accumulation progress.

[0109] Figure 6 A schematic diagram of the structure of a resource repayment apparatus according to some embodiments of the present disclosure is shown. For example... Figure 6As shown, the resource repayment device 6 includes a first determining module 61, configured to determine one or more first resource prepayment accounts among one or more resource prepayment accounts of the user, wherein the resource repayment amount generation time of the first resource prepayment account is currently determined; a second determining module 62, configured to determine a first repayment time range for each first resource prepayment account based on the historical resource repayment data, current resource repayment amount, and predetermined repayment time of each first resource prepayment account; a third determining module 63, configured to determine a target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information; a generating module 64, configured to generate a prompt message based on the current resource repayment amount, target repayment time, and user data of each first resource prepayment account; a display module 65, configured to display the prompt message and controls associated with the prompt message on the interface; and an execution module 66, configured to execute resource repayment of the current resource repayment amount for each first resource prepayment account in response to the user triggering the controls.

[0110] In some embodiments, historical resource repayment data includes historical resource repayment amount, historical scheduled repayment time, and historical actual repayment time. The second determining module 62 is configured to, for each first resource prepayment account, determine a first parameter based on the historical scheduled repayment time and historical actual repayment time; determine a second parameter based on the historical resource repayment amount and the current resource repayment amount; and determine a first repayment time range based on the first parameter, the second parameter, and the scheduled repayment time.

[0111] In some embodiments, the resource accumulation information includes the accumulated resource amount and its accumulation time. The third determining module 63 is configured to, for each first resource prepayment account, determine a second repayment time range within the first repayment time range that is no earlier than the accumulation time; and determine a third parameter based on the accumulated resource amount and the current resource repayment amount. A target repayment time is then determined based on the second repayment time range and the third parameter.

[0112] In some embodiments, the third determining module 63 is configured to, in response to a user having multiple first resource prepayment accounts, determine whether to merge the repayment of the multiple first resource prepayment accounts based on the current resource repayment amount and target repayment time of each first resource prepayment account; and in response to determining to merge the repayment, determine the first resource prepayment accounts to be merged and their merged repayment time based on the current resource repayment amount and target repayment time of each first resource prepayment account.

[0113] In some embodiments, the resource repayment device 6 is further configured to identify one or more second resource prepayment accounts among one or more resource prepayment accounts of the user, wherein the resource repayment amount generation time is between the current time and the combined repayment time; and, based on the currently generated resource repayment amount of the one or more second resource prepayment accounts, determine whether to use the one or more second resource prepayment accounts as first resource prepayment accounts and to repay the resource repayment amount at the combined repayment time.

[0114] In some embodiments, the notification message includes a resource consumption reminder, and the resource repayment device 6 is further configured to, in response to determining that one or more second resource prepayment accounts are used as first resource prepayment accounts and that resource repayment is made during the merged repayment period, determine the current resource repayment amount of one or more second resource prepayment accounts and the current resource repayment amount of the first resource prepayment account to be merged, and generate a resource consumption reminder.

[0115] In some embodiments, the generation module 64 is configured to determine the prompt content based on the current resource repayment amount and target repayment time of each first resource prepayment account; determine the presentation format of the prompt content based on user data; and present the prompt content as a prompt message through the presentation format.

[0116] In some embodiments, the user's data includes the user's attribute data and the user's configuration data, and the presentation format includes the presentation channel and the presentation style. The generation module 64 is configured to determine the presentation channel of the prompt message based on the user's attribute data and to determine the presentation style of the prompt message based on the user's configuration data.

[0117] In some embodiments, the generation module 64 is configured to, in response to the prompt content including text, determine the style and tone of the text based on the presentation channel and presentation style; and in response to the prompt content including a virtual avatar, determine the character type and appearance of the virtual avatar based on the presentation channel and presentation style.

[0118] In some embodiments, the display module 65 is configured to determine the prompt time based on the time information corresponding to the target repayment time and preferential information of each first resource prepayment account; at the prompt time, a prompt message and controls associated with the prompt message are displayed on the interface.

