Communication arrearage instant reminding and processing method based on signaling monitoring

Abstract

The invention discloses a communication arrearage instant reminding and processing method based on signaling monitoring, and relates to the technical field of communication services. The invention provides a communication arrearage instant reminding and processing method based on signaling monitoring. The method comprises the following steps of real-time arrearage signaling collection, IVR and short message double reminding and backward flow communication providing. According to the invention, through a real-time signaling monitoring mechanism, arrearage signaling information of a calling party and a called party is continuously monitored, and instant early warning is realized; the dual reminding system integrates IVR voice calling and short message notification to ensure effective arrival of information; and the backward flow channel is used for maintaining the basic communication capability in an arrearage state and supporting convenient recharging. And a complete service closed loop of real-time monitoring, dual reminding, guaranteed communication and convenient recharging is constructed, so that the service experience of the user is remarkably improved.

Description

Technical Field

[0001] This invention relates to the field of communication service technology, and specifically to a method for real-time reminder and processing of communication overdue payments based on signaling monitoring. Background Technology

[0002] Currently, the user arrears monitoring mechanism used by operators is mainly based on periodic balance checks of the billing system, triggering reminder processes through preset balance thresholds. Reminder methods primarily include SMS notifications, supplemented by manual telephone reminders in specific circumstances. When a user's account is in arrears, they typically need to recharge through a third-party payment platform (such as Alipay or WeChat) or at a physical branch.

[0003] The existing technology has a significant flaw: when a user defaults on their bill, the operator immediately cuts off their data service, causing the user to be unable to connect to the mobile network. In this situation, the user cannot access online payment platforms such as WeChat or Alipay to complete self-service top-ups, nor can they receive overdue payment reminder SMS messages from the operator, thus falling into a service loop problem of "overdue payment - service suspension - inability to top up - continued overdue payment".

[0004] The current overdue payment monitoring system has three main technical flaws: Timeliness issues: The existing periodic query mechanism based on the billing system cannot achieve real-time monitoring, resulting in a certain time lag between early warning and actual arrears. Statistics show that the proportion of users whose service is suspended due to arrears each month is still as high as 5%.

[0005] Limited notification methods: The current system mainly relies on SMS notifications. For users who check SMS messages infrequently, the notification reach rate drops significantly, directly causing users to have their service suspended due to not being informed of their outstanding bills in a timely manner.

[0006] Recharge Channel Obstacles: When a service is suspended due to unpaid fees, traditional recharge methods face operational limitations. The lack of deep integration between the payment system and the operator's billing system creates a bottleneck in recharge efficiency, further exacerbating service interruptions. Summary of the Invention

[0007] The purpose of this invention is to provide a method for real-time reminder and processing of communication overdue payments based on signaling monitoring. This solves the problem that the existing periodic query mechanism based on the billing system cannot achieve real-time monitoring, resulting in a certain time period from warning to actual overdue payment. The current system mainly relies on the SMS reminder mechanism, which significantly reduces the reminder reach rate for users who check SMS frequently. In the case of service suspension due to overdue payment, traditional recharge methods face operational limitations.

[0008] To achieve the above objectives, the present invention provides the following technical solution: A method for real-time reminder and processing of communication overdue payments based on signaling monitoring includes the following steps: real-time collection of overdue payment signaling, dual reminder via IVR and SMS, and provision of back-end traffic communication. S1. Real-time overdue payment signaling collection: The core network IMS collects the overdue payment signaling information of the calling user when making a call and the overdue payment signaling information of the called user when the calling user calls the called user. It then sends this signaling information to the AS platform and collects behavioral data in real time. S2, IVR and SMS dual reminders: After receiving the overdue payment signaling information, the AS platform triggers the reminder process. For the calling user who is in arrears, the IVR automatically plays an overdue payment voice message and sends an overdue payment and recharge SMS message at the same time. For the called user who is in arrears, the IVR proactively contacts the customer, plays an overdue payment voice message, sends an overdue payment and recharge SMS message at the same time, and collects behavioral data simultaneously. S3. Backward traffic communication provision: The overdue payment and recharge SMS messages include an entry link or related information for backward traffic communication. After clicking, users can directly enter a specially designed recharge interface and complete the recharge through this channel directly connected to the operator's billing system, avoiding the limitations of traditional recharge methods. Simultaneously, behavioral data is collected and user behavior analysis is performed using a random forest model.

