Arrearage reduction method and device, computer equipment and storage medium

Abstract

The invention discloses an arrearage deduction method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining a deduction request for at least one arrearage bill, the deduction request comprising a deduction strategy; based on the deduction strategy, determining deduction cost corresponding to the arrearage bill; and modifying an arrearage amount corresponding to the arrearage bill based on the deduction cost, and generating a deduction arrearage bill. According to the embodiment of the invention, the method gets rid of the efficiency bottleneck of traditional manual single processing, greatly reduces the repeated labor cost of financial and operation personnel, can quickly respond to the batch reduction and remission demands in multiple scenes such as property fees and parking fees, achieves the whole-process closed-loop management and control from the initiation, auditing and accounting of the reduction and remission request to the subsequent adjustment, and improves the efficiency of the reduction and remission request. And the service adaptation flexibility and the risk control capability of different arrearage scenes such as owner difficulty and activity discount are enhanced.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a method, apparatus, computer equipment, and storage medium for waiving overdue fees. Background Technology

[0002] In diverse property management scenarios such as commercial real estate, residential communities, and industrial parks, property management companies and related operating entities need to collect and manage various types of fees, including property fees, parking fees, site rental fees, and service fees. With the continuous expansion of management scale, the number of managed property projects, the covered user group, and the scale of fee flow have all shown a significant growth trend, and the corresponding demand for handling overdue bills is also becoming increasingly heavy.

[0003] Currently, most operators still use the traditional manual operation mode for the reduction and waiver of overdue bills. This mode has exposed many problems that urgently need to be solved in practical applications: First, the processing efficiency is low. Faced with hundreds or thousands of overdue bills containing principal and late fees, it is necessary to manually check the bill information, calculate the reduction amount, and enter it into the financial system one by one. This not only consumes a lot of time for finance and operations personnel, but also cannot meet the business needs of batch reduction and waiver. Second, the accuracy of data is difficult to guarantee. In the process of manual calculation, problems such as incorrect order of late fees deduction and deviation in the calculation of reduction amount are prone to occur, resulting in discrepancies between the financial data after reduction and the actual overdue payment, increasing the difficulty of subsequent reconciliation and auditing. Third, the implementation of reduction and waiver rules is not standardized. Different operators have different understandings of the reduction and waiver standards, and there is a lack of unified strategy configuration and risk control verification mechanism. This can easily lead to situations such as over-authorization reduction and unauthorized reduction, and cannot meet the flexible adaptation needs of differentiated reduction and waiver scenarios.

[0004] Crucially, with increasingly stringent financial compliance requirements for various business entities, whether it's the high operating volume and frequent payment transactions in commercial and office parks, or the collection of scattered fees in residential communities, it's essential to ensure the traceability of overdue bill reduction records and the compliance of tax invoicing. Traditional manual offline reduction methods lack comprehensive operational logs and process control mechanisms. Any non-compliant reduction operations could lead to regulatory fines and even legal risks for the operating entity.

[0005] In addition, some existing simplified fee reduction tools can only realize the basic fee reduction function for a single type of fee, and cannot be compatible with the unified processing of multiple types of overdue bills such as property fees and parking fees. They also lack advanced capabilities such as batch import of bills, intelligent risk control verification, and termination and recovery after fee reduction, making it difficult to adapt to complex and ever-changing actual operation scenarios. Summary of the Invention

[0006] Therefore, it is necessary to provide a method, apparatus, computer equipment, and storage medium for reducing or waiving overdue payments to address the aforementioned technical problems, thereby resolving at least one of the problems existing in the prior art.

[0007] Firstly, a method for reducing or waiving overdue fees is provided, including: Obtain a waiver request for at least one overdue bill, the waiver request including a waiver strategy; Based on the aforementioned reduction and exemption strategy, the reduction and exemption fees corresponding to the overdue bills are determined; Based on the fee reduction, modify the outstanding amount corresponding to the outstanding bill to generate a reduced outstanding bill.