[0119] In some embodiments, the prompt content further includes at least one of resource management strategy and resource repayment knowledge. The resource repayment device 6 is further configured to determine abnormal items for each first resource prepayment account based on historical resource repayment data, the current resource repayment amount for each first resource prepayment account, and the target repayment time; and to determine at least one of resource management strategy and resource repayment knowledge based on the abnormal items for each first resource prepayment account. The resource management strategy is used to prepay resources for one or more resource prepayment accounts, and the resource repayment knowledge is associated with at least one of resource prepayment and resource repayment.

[0120] In some embodiments, the execution module 66 is configured to, in response to a user-triggered control, reserve resources in the user's resource storage account for the current resource repayment amount of each first resource prepayment account; and, at the target repayment time of each first resource prepayment account, execute the repayment of the resource repayment amount of each first resource prepayment account from the reserved resources.

[0121] In some embodiments, the execution module 66 is configured to store reserved resources in the user's resource growth account to obtain additional resources; and to perform repayment of the resource repayment amount for each first resource prepayment account from the resource storage account at the target repayment time of each first resource prepayment account.

[0122] In some embodiments, the prompt message is generated in response to a user's voice, text, or triggering of a target control.

[0123] The notification message disclosed herein can integrate the repayment status of all the user's first resource advance accounts, with low user disturbance and high information notification volume. It also combines the user's historical repayment data and resource accumulation information, and can provide resource repayment reminders to the user based on the user's overall resource transfer status, with high accuracy and effectiveness.

[0124] Figure 7 A block diagram of an electronic device according to some embodiments of the present disclosure is shown. The electronic device 7 includes a memory 71 and a processor coupled to the memory, the processor being configured to perform a resource repayment method as described in any of the preceding embodiments based on instructions stored in the memory.

[0125] Memory 71 is used to store one or more computer-readable instructions. Memory 71 may include any combination of various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory, including but not limited to random access memory (RAM), dynamic random access memory (DRAM), static random access memory (SRAM), read-only memory (ROM), and flash memory. Memory 71 may, for example, store operating systems, application programs, bootloaders, databases, and other programs, as well as various application programs and various data.

[0126] The processor 72 is configured to execute computer-readable instructions to implement the method described in any of the foregoing embodiments. Specific implementations of each step of the method can be found in the above embodiments; repeated details will not be elaborated upon here.

[0127] Processor 72 can be configured to execute Figures 1 to 5 The processor 72 can be various processing devices, such as a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. The central processing unit (CPU) can be based on x86 or ARM architectures, etc.

[0128] The processor 72 and the memory 71 can communicate with each other directly or indirectly. For example, the processor 72 and the memory 71 can communicate via a network. The network can include a wireless network, a wired network, and / or any combination of wireless and wired networks. The processor 72 and the memory 71 can also communicate with each other via a system bus, which is not limited in this disclosure.

[0129] It should be noted that Figure 7 The components of the electronic device 7 shown are merely exemplary and not limiting. The electronic device 7 may have other components depending on the specific application requirements. The processor 72 can control other components in the electronic device 7 to perform desired functions.

[0130] Electronic device 7 can be implemented by software, firmware and / or hardware, and can be integrated into a device with the relevant application installed.

[0131] The notification message disclosed herein can integrate the repayment status of all the user's first resource advance accounts, with low user disturbance and high information notification volume. It also combines the user's historical repayment data and resource accumulation information, and can provide resource repayment reminders to the user based on the user's overall resource transfer status, with high accuracy and effectiveness.

[0132] Figure 8 Block diagrams of electronic devices according to other embodiments of the present disclosure are shown.

[0133] Figure 8 The electronic device 8 shown can be a computer system with a dedicated hardware structure, which can perform corresponding functions when the relevant application is installed.

[0134] Electronic devices include, but are not limited to, mobile terminals such as smartphones, laptops, personal digital assistants (PDAs), tablet computers (PCs), PMPs (portable multimedia players), in-vehicle terminals (such as in-vehicle navigation terminals), wearable devices, and fixed terminals such as digital televisions and desktop computers.