[0009] Furthermore, in the real-time overdue payment signaling collection, the core network IMS equipment monitors the user's call status in real time. When it detects that a calling user is making a call due to overdue payment, it collects the corresponding calling overdue payment signaling information; when a calling user calls a called user and the called user is in an overdue payment state, it collects the called overdue payment signaling information. The core network IMS sends this overdue payment signaling information to the AS platform in real time according to a preset protocol and data format. The core network IMS equipment and the AS platform exchange signaling information through the standardized communication protocol SIP. Both the calling and called overdue payment signaling are encapsulated into XML data packets of a specific format, containing the following key fields: CallerID: Caller ID CalleeID: The called user's number (only applicable in scenarios where the called party is in arrears). ArrearsStatus: Status of outstanding payment (e.g., "Insufficient balance" or "Service suspended") Timestamp: Signaling generation timestamp (accurate to milliseconds) ServiceType: Service type (e.g., voice call, SMS service) Signaling processing time formula: Define the total delay time from signaling acquisition to triggering the alert. :

[0010] Core network IMS signaling generation time (measured average ≤10ms); Network latency (≤50ms under SIP protocol) for signaling transmission from IMS to AS platform. The time taken for the AS platform to parse signaling and trigger an alert (XML parsing ≤ 20ms).

[0011] Furthermore, in the dual IVR and SMS reminder system, after receiving the overdue payment signaling information, the AS platform parses the information to determine the type of user with outstanding payments and their information. The user type includes the caller and the called party. For the caller with outstanding payments, the AS platform sends an instruction to the IVR system. The IVR system automatically plays an overdue payment reminder message during or before the call, such as "Your account is in arrears. Please recharge in time to avoid affecting communication services." Simultaneously, the AS platform sends an overdue payment and recharge SMS message to the caller through the SMS gateway, including the amount owed and the subsequent data communication link. For the called party with outstanding payments, the AS platform sends an instruction to the IVR system. The IVR system proactively dials the called party's phone number and plays an overdue payment reminder message after the user answers. At the same time, it sends an overdue payment and recharge SMS message to the called party through the SMS gateway. Reminder reach rate

[0012]

[0013] in: : Unique SMS reach rate (68% in actual network testing); IVR unique reach rate (75% in actual network testing).

[0014] Furthermore, the backward traffic communication service allows users to access a dedicated recharge interface after receiving SMS messages about overdue payments and recharges. This interface is directly connected to the operator's billing system. After the user selects the recharge amount and payment method on the interface and completes the payment, the payment information is transmitted to the billing system in real time. Once the billing system completes the accounting process, the user's communication service is restored immediately. Payment methods include bank card payment and WeChat payment. The implementation of backward traffic communication relies on the operator's configured 'backward traffic policy', which means that before a user's account is in arrears but has not been completely suspended, the user is only allowed to access a lightweight data channel of the operator's designated service domain. This channel uses an independent backward traffic billing pool, and the traffic fees generated are borne by the enterprise account, platform or group customer. No additional charges are incurred for the user's personal account. The temporary data channel uses TLS1.3 encryption, and the payment page only displays billing information. The payment operation requires a third party to complete the transaction through dual authentication of the user's API key and SMS verification code.

[0015] Furthermore, for enterprise customers, backward traffic communication refers to allowing user terminals to temporarily access a specific traffic channel and access a dedicated service page when the user is in arrears, through a preset backward traffic policy. This page is not used for user self-payment but displays billing information and supports batch or proxy payments by administrators, enterprise accounts, or platform providers through a preset unified payment interface. After receiving the unified payment instruction, the billing system immediately restores the user's communication service permissions. For individual customers, backward traffic communication refers to allowing user terminals to temporarily access a specific emergency traffic channel and access a dedicated billing inquiry and self-service payment page when the user's service is suspended due to arrears, through a preset backward traffic policy. This page can still be loaded even when the regular network is restricted, and supports users to complete instant payments through their bound payment methods. After confirming successful payment, the billing system automatically triggers the service restoration process, immediately lifting communication restrictions and restoring normal network and call permissions.