[0008] In one possible implementation, obtaining a waiver request for at least one overdue bill, the waiver request including a waiver strategy, includes: Configure reduction and exemption strategies according to business needs. The reduction and exemption strategies include at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full exemption of penalty, penalty discount, and rounding down reduction. The reduction request is generated based on the selection of the reduction policy corresponding to the overdue bill.

[0009] In one possible implementation, obtaining a waiver request for at least one overdue bill, the waiver request including a waiver strategy, includes: Retrieve a data file containing at least one outstanding bill; Based on the data file, a recommended reduction strategy is generated for the overdue bill. The recommended reduction strategy includes at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment fee, discount on late payment fee, and rounding down to zero. The exemption request is generated based on the recommended exemption strategy.

[0010] In one possible implementation, the step of modifying the outstanding amount corresponding to the outstanding bill based on the reduced or waived fees, and generating a reduced or waived outstanding bill, includes: Determine the amount of the penalty and the principal amount corresponding to the outstanding bill; Based on the aforementioned fee reduction strategy, the priority of the fee reduction is determined; Based on the reduction priority, the amount of the penalty and the principal amount are reduced or waived in sequence, and a bill of arrears after reduction or waiver is generated.

[0011] In one possible implementation, the step of reducing the penalty amount and the principal amount sequentially based on the reduction priority, and generating a reduced outstanding bill, includes: If the priority of the reduction of the penalty amount is higher than the priority of the reduction of the principal amount, the reduced or exempted fees shall be used to offset all or part of the penalty amount first. Then, based on the remaining penalty amount after the offset, it shall be determined whether to continue to use the remaining reduced or exempted fees to offset the principal amount, so as to obtain the final amount of the outstanding fee after the reduction. If the priority of the penalty amount reduction is lower than the priority of the principal amount reduction, the reduced or exempted fees will be used to offset all or part of the principal amount first. Then, based on the remaining principal amount after the offset, it will be determined whether to continue to use the remaining reduced or exempted fees to offset the penalty amount, so as to obtain the final amount of outstanding fees after reduction.

[0012] In one possible implementation, after modifying the outstanding amount corresponding to the outstanding bill based on the reduced or waived fees and generating the reduced or waived outstanding bill, the method further includes: Based on the reduced outstanding bill, a reduction application is generated; Send the fee reduction application to the review end so that the review end can determine whether the reduced outstanding bill meets the preset fee reduction conditions; If the overdue bill meets the preset reduction conditions, the overdue bill reduction operation will be performed based on the reduced overdue bill.

[0013] In one possible implementation, after determining whether the reduced overdue bill meets the preset reduction conditions through the auditing terminal, the process further includes: If the overdue bill does not meet the preset reduction conditions, then obtain the termination reduction instruction sent by the review terminal for the reduced overdue bill; Based on the termination of the fee reduction instruction, the original amount of the outstanding bill is restored.

[0014] Secondly, a device for reducing or waiving overdue payments is provided, comprising: A fee reduction request acquisition unit is used to acquire a fee reduction request for at least one overdue bill, the fee reduction request including a fee reduction strategy; The fee reduction / exemption determination unit is used to determine the fee reduction / exemption corresponding to the overdue bill based on the fee reduction / exemption strategy; The bill reduction / exemption generation unit is used to modify the outstanding amount corresponding to the outstanding bill based on the reduced / exemption fee and generate a bill with reduced / exemption.

[0015] Thirdly, a computer device is provided, including a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, wherein the processor, when executing the computer-readable instructions, implements the steps of the overdue payment reduction method as described above.

[0016] Fourthly, a readable storage medium is provided that stores computer-readable instructions, which, when executed by a processor, implement the steps of the overdue payment reduction method described above.