[0135] like Figure 8 As shown, the Central Processing Unit (CPU) 81 performs various processes based on a program stored in the Read-Only Memory (ROM) 82 or a program loaded from the storage section 88 into the Random Access Memory (RAM) 83. The RAM 83 stores data required as needed when the CPU 81 performs various processes, etc. The CPU is merely exemplary; it could also be other types of processors, such as the various processors described above. The ROM 82, RAM 83, and storage section 88 can be various forms of computer-readable storage media. It should be noted that although... Figure 8 The diagram shows ROM 82, RAM 83 and storage section 88, but one or more of them may be combined or located in the same or different memory or storage modules.

[0136] CPU 81, ROM 82 and RAM 83 are interconnected via bus 84. Input / output interface 85 is also connected to bus 84.

[0137] The following components are connected to the input / output interface 85: input section 86, such as a touchscreen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, gyroscope, etc.; output section 87, including displays such as cathode ray tube (CRT), liquid crystal display (LCD), speakers, vibrators, etc.; storage section 88, including hard disk, magnetic tape, etc.; and communication section 89, including network interface cards such as LAN cards, modems, etc. The communication section 89 allows communication processing to be performed via a network such as the Internet. It is easy to understand that, although... Figure 8The portion of the electronic device 8 shown communicates via bus 84, but it may also communicate via a network or other means, wherein the network may include a wireless network, a wired network, and / or any combination of wireless and wired networks.

[0138] As needed, drive 810 is also connected to input / output interface 85. Removable media 811, such as disks, optical disks, magneto-optical disks, semiconductor memories, etc., are installed on drive 810 as needed, so that computer programs read from them can be installed into storage section 88 as needed.

[0139] When the above series of processes are implemented through software, the program constituting the software can be installed from a network such as the Internet or a storage medium such as a removable medium 811.

[0140] According to embodiments of this disclosure, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, some embodiments of this disclosure include a computer program product that, when run on a computer, causes the computer to perform the methods described in any of the foregoing embodiments. The computer program product includes computer instructions carried on a computer-readable medium, containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer instructions can be downloaded and installed from a network via communication section 89, or installed from storage section 88, or installed from ROM 82. When the computer program is executed by CPU 81, the methods of embodiments of this disclosure are performed. The prompt messages of this disclosure can integrate the repayment status of all the user's first resource prepayment accounts, have low user disturbance, high information prompt volume, and combine the user's historical repayment data and resource accumulation information, enabling resource repayment prompts to the user based on the user's overall resource transfer status, with high accuracy and effectiveness.

[0141] It should be noted that, in the context of this disclosure, a computer-readable medium can be a tangible medium that may contain or store programs for use by or in conjunction with an instruction execution system, apparatus, or device.

[0142] A computer-readable medium may be a computer-readable storage medium, a computer-readable signal medium, or any combination thereof.

[0143] Computer-readable storage media include, but are not limited to, systems, apparatuses, or devices that are electrical, magnetic, optical, electromagnetic, infrared, or semiconductor, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections having one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this disclosure, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. This disclosure also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the methods described in any of the foregoing embodiments. The prompt messages of this disclosure can integrate the repayment status of all the user's first resource prepayment accounts, have low user disturbance, high information prompt volume, and combine the user's historical repayment data and resource accumulation information, enabling resource repayment prompts to the user based on the user's overall resource transfer status, with high accuracy and effectiveness.

[0144] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, capable of sending, propagating, or transmitting programs for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical fibers, RF (radio frequency), etc., or any suitable combination thereof.

[0145] The aforementioned computer-readable medium may be included in the aforementioned electronic device; or it may exist independently and not assembled into the electronic device.

[0146] In some embodiments, a computer program is also provided, comprising: instructions that, when executed by a processor, cause the processor to perform the methods described in any of the foregoing embodiments. For example, the instructions may be embodied in computer program code.