[0016] Furthermore, user behavior analysis can provide more accurate overdue payment reminders based on different user characteristics, thereby improving the acceptance and effectiveness of reminders; The data characteristics collected by user behavior analysis include frequency of arrears, average arrears duration, frequently used recharge periods, payment method preferences, and historical reminder response rate; User behavior analysis uses a random forest model, with user feature vectors as input and classification labels as output. The model is trained offline once every 24 hours, with an accuracy threshold set at ≥90%. Model accuracy :

[0017] in: TP (TruePositive): Correctly identifies "high-response" users; TN (TrueNegative): Correctly identified "low-response" users; FP / FN: Number of misclassified samples; Strategy matching: If a user who frequently defaults on payments is not recharged within 2 hours after the initial reminder, a second IVR outbound call will be triggered; for users who are sensitive to SMS messages, rich media SMS messages containing payment links will be sent first. The implementation steps include data collection, model training, personalization settings, and strategy application; Data collection: The AS platform continuously collects behavioral data such as the number of times a user has defaulted, the duration of default, the distribution of recharge time, the range of commonly used recharge amounts, the open rate and response latency of SMS reminders, the answer rate and hang-up feedback of IVR voice reminders, through data interfaces with the billing system, SMS gateway, IVR system and core network IMS, to form a complete behavioral profile of the user's default and reminder response. Model Training: Based on the collected multidimensional data, machine learning algorithms are used to intelligently classify users; for example, users who frequently recharge within 24 hours after defaulting on their bills are marked as "high-response users", users who repeatedly ignore SMS messages but answer IVR calls are identified as "voice-sensitive users", and users with long-term default records and irregular recharges are defined as "high-frequency default risk users", and a dynamically updated user tag system is established. Personalized settings: Based on the user tags output by the model, the AS platform configures differentiated reminder strategies; for "high-frequency overdue users", IVR outbound calls + SMS dual-channel reminders are immediately initiated after the first overdue signaling is triggered, and the reminder is repeated once within 2 hours; for "SMS-sensitive users", reminder information with a link to pay for data communication is sent via SMS first, reducing the frequency of IVR outbound calls to avoid disturbance; for "voice-sensitive users", automatic voice reminders are given priority by the IVR system, and the voice prompt time is appropriately extended for operation. Strategy Application: When the core network IMS reports new overdue payment signaling in real time, the AS platform calls the pre-trained user behavior model while parsing the user's identity information, matches the corresponding personalized reminder strategy, and dynamically determines the reminder method, content template, triggering time and retry frequency, realizing the intelligent reminder upgrade from "unified push" to "personalized reminders".

[0018] The beneficial effects of this invention are as follows: This application utilizes a real-time signaling monitoring mechanism to continuously monitor the overdue payment signaling information of both the calling and called users, enabling immediate early warning; a dual-reminder system employs a dual-channel reminder mechanism combining IVR voice and SMS to ensure effective information delivery; and a backward traffic channel maintains basic communication capabilities even in overdue payment situations, ensuring uninterrupted recharge channels and supporting convenient recharge. This constructs a complete service loop of "real-time monitoring - dual reminders - guaranteed communication - convenient recharge," significantly improving the user service experience.

[0019] The above description is merely an overview of the technical solution of the present invention. In order to better understand the technical means of the present invention and to implement it in accordance with the contents of the specification, the preferred embodiments of the present invention are described in detail below with reference to the accompanying drawings. Attached Figure Description

[0020] Figure 1 This is a flowchart illustrating an embodiment of the present invention.

[0021] Figure 2 This is a signaling interaction flowchart illustrating an embodiment of the present invention.

[0022] Figure 3 This is a flowchart illustrating the recharge process according to an embodiment of the present invention. Detailed Implementation

[0023] The technical solution of the present invention will now be clearly and completely described with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0024] In the description of this invention, it should be noted that the terms "center," "upper," "lower," "left," "right," "vertical," "horizontal," "inner," and "outer," etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are used only for the convenience of describing the invention and for simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on the invention. Furthermore, the terms "first," "second," and "third" are used for descriptive purposes only and should not be construed as indicating or implying relative importance.