[0017] The aforementioned method, apparatus, computer equipment, and storage medium for reducing overdue payments include the following steps: obtaining a reduction request for at least one overdue bill, the reduction request including a reduction strategy; determining the reduction fee corresponding to the overdue bill based on the reduction request and the reduction strategy; modifying the overdue amount corresponding to the overdue bill based on the reduction fee, and generating a reduced overdue bill. In this embodiment, by supporting the acquisition of reduction requests for single / multiple overdue bills, and combining multi-type reduction strategy configuration and batch import processing mode, the efficiency bottleneck of traditional manual single-item processing is eliminated, significantly reducing the repetitive labor costs of finance and operations personnel. It can quickly respond to batch reduction needs in multiple scenarios such as property fees and parking fees. At the same time, relying on the review of preset reduction conditions, the execution standards of reduction strategies are standardized to avoid problems such as exceeding authority and illegal reductions. Combined with clear reduction strategy calculation rules and the priority deduction logic of penalty and principal, the calculation of reduction amount is ensured to be accurate, ensuring the consistency of financial data and billing records, meeting the regulatory requirements for compliance and traceability, and realizing closed-loop management of the entire process from the initiation, review, and calculation of reduction requests to subsequent adjustments. This enhances the business adaptability flexibility and risk control capabilities for different overdue payment scenarios such as owner difficulties and promotional offers. Attached Figure Description

[0018] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0019] Figure 1 This is a flowchart illustrating a method for reducing or waiving overdue fees according to an embodiment of the present invention. Figure 1 ; Figure 2 This is a flowchart illustrating a method for reducing or waiving overdue fees according to an embodiment of the present invention. Figure 2 ; Figure 3 This is a flowchart illustrating a method for reducing or waiving overdue fees according to an embodiment of the present invention. Figure 3 ; Figure 4 This is a flowchart illustrating a method for reducing or waiving overdue fees according to an embodiment of the present invention. Figure 4 ; Figure 5 This is a flowchart illustrating a method for reducing or waiving overdue fees according to an embodiment of the present invention. Figure 5 ; Figure 6 This is a schematic diagram of a debt reduction device according to an embodiment of the present invention; Figure 7 This is a schematic diagram of a computer device according to an embodiment of the present invention. Detailed Implementation

[0020] The technical solutions of the embodiments of the present invention will be clearly and completely described below 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.

[0021] In one embodiment, such as Figure 1 As shown, a method for reducing or waiving overdue fees is provided, including the following steps: In step S110, a waiver request for at least one overdue bill is obtained, the waiver request including a waiver strategy; It should be noted that the reduction / waiver strategy is a set of rules used to calculate the amount to be reduced on overdue bills, covering at least six types: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment penalties, discount on late payment penalties, and rounding down reduction. Specifically, discount reduction refers to reducing the bill amount according to a preset percentage; fixed amount reduction refers to reducing the fee by a set fixed amount; custom amount reduction refers to manually entering the reduction amount according to actual needs; full waiver of late payment penalties refers to waiving all late payment penalties on the bill; discount on late payment penalties refers to reducing the late payment penalty amount proportionally; and rounding down reduction refers to reducing a small amount from the bill's remaining balance. These various reduction / waiver strategies can be used individually or in combination.

[0022] Optionally, when overdue payment reduction is required, at least one reduction strategy matching the overdue bill can be selected from the pre-configured reduction strategies to initiate a single overdue bill reduction request or a batch of overdue bill reduction requests. It should be noted that requests for single overdue bills can meet personalized processing needs in special scenarios, such as a homeowner applying for a single penalty reduction due to an emergency. Requests for multiple overdue bills support a batch processing mode, which can simultaneously cover the same reduction requests from multiple homeowners under the same project, or the combined reduction requests for multiple different types of fees under the same homeowner's name.

[0023] In step S120, based on the reduction and exemption strategy, the reduction and exemption fee corresponding to the overdue bill is determined; Optionally, by extracting the principal amount, penalty amount, and other monetary data from the overdue bill, and then performing the corresponding fee reduction calculation operation according to the type of reduction strategy adopted (discount reduction, fixed amount reduction, custom amount reduction, full penalty waiver, penalty discount, rounding down reduction, or one or more combinations thereof), for example, when adopting the penalty discount strategy, the fee reduction is calculated based on the penalty amount according to a preset ratio; when adopting the fixed amount reduction strategy, the fixed amount is directly used as the fee reduction; when adopting the combined strategy, the fee reduction amount for different types of fees is calculated sequentially according to the preset priority, and finally the total fee reduction corresponding to the overdue bill is obtained.