[0147] In embodiments of this disclosure, computer program code for performing the operations of this disclosure can be written in one or more programming languages ​​or a combination thereof. These programming languages ​​include, but are not limited to, object-oriented programming languages ​​such as Java, Smalltalk, and C++, as well as conventional procedural programming languages ​​such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network (including a local area network (LAN) or a wide area network (WAN)), or it can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0148] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0149] The functions described above can be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary hardware logic components that can be used include: Field Programmable Gate Arrays (FPGAs), Application-Specific Integrated Circuits (ASICs), Application Standard Products (ASSPs), System-on-Chip (SoCs), Complex Programmable Logic Devices (CPLDs), and so on.

[0150] While specific embodiments of this disclosure have been described in detail by way of example, those skilled in the art should understand that the examples are for illustrative purposes only and not intended to limit the scope of this disclosure. Those skilled in the art should understand that modifications can be made to the above embodiments without departing from the scope and spirit of this disclosure. The scope of this disclosure is defined by the appended claims.

Claims

1. A resource repayment method, comprising: In response to user authorization, one or more first resource pre-draw accounts from one or more resource pre-draw accounts of the user are determined, wherein the resource repayment amount generation time of the first resource pre-draw account is currently determined; Based on the historical resource repayment data, current resource repayment amount and scheduled repayment time of each first resource prepayment account, the first repayment time range of each first resource prepayment account is determined; Based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information, the target repayment time of each first resource prepayment account is determined; A notification message is generated based on the current resource repayment amount of each first resource prepayment account, the target repayment time, and the user's data; The prompt message and the controls associated with the prompt message are displayed on the interface; In response to the user triggering the control, resource repayment is performed on the current resource repayment amount for each of the first resource prepayment accounts.

2. The resource repayment method according to claim 1, wherein, The historical resource repayment data includes historical resource repayment amount, historical scheduled repayment time, and historical actual repayment time. The step of determining the first repayment time range for each first resource prepayment account based on its historical resource repayment data, current resource repayment amount, and scheduled repayment time includes: For each of the first resource advance accounts, a first parameter is determined based on the historical scheduled repayment time and the historical actual repayment time; The second parameter is determined based on the historical resource repayment amount and the current resource repayment amount; A first repayment time range is determined based on the first parameter, the second parameter, and the predetermined repayment time.

3. The resource repayment method according to claim 1 or 2, wherein, The resource accumulation information includes the amount of accumulated resources and their accumulation time. Determining the target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information includes: For each of the first resource advance accounts, a second repayment time range that is within the first repayment time range and is no earlier than the accumulation time; The third parameter is determined based on the accumulated resource amount and the current resource repayment amount. The target repayment time is determined based on the second repayment time range and the third parameter.

4. The resource repayment method according to claim 3, wherein, The step of determining the target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information further includes: In response to the user having multiple first resource prepayment accounts, a determination is made, based on the current resource repayment amount and the target repayment time of each first resource prepayment account, whether to merge the multiple first resource prepayment accounts for repayment. In response to determining to proceed with consolidated repayment, the first resource prepayment account for which consolidated repayment will be conducted and its consolidated repayment time are determined based on the current resource repayment amount and the target repayment time of each first resource prepayment account.

5. The resource repayment method according to claim 4 further includes: Identify one or more second resource prepayment accounts among the user's one or more resource prepayment accounts, where the resource repayment amount generation time is between the current time and the combined repayment time; Based on the current resource repayment amount generated by the one or more second resource prepayment accounts, determine whether to use the one or more second resource prepayment accounts as first resource prepayment accounts and repay the resource repayment amount during the merged repayment period.

6. The resource repayment method according to claim 5, wherein, The notification message includes a resource consumption reminder, and the resource repayment method further includes: In response to determining that the one or more second resource prepayment accounts will be used as the first resource prepayment account and that resource repayment will be made during the merged repayment period, the current resource repayment amount of the one or more second resource prepayment accounts and the current resource repayment amount of the first resource prepayment account to be merged for repayment are determined, and a resource consumption reminder is generated.