[0025] In the description of this invention, it should be noted that, unless otherwise explicitly specified and limited, the terms "installation," "connection," and "linking" should be interpreted broadly. For example, they can refer to a fixed connection, a detachable connection, or an integral connection; they can refer to a mechanical connection or an electrical connection; they can refer to a direct connection or an indirect connection through an intermediate medium; and they can refer to the internal connection of two components. Those skilled in the art can understand the specific meaning of the above terms in this invention based on the specific circumstances.

[0026] Furthermore, the technical features involved in the different embodiments of the present invention described below can be combined with each other as long as they do not conflict with each other.

[0027] Please see Figure 1An embodiment of this application illustrates a method for real-time reminder and processing of communication overdue payments based on signaling monitoring, comprising the following steps: real-time collection of overdue payment signaling, dual reminder via IVR and SMS, and provision of backhaul traffic communication. S1. Real-time overdue payment signaling collection: The core network IMS collects the overdue payment signaling information of the calling user when making a call and the overdue payment signaling information of the called user when the calling user calls the called user. It then sends this signaling information to the AS platform and collects behavioral data in real time. S2, IVR and SMS dual reminders: After receiving the overdue payment signaling information, the AS platform triggers the reminder process. For the calling user who is in arrears, the IVR automatically plays an overdue payment voice message and sends an overdue payment and recharge SMS message at the same time. For the called user who is in arrears, the IVR proactively contacts the customer, plays an overdue payment voice message, sends an overdue payment and recharge SMS message at the same time, and collects behavioral data simultaneously. S3. Backward traffic communication provision: The overdue payment and recharge SMS messages include an entry link or related information for backward traffic communication. After clicking, users can directly enter a specially designed recharge interface and complete the recharge through this channel directly connected to the operator's billing system, avoiding the limitations of traditional recharge methods. Simultaneously, behavioral data is collected and user behavior analysis is performed using a random forest model.

[0028] In real-time overdue payment signaling collection, the core network IMS equipment monitors users' call status in real time. When it detects that a calling user is making a call due to overdue payment, it collects the corresponding calling overdue payment signaling information. When a calling user calls a called user and the called user is in an overdue payment state, it collects the called overdue payment signaling information. The core network IMS sends this overdue payment signaling information to the AS platform in real time according to a preset protocol and data format. The core network IMS equipment and the AS platform exchange signaling information through the standardized communication protocol SIP. Both the calling and called overdue payment signaling are encapsulated into XML data packets of a specific format, containing the following key fields: CallerID: Caller ID CalleeID: The called user's number (only applicable in scenarios where the called party is in arrears). ArrearsStatus: Status of outstanding payment (e.g., "Insufficient balance" or "Service suspended") Timestamp: Signaling generation timestamp (accurate to milliseconds) ServiceType: Service type (e.g., voice call, SMS service) Signaling processing time formula: Define the total delay time from signaling acquisition to triggering the alert. :

[0029] Core network IMS signaling generation time (measured average ≤10ms); Network latency (≤50ms under SIP protocol) for signaling transmission from IMS to AS platform. The time taken for the AS platform to parse signaling and trigger an alert (XML parsing ≤ 20ms).

[0030] In the dual IVR and SMS alert system, after receiving the overdue payment signaling information, the AS platform parses the information to determine the type and information of the overdue user. The user type includes both the caller and the called party. For callers with overdue payments, the AS platform sends an instruction to the IVR system. The IVR system automatically plays an overdue payment reminder message during or before the call, such as "Your account is in arrears. Please recharge in time to avoid affecting communication services." Simultaneously, the AS platform sends an overdue payment and recharge SMS message to the caller via the SMS gateway, including the overdue amount and the subsequent data communication link. For called parties with overdue payments, the AS platform sends an instruction to the IVR system. The IVR system proactively dials the called party's number and plays an overdue payment reminder message after the user answers. Simultaneously, it sends an overdue payment and recharge SMS message to the called party via the SMS gateway. Reminder reach rate

[0031]

[0032] in: : Unique SMS reach rate (68% in actual network testing); IVR unique reach rate (75% in actual network testing).