[0024] In step S130, the amount owed corresponding to the overdue bill is modified based on the fee reduction, and a reduced overdue bill is generated.

[0025] Optionally, by retrieving the original composition information of the overdue bill, the specific values ​​of the principal amount and the penalty amount are determined. Based on preset deduction rules, such as deduction priority (e.g., deducting the penalty first, then the principal), deduction method (deducting only the penalty), and deduction ratio (e.g., full waiver of penalty for new users, 50% deduction of penalty for historical users), the overdue bill after deduction is finally generated based on the fee details after deduction. At the same time, the complete information of this amount modification is automatically recorded, including the operator, operation time, original amount, waived amount, and final amount, forming a traceable operation log to ensure the compliance and auditability of financial data.

[0026] In this application embodiment, a method for waiving overdue fees is provided, comprising: obtaining a waiver request for at least one overdue bill, the waiver request including a waiver strategy; determining the waiver fee corresponding to the overdue bill based on the waiver strategy; modifying the overdue amount corresponding to the overdue bill based on the waiver fee, and generating a waived overdue bill. In this embodiment, by supporting the acquisition of reduction requests for single / multiple overdue bills, and combining multi-type reduction strategy configuration and batch import processing mode, the efficiency bottleneck of traditional manual single-item processing is eliminated, significantly reducing the repetitive labor costs of finance and operations personnel. It can quickly respond to batch reduction needs in multiple scenarios such as property fees and parking fees. At the same time, relying on the review of preset reduction conditions, the execution standards of reduction strategies are standardized to avoid problems such as exceeding authority and illegal reductions. Combined with clear reduction strategy calculation rules and the priority deduction logic of penalty and principal, the calculation of reduction amount is ensured to be accurate, ensuring the consistency of financial data and billing records, meeting the regulatory requirements for compliance and traceability, and realizing closed-loop management of the entire process from the initiation, review, and calculation of reduction requests to subsequent adjustments. This enhances the business adaptability flexibility and risk control capabilities for different overdue payment scenarios such as owner difficulties and promotional offers.

[0027] See Figure 2In one embodiment of this application, obtaining a reduction request for at least one overdue bill, the reduction request including a reduction strategy, includes: In step S210, a reduction or exemption strategy is configured according to business needs. The reduction or exemption strategy includes at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full exemption of penalty, penalty discount, and rounding down reduction. In step S220, the reduction request is generated based on the selection of the reduction strategy corresponding to the overdue bill; The reduction request is generated based on the selection of the reduction policy corresponding to the overdue bill.

[0028] Optionally, a strategy library covering multiple reduction types can be configured according to the business needs of different overdue payment scenarios. The reduction strategies include at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment fees, discount on late payment fees, and rounding down to zero. This adapts to differentiated needs such as personalized reduction for a single bill and batch reduction for multiple bills. When overdue payment reduction is required, at least one reduction strategy matching the overdue bill can be selected from the strategy library based on the actual situation of the overdue bill (single or batch), such as the bill amount, overdue duration, and owner credit rating. After selection, a corresponding reduction request can be initiated for a single or multiple target overdue bills.

[0029] See Figure 3 In one embodiment of this application, obtaining a reduction request for at least one overdue bill, the reduction request including a reduction strategy, includes: In step S310, a data file containing at least one overdue bill is obtained; In step S320, based on the data file, a recommended reduction strategy for the overdue bill is generated. The recommended reduction strategy includes at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full exemption of late payment penalty, discount of late payment penalty, and rounding down reduction. In step 330, the exemption request is generated based on the recommended exemption strategy.

[0030] Optionally, staff (such as property management personnel) can import at least one data file (such as an Excel document) containing overdue bill information, perform structured parsing on the data file, extract bill features such as principal, late payment penalty, overdue duration, and user credit tag, intelligently match the extracted bill features with the mapping relationships in the rule base, and output the optimal recommended reduction strategy based on the actual bill scenario. Based on this recommended reduction strategy, a reduction request is generated. If multiple matching strategies exist, they are sorted according to a preset priority for the operator to choose from, thereby achieving accurate matching of the reduction strategy with the overdue bill. The recommended reduction strategy should at least include one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment penalty, late payment penalty discount, and rounding down.