7. The resource repayment method according to claim 1, wherein, The step of generating a prompt message based on the current resource repayment amount of each first resource prepayment account, the target repayment time, and the user's data includes: The prompt content is determined based on the current resource repayment amount of each first resource prepayment account and the target repayment time; Based on the user's data, determine the presentation format of the prompt content; The prompt content is presented in the aforementioned format and serves as a prompt message.

8. The resource repayment method according to claim 7, wherein, The user data includes the user's attribute data and the user's configuration data; the presentation format includes the presentation channel and presentation style; and determining the presentation format of the prompt content based on the user data includes: Based on the user's attribute data, determine the presentation channel for the notification message; The presentation style of the prompt message is determined based on the user's configuration data.

9. The resource repayment method according to claim 8, wherein, The presentation of the prompt content through the aforementioned presentation format, and its use as a prompt message, includes: In response to the prompt content including text, the style and tone of the text are determined according to the presentation channel and the presentation style; In response to the prompt content including a virtual avatar, the character type and appearance of the virtual avatar are determined according to the presentation channel and the presentation style.

10. The resource repayment method according to claim 1, wherein, The method of displaying the prompt message and the controls associated with the prompt message on the interface includes: The reminder time is determined based on the target repayment time and the corresponding time information of the preferential information for each first resource prepayment account; At the specified time, the notification message and the controls associated with the notification message are displayed on the interface.

11. The resource repayment method according to claim 1, wherein, The prompt content also includes at least one of resource management strategies and resource repayment knowledge, and the resource repayment method further includes: Based on the historical resource repayment data, the current resource repayment amount of each first resource prepayment account, and the target repayment time, the abnormal items of each first resource prepayment account are determined; Based on the abnormal items of each first resource prepayment account, at least one of the resource management strategy and resource repayment knowledge is determined, wherein the resource management strategy is used to prepay resources for the one or more resource prepayment accounts, and the resource repayment knowledge is associated with at least one of resource prepayment and resource repayment.

12. The resource repayment method according to claim 1, wherein, The step of responding to the user triggering the control and performing resource repayment for the current resource repayment amount of each of the first resource prepayment accounts includes: In response to the user triggering the control, resources are reserved in the user's resource storage account for the current resource repayment amount of each of the first resource prepayment accounts; At the target repayment time for each first resource prepayment account, the repayment amount for each first resource prepayment account is executed from the reserved resources.

13. The resource repayment method according to claim 12, wherein the repayment of the resource repayment amount for each first resource prepayment account from the reserved resources at the target repayment time of each first resource prepayment account comprises: The reserved resources are stored in the user's resource growth account to obtain additional resources; At the target repayment time for each first resource prepayment account, the repayment of the resource repayment amount for each first resource prepayment account is executed from the resource storage account.

14. The resource repayment method according to claim 1, wherein, The notification message is generated in response to the user's voice, text, or triggering of a target control.

15. A resource repayment device, comprising: The first determining module is configured to determine one or more first resource prepayment accounts among one or more resource prepayment accounts of a user, wherein the resource repayment amount generation time of the first resource prepayment account is currently determined; The second determining module is configured to determine the first repayment time range for each first resource prepayment account based on the historical resource repayment data, the current resource repayment amount, and the predetermined repayment time of each first resource prepayment account. The third determining module is configured to determine the target repayment time for each first resource prepayment account based on the first repayment time range of each first resource prepayment account and the user's resource accumulation information; The generation module is configured to generate a prompt message based on the current resource repayment amount of each first resource prepayment account, the target repayment time, and the user's data; The display module is configured to display the prompt message and the controls associated with the prompt message on the interface; The execution module is configured to, in response to the user triggering the control, perform resource repayment for the current resource repayment amount of each of the first resource prepayment accounts.

16. An electronic device comprising: Memory; as well as A processor coupled to the memory, the processor being configured to execute the resource repayment method as described in any one of claims 1 to 14 based on instructions stored in the memory.

17. A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, causes the processor to implement the resource repayment method of any one of claims 1 to 14.

18. A computer program product, when run on a computer, causes the computer to implement the resource repayment method according to any one of claims 1 to 14.

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