[0033] Backward traffic communication provides users with a dedicated recharge interface after receiving SMS messages about overdue payments and recharge. This interface is directly connected to the operator's billing system. After the user selects the recharge amount and payment method on the interface and completes the payment, the payment information is transmitted to the billing system in real time. After the billing system completes the accounting, the user's communication service is restored immediately. Payment methods include bank card payment and WeChat payment. The implementation of backward traffic communication relies on the operator's configured 'backward traffic policy'. That is, before a user's account is in arrears but not completely shut down, the core network IMS or PCRF network element temporarily opens a lightweight data channel for the user, which is limited to accessing the operator's designated service domain name, according to the policy instructions issued by the AS platform. This channel uses an independent backward traffic billing pool, and the traffic fees generated are borne by the enterprise account, platform or group customer. No additional deductions are generated for the user's personal account. The temporary data channel uses TLS1.3 encryption, and the payment page only displays billing information. The payment operation requires a third party to complete the transaction through dual authentication of the user's API key and SMS verification code.

[0034] For enterprise customers, backward traffic communication refers to allowing user terminals to temporarily access a specific traffic channel and access a dedicated service page when a user is in arrears, through a preset backward traffic policy. This page is not for user self-payment but displays billing information and supports batch or proxy payments by administrators, enterprise accounts, or platform providers through a preset unified payment interface. Upon receiving the unified payment instruction, the billing system immediately restores the user's communication service permissions. For individual customers, backward traffic communication refers to allowing user terminals to temporarily access a specific emergency traffic channel and access a dedicated billing inquiry and self-service payment page when a user's service is suspended due to arrears, through a preset backward traffic policy. This page can still load even under normal network restrictions and supports users to complete immediate payments through their linked payment methods. After confirming successful payment, the billing system automatically triggers the service recovery process, immediately lifting communication restrictions and restoring normal network and call permissions.

[0035] User behavior analysis can provide more accurate overdue payment reminders based on different user characteristics, thereby improving the acceptance and effectiveness of reminders; The data characteristics collected by user behavior analysis include frequency of arrears, average arrears duration, frequently used recharge periods, payment method preferences, and historical reminder response rate; User behavior analysis uses a random forest model, with user feature vectors as input and classification labels as output. The model is trained offline once every 24 hours, with an accuracy threshold set at ≥90%. Model accuracy :

[0036] in: TP (TruePositive): Correctly identifies "high-response" users; TN (TrueNegative): Correctly identified "low-response" users; FP / FN: Number of misclassified samples; Strategy matching: If a user who frequently defaults on payments is not recharged within 2 hours after the initial reminder, a second IVR outbound call will be triggered; for users who are sensitive to SMS messages, rich media SMS messages containing payment links will be sent first. The implementation steps include data collection, model training, personalization settings, and strategy application; Data collection: The AS platform continuously collects behavioral data such as the number of times a user has defaulted, the duration of default, the distribution of recharge time, the range of commonly used recharge amounts, the open rate and response latency of SMS reminders, the answer rate and hang-up feedback of IVR voice reminders, through data interfaces with the billing system, SMS gateway, IVR system and core network IMS, to form a complete behavioral profile of the user's default and reminder response. Model Training: Based on the collected multidimensional data, machine learning algorithms are used to intelligently classify users; for example, users who frequently recharge within 24 hours after defaulting on their bills are marked as "high-response users", users who repeatedly ignore SMS messages but answer IVR calls are identified as "voice-sensitive users", and users with long-term default records and irregular recharges are defined as "high-frequency default risk users", and a dynamically updated user tag system is established. Personalized settings: Based on the user tags output by the model, the AS platform configures differentiated reminder strategies; for "high-frequency overdue users", IVR outbound calls + SMS dual-channel reminders are immediately initiated after the first overdue signaling is triggered, and the reminder is repeated once within 2 hours; for "SMS-sensitive users", reminder information with a link to pay for data communication is sent via SMS first, reducing the frequency of IVR outbound calls to avoid disturbance; for "voice-sensitive users", automatic voice reminders are given priority by the IVR system, and the voice prompt time is appropriately extended for operation. Strategy Application: When the core network IMS reports new overdue payment signaling in real time, the AS platform calls the pre-trained user behavior model while parsing the user's identity information, matches the corresponding personalized reminder strategy, and dynamically determines the reminder method, content template, triggering time and retry frequency, realizing the intelligent reminder upgrade from "unified push" to "personalized reminders".