[0031] For example, for bills with a low credit risk label, an overdue period of ≤30 days, and a penalty amount of <100 yuan, a penalty waiver strategy is matched; for bills with a medium credit risk label, an overdue period of 30-90 days, and a principal amount of >5000 yuan, a penalty discount or fixed amount reduction strategy is matched; for bills with a high credit risk label, only a rounding-down reduction strategy is matched.

[0032] See Figure 4 In one embodiment of this application, the step of modifying the outstanding amount corresponding to the outstanding bill based on the reduced or waived fees, and generating a reduced or waived outstanding bill, includes: In step S410, the amount of penalty and principal corresponding to the overdue bill are determined; In step S420, the priority of the fee reduction is determined based on the reduction strategy; In step S430, based on the reduction priority, the amount of the penalty and the principal amount are reduced in sequence, and a reduced overdue bill is generated.

[0033] Optionally, the corresponding penalty amount and principal amount can be extracted from the overdue bill. Based on the adopted reduction and exemption strategy, the deduction priority of this fee reduction and exemption can be further determined, that is, whether to deduct the penalty or the principal first. According to the reduction and exemption priority, the penalty amount and the principal amount are reduced and exempted in sequence. After the amount calculation is completed, the overdue bill after the reduction and exemption is generated. At the same time, the complete details of this reduction and exemption are recorded to ensure the traceability of the bill data.

[0034] In one embodiment of this application, based on the reduction priority, the amount of the penalty and the principal amount are reduced or waived sequentially, and a reduced or waived overdue bill is generated, including: If the priority of the reduction of the penalty amount is higher than the priority of the reduction of the principal amount, the reduced or exempted fees shall be used to offset all or part of the penalty amount first. Then, based on the remaining penalty amount after the offset, it shall be determined whether to continue to use the remaining reduced or exempted fees to offset the principal amount, so as to obtain the final amount of the outstanding fee after the reduction. If the priority of reducing the penalty amount is lower than the priority of reducing the principal amount, the reduced fees will be used first to offset all or part of the principal amount. Then, based on the remaining principal amount after the offset, it will be determined whether to continue using the remaining reduced fees to offset the penalty amount, resulting in the final amount of outstanding fees after reduction.

[0035] Optionally, if the priority of reducing the penalty amount is higher than the priority of reducing the principal amount, the penalty amount will be deducted first. By comparing the penalty amount with the reduced fees, it is determined whether the penalty amount can be completely covered by the reduced fees, i.e., whether the penalty amount is less than the reduced fees. If so, the entire penalty amount is deducted to obtain the remaining reduced fees, which are then deducted from the principal amount. The principal amount after deduction is used as the final reduced amount of outstanding fees. If the penalty amount cannot be completely covered by the reduced fees, i.e., whether the penalty amount is greater than or equal to the reduced fees, the reduced fees are deducted to obtain the remaining penalty amount. The remaining penalty amount is then summed with the principal amount to obtain the final reduced amount of outstanding fees. The entire deduction process is automatically completed by the system and generates detailed records, ensuring the accuracy and traceability of the amount calculation.

[0036] Similarly, if the priority of reducing the penalty amount is lower than that of reducing the principal amount, the principal amount in the bill is first compared with the approved reduction amount to determine whether the principal amount can be fully covered by the reduction amount. If the principal amount is greater than or equal to the reduction amount, an amount equal to the reduction amount is directly deducted from the principal amount. The remaining principal amount is then added to the unreduced penalty amount to obtain the final amount of the bill after reduction. If the principal amount is less than the reduction amount, the principal amount is deducted in full first, and then the remaining reduction amount is calculated. This remaining reduction amount is then used to offset the penalty amount. The remaining penalty amount after offsetting is the final amount of the bill after reduction. The entire offsetting process is automatically executed by the system and generates a detailed log containing the offsetting order, offsetting amount, and remaining amount, ensuring the accuracy and traceability of every amount change.