[0037] Two embodiments are described in detail below: S1. When the core network IMS device detects that the calling or called user is in arrears, it generates the corresponding arrears signaling and sends it to the application server AS platform. The core network IMS equipment monitors the call status of users in real time. When it detects that the calling user is making a call in arrears, it collects the corresponding calling user arrears signaling information; when the calling user calls the called user and the called user is in arrears, it collects the called user arrears signaling information. The core network IMS sends these overdue payment signaling messages to the AS platform in real time according to the preset protocol and data format; The S2 and AS platforms parse the overdue payment signaling, determine the identity and type of the overdue user, and trigger the reminder process; After receiving the overdue payment signaling information from the core network IMS, the AS platform parses the information to determine the type of the overdue user (caller or called party) and related user information. Based on the analysis results, the AS platform initiates a notification process; S3. Send IVR voice reminders and / or SMS reminders to users in arrears, wherein the SMS message contains a link to the data traffic payment service page after access; When a calling user is in arrears, the AS platform sends an instruction to the IVR system to automatically play an overdue payment reminder voice during or before the calling user's call. At the same time, it sends an overdue payment and recharge SMS to the calling user through the SMS gateway. The SMS content includes the overdue amount and the back traffic communication link. In cases where the called user is in arrears, the AS platform also sends instructions to the IVR system to proactively dial the called user's phone number and broadcast an overdue payment reminder voice message after the user answers. At the same time, it sends overdue payment and recharge SMS messages to the called user through the SMS gateway. S4. Based on the preset backward traffic policy, users with overdue payments are allowed to access the backward traffic communication service page through a temporary data channel. The traffic of the temporary data channel is included in the backward traffic pool and settled by a third party. The implementation of backward traffic communication relies on the operator's configured 'backward traffic policy', which means that before a user's account is in arrears but has not been completely suspended, the user is only allowed to access the lightweight data channel of the service domain name specified by the operator. This channel uses an independent back-end traffic billing pool, and the traffic costs generated are borne by the enterprise account, the platform or the group customer, and no additional charges are incurred for the user's personal account. S5, the back-end traffic communication service page supports two payment modes: Enterprise payment mode: personal payment access is not open, only billing information and enterprise unified payment interface are provided; Personal payment mode: Alipay / WeChat payment SDK is embedded, users are redirected to the third-party payment platform to complete the transaction, and the communication service is restored in real time through the callback interface after the payment is successful. S6. After receiving unified payment information from a third party, the billing system immediately restores all communication service privileges for the user. Once the billing system receives a valid payment instruction initiated by a third party, it immediately updates the user's account status and restores all of their communication service privileges.

[0038] The AS platform can analyze users' historical overdue payment records and recharge habits to set personalized reminder frequencies and methods for different users. For example, for users who frequently default on payments, the reminder frequency can be appropriately increased; for users who prefer voice reminders, IVR reminders can be triggered first.

[0039] The backward traffic communication payment channel connects directly to the operator's billing system via a dedicated interface. When a user is in arrears, it bypasses some authentication restrictions in the conventional payment process. Users can directly complete the payment by accessing the recharge interface via a link in an SMS message. Payment information is synchronized to the billing system in real time, enabling instant recharge and service restoration. Simultaneously, encryption technology ensures the security of the payment process.

[0040] Payment security strength S 支付 :

[0041] Cracking cost: The dynamic token (JWT) uses the HS256 algorithm, and cracking it requires 2128 operations; Validity factor: The token is valid for 5 minutes and will expire after that time.

[0042] In summary, this invention provides a method for real-time reminders and processing of communication overdue payments based on signaling monitoring. This method continuously monitors the user's overdue payment status through a real-time signaling monitoring mechanism. Compared to the traditional method of periodic queries based on the billing system, it can achieve immediate early warning. The real-time detection of overdue payment status through signaling monitoring technology greatly improves the timeliness of reminders. The dual reminder system employs a dual-channel reminder mechanism combining IVR voice and SMS to ensure effective information delivery, covering different users' information acquisition habits, improving the reach rate of reminder information, and reducing the occurrence of user service interruptions due to not receiving reminders. The backward traffic channel maintains basic communication capabilities in the overdue payment state, ensuring uninterrupted recharge channels and supporting convenient recharge. A complete service loop of "real-time monitoring - dual reminders - guaranteed communication - convenient recharge" has been built, which significantly improves the user service experience. Through timely reminders and convenient recharge, user complaints have been reduced and user trust and stickiness to the operator have been enhanced.

[0043] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0044] The embodiments described above are merely illustrative of implementation methods of the present invention, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of the invention patent. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the present invention, and these all fall within the protection scope of the present invention. Therefore, the protection scope of this invention patent should be determined by the appended claims.

Claims

1. A communication overdue payment instant reminding and processing method based on signaling monitoring, characterized in that, It comprises the following steps: real-time arrears signaling collection, IVR and short message dual reminders, and communication provision of backward traffic; S1, real-time arrears signaling collection: the core network IMS collects the calling arrears signaling information of the calling user when calling in arrears and the signaling information of the called user in arrears when the calling user calls the called user in real time, and sends the signaling information to the AS platform, and synchronously collects behavior data; S2, IVR and short message dual reminders: after the AS platform receives the arrears signaling information, the reminding process is triggered, for the calling user in arrears, the IVR automatically broadcasts the arrears voice, and simultaneously sends the arrears and recharge short message; for the called user in arrears, the IVR actively contacts the customer, broadcasts the arrears voice, and simultaneously sends the arrears and recharge short message, and synchronously collects behavior data; S3, communication provision of backward traffic: the entry link or related information of the communication of backward traffic is contained in the sent arrears and recharge short message, the user can directly enter the specially designed recharge interface by clicking, and completes the recharge through the direct connection of the operator billing system, avoids the limitation of the traditional recharge mode, synchronously collects behavior data, and uses a random forest model to analyze user behavior.

2. The communication overdue payment instant reminding and processing method based on signaling monitoring according to claim 1, characterized in that, In the real-time arrears signaling collection, the core network IMS device monitors the call state of the user in real time, and when it is detected that the calling user calls in arrears, the corresponding calling arrears signaling information is collected; When the calling user calls the called user and the called user is in an arrears state, the called arrears signaling information is collected, the core network IMS sends the arrears signaling information to the AS platform in real time according to a preset protocol and data format, the core network IMS device and the AS platform interact with each other through a standardized communication protocol SIP, wherein the calling arrears signaling and the called arrears signaling are packaged as XML data packets in a specific format, and contain the following key fields: CallerID: calling user number CalleeID: called user number (only applicable to the called arrears scenario) ArrearsStatus: arrears state (such as "insufficient balance" "has been suspended") Timestamp: signaling generation timestamp (accurate to milliseconds) ServiceType: service type (such as voice call, short message service) The signaling processing time formula defines the total delay time from signaling collection to triggering reminders: ， : Core network IMS signaling generation time (measured average ≤ 10 ms); : Network delay of signaling from IMS to AS platform (≤ 50 ms under SIP protocol); : Time taken by AS platform to parse the signaling and trigger the alert (XML parsing < 20ms).

3. The method of claim 1, wherein the method further comprises: After the AS platform receives the information of the signaling of the arrearage, the information is analyzed to determine the type of the arrearage user and the user information. The type of the user includes the calling or the called. For the calling user in arrears, the AS platform sends an instruction to the IVR system, and the IVR system automatically broadcasts the arrearage reminder voice during or before the calling user's call, such as "Your account has been in arrears, please recharge in time to avoid affecting the communication service". At the same time, the AS platform sends an arrearage and recharge short message to the calling user through the short message gateway, including the arrearage amount, the backward flow communication link, and the like. For the called user in arrears, the AS platform sends an instruction to the IVR system, and the IVR system initiates a call to the called user and broadcasts the arrearage reminder voice after the user answers the call. At the same time, the AS platform sends an arrearage and recharge short message to the called user through the short message gateway. Alert reach rate : ， Wherein: : Short message independent reach rate (68% in the actual network) : IVR independent reach rate (75% in the actual network measurement).