[0037] See Figure 5 In one embodiment of this application, after modifying the outstanding amount corresponding to the outstanding bill based on the reduced or waived fees and generating a reduced or waived outstanding bill, the method further includes: In step S510, a reduction application is generated based on the reduced outstanding bill; In step S520, the fee reduction application is sent to the review end so that the review end can determine whether the reduced overdue bill meets the preset fee reduction conditions. In step S530, if the overdue bill meets the preset reduction conditions, the overdue bill reduction operation is performed based on the reduced overdue bill.

[0038] It should be noted that after the reduced overdue bill is generated, a reduction application corresponding to the reduced overdue bill can be generated and sent to the review end (such as finance) to perform compliance and reasonableness verification of the reduction application, and to determine whether the reduced overdue bill meets the preset reduction conditions. The preset reduction conditions may cover multiple dimensions such as bill type requirements that are compatible with the reduction strategy, reduction amount threshold limits, user reduction permission requirements, and repeated reduction requests. The review end will compare and verify the overdue bill information, the selected reduction strategy and the preset reduction conditions carried in the reduction request item by item. If it is determined that all preset reduction conditions are met, the subsequent billing process based on the reduced overdue bill will be allowed.

[0039] In one embodiment of this application, determining whether the reduced overdue bill meets the preset reduction conditions through the review terminal includes: The auditing terminal verifies the user's credit tag corresponding to the overdue bill. If the user's credit label is a high-risk credit label, then determine whether the type of the reduction strategy is a rounding-down reduction, and whether the reduction amount for a single bill does not exceed a preset small amount threshold. If so, the preset reduction conditions are met; otherwise, the reduction application is blocked; and / or The system continuously calculates the total monthly reduction amount for the current project and determines whether the proportion of the total monthly reduction amount to the corresponding project's annual reduction budget exceeds a preset threshold. If so, a credit limit warning is triggered and the reduction application is blocked; otherwise, the preset reduction conditions are met. Determine whether the matching degree between the recommended reduction strategy and the overdue bill is lower than the preset matching threshold. If so, mark it as an abnormal reduction application, send it for manual review, and block the reduction application. Otherwise, it meets the preset reduction conditions.

[0040] Optionally, a multi-dimensional set of verification rules, constructed by combining business scenarios and risk control needs, can specifically include user credit tag verification, such as restricting the types of fee reduction strategies applicable to users with high-risk credit ratings; project fee reduction threshold verification, such as calculating the total monthly fee reduction for projects in real time and determining whether the proportion of this total to the corresponding project's annual fee reduction budget exceeds a preset threshold; fee reduction strategy and bill matching verification, such as determining whether the recommended fee reduction strategy is suitable for the current bill's arrears type, arrears duration, and other core characteristics; and operation permission verification, such as verifying whether the person initiating the fee reduction application has the corresponding fee reduction approval authority. Then, the bill information and strategy information carried in the fee reduction application can be compared and verified one by one with each rule in this multi-dimensional set of verification rules. If any dimension verification fails, the illegal fee reduction application is directly blocked, thereby ensuring the compliance and rationality of the fee reduction operation.

[0041] See Figure 5 In one embodiment of this application, after determining whether the reduced overdue bill meets the preset reduction conditions through the review terminal, the method further includes: In step S540, if the overdue bill does not meet the preset reduction conditions, a termination reduction instruction for the reduced overdue bill sent by the auditing terminal is obtained. In step S550, based on the termination of the fee reduction instruction, the original amount of the outstanding bill is restored.

[0042] Optionally, after generating the reduced-payment bill, a reverse operation function is also set up to deal with special scenarios such as failed review, owner withdrawal of application, or incorrect bill information entry. Specifically, if the reduced-payment bill does not meet the preset reduction conditions, a termination instruction for the effective reduced-payment bill will be obtained from the financial review end or system administrator with corresponding permissions. This instruction must be accompanied by a clear reason for termination and approval opinion. Subsequently, the system will automatically retrieve the original data records of the bill before the reduction operation stored in the local database, including core information such as the original principal amount, the original penalty amount, and the original total amount of arrears, and accurately restore the amount of the bill to the original amount of arrears before the reduction operation was executed. At the same time, the system will generate an operation log for terminating the reduction, recording in detail the instruction initiation time, initiator, reason for termination, and comparison details of the original amount and the reduced amount, ensuring that the entire amount change process is traceable.