4. The method of claim 1, wherein the method further comprises: The backward flow communication provides that after the user receives the arrearage and recharge short message, the user clicks the backward flow communication link in the short message to enter a special recharge interface. The interface is directly connected with the operator's billing system. After the user selects the recharge amount, the payment method and completes the payment operation on the interface, the payment information is transmitted to the billing system in real time. After the billing system completes the account processing, the communication service of the user is restored immediately. The payment method includes bank card payment, WeChat payment. The realization of the backward flow communication depends on the 'backward flow strategy' configured by the operator, that is, before the user's account is in arrears but has not been completely stopped, the user is limited to access the lightweight data channel of the specified service domain name of the operator. The channel uses an independent backward flow billing pool, and the generated flow cost is borne by the enterprise account, the platform party or the group customer. The user's personal account does not generate additional charges. The temporary data channel uses TLS1.3 encryption, and the payment page only displays the billing information. The payment operation needs to be completed by a third party through the user API key + short message verification code double authentication.

5. The method of claim 1, wherein the method further comprises: The backward flow communication refers to allowing the user terminal to temporarily access a specific flow channel to access a special service page under the condition of user arrears through a preset backward flow strategy. For enterprise customers, the backward flow communication refers to allowing the user terminal to temporarily access a specific flow channel to access a special service page under the condition of user arrears through a preset backward flow strategy. The page is not used for user self-payment, but displays billing information and supports batch or payment by administrators, enterprise accounts or platform parties through a preset unified payment interface. After the billing system receives the unified payment instruction, the communication service permission of the user is restored immediately. For individual customers, the backward flow communication refers to allowing the user terminal to temporarily access a specific emergency flow channel to access a special billing query and self-service payment page under the condition of user arrears. The page can still be loaded under the condition of limited normal network, and supports the user to complete the immediate payment through the bound payment method. After the billing system confirms the successful payment, the service recovery process is automatically triggered to immediately remove the communication restriction and restore the normal network and call permission.

6. The method for signaling monitoring based communication overdue payment instant reminding and processing according to claim 1, characterized in that, User behavior analysis can provide more accurate overdue reminder service according to different characteristics of users, and improve the acceptance and effectiveness of the reminder; The data features collected by user behavior analysis include overdue frequency, average overdue duration, common recharge period, payment method preference, and historical reminder response rate; User behavior analysis uses a random forest model, with user feature vectors as input and classification labels as output; The model is trained offline every 24 hours, and the accuracy threshold is set to ≥ 90%; Model accuracy : ， Among them: TP (True Positive): Correctly identified "high response" users; TN (True Negative): Correctly identified "low response" users; FP / FN: Misjudgment sample number; Strategy matching: for "high-frequency overdue users", if no recharge is made within 2 hours after the first reminder, a second IVR call is triggered; for "SMS-sensitive users", rich media SMS containing payment links are sent preferentially; The implementation steps include data collection, model training, personalized setting, and strategy application; Data collection: the AS platform continuously collects historical overdue frequency, overdue duration, recharge time distribution, common recharge amount interval, SMS reminder opening rate and response delay, IVR voice reminder call answering rate and hang-up feedback, and other behavior data of users through data interfaces with billing systems, SMS gateways, IVR systems, and core network IMS, forming a complete behavior portrait of user overdue and reminder response; Model training: based on the collected multi-dimensional data, machine learning algorithms are used to intelligently classify users; for example, users who frequently recharge within 24 hours after overdue are marked as "high response users", users who ignore SMS but answer IVR calls are identified as "voice-sensitive users", and users with long-term overdue records and irregular recharge are defined as "high-frequency overdue risk users", and a dynamic user label system is established; Personalized setting: according to the user labels output by the model, the AS platform configures differentiated reminder strategies; for "high-frequency overdue users", IVR call + SMS dual-channel reminders are started immediately after the first overdue signaling trigger, and repeated once within 2 hours; for "SMS-sensitive users", reminder information with backward traffic communication payment links is sent preferentially through SMS to reduce IVR call frequency to avoid disturbance; for "voice-sensitive users", automatic voice reminders are given preferentially by the IVR system, and the voice prompt time is appropriately extended for operation; Strategy application: when the core network IMS reports new overdue signaling in real time, the AS platform calls the trained user behavior model while analyzing user identity information, matches the corresponding personalized reminder strategy, dynamically determines the reminder method, content template, trigger time, and retry frequency, and realizes the intelligent reminder upgrade from "unified push" to "thousand faces".

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