[0043] In this embodiment, by supporting the acquisition of reduction requests for single / multiple overdue bills, and combining multi-type reduction strategy configuration and batch import processing mode, the efficiency bottleneck of traditional manual single-item processing is eliminated, significantly reducing the repetitive labor costs of finance and operations personnel. It can quickly respond to batch reduction needs in multiple scenarios such as property fees and parking fees. At the same time, relying on the review of preset reduction conditions, the execution standards of reduction strategies are standardized to avoid problems such as exceeding authority and illegal reductions. Combined with clear reduction strategy calculation rules and the priority deduction logic of penalty and principal, the calculation of reduction amount is ensured to be accurate, ensuring the consistency of financial data and bill records, meeting the regulatory requirements for compliance and traceability, and realizing closed-loop management of the entire process from the initiation, review, and calculation of reduction requests to subsequent adjustments. This enhances the business adaptability flexibility and risk control capabilities for different overdue payment scenarios such as owner difficulties and promotional offers.

[0044] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0045] In one embodiment, a device for reducing overdue payments is provided, which corresponds one-to-one with the overdue payment reduction methods described in the above embodiments. For example... Figure 6 As shown, the overdue payment reduction device includes a reduction request acquisition unit 10, a reduction fee determination unit 20, and a reduction bill generation unit 30. Detailed descriptions of each functional module are as follows: The fee reduction request acquisition unit 10 is used to acquire a fee reduction request for at least one overdue bill, the fee reduction request including a fee reduction strategy; The fee reduction / exemption determination unit 20 is used to determine the fee reduction / exemption corresponding to the overdue bill based on the fee reduction / exemption strategy; The bill reduction generation unit 30 is used to modify the outstanding amount corresponding to the outstanding bill based on the reduced amount and generate the outstanding bill after reduction.

[0046] In one embodiment of this application, the fee reduction request acquisition unit 10 is further configured to: Configure reduction and exemption strategies according to business needs. The reduction and exemption strategies include at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full exemption of penalty, penalty discount, and rounding down reduction. The reduction request is generated based on the selection of the reduction policy corresponding to the overdue bill.

[0047] In one embodiment of this application, the fee reduction request acquisition unit 10 is further configured to: Retrieve a data file containing at least one outstanding bill; Based on the data file, a recommended reduction strategy is generated for the overdue bill. The recommended reduction strategy includes at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment fee, discount on late payment fee, and rounding down to zero. The exemption request is generated based on the recommended exemption strategy.

[0048] In one embodiment of this application, the bill reduction / exemption generation unit 40 is further configured to: Determine the amount of the penalty and the principal amount corresponding to the outstanding bill; Based on the aforementioned fee reduction strategy, the priority of the fee reduction is determined; Based on the reduction priority, the amount of the penalty and the principal amount are reduced or waived in sequence, and a bill of arrears after reduction or waiver is generated.

[0049] In one embodiment of this application, the bill reduction / exemption generation unit 30 is further configured to: If the priority of the reduction of the penalty amount is higher than the priority of the reduction of the principal amount, then it is determined whether the penalty amount is greater than or equal to the reduced fee; If the priority of the reduction of the penalty amount is higher than the priority of the reduction of the principal amount, the reduced or exempted fees shall be used to offset all or part of the penalty amount first. Then, based on the remaining penalty amount after the offset, it shall be determined whether to continue to use the remaining reduced or exempted fees to offset the principal amount, so as to obtain the final amount of the outstanding fee after the reduction. If the priority of the penalty amount reduction is lower than the priority of the principal amount reduction, the reduced or exempted fees will be used to offset all or part of the principal amount first. Then, based on the remaining principal amount after the offset, it will be determined whether to continue to use the remaining reduced or exempted fees to offset the penalty amount, so as to obtain the final amount of outstanding fees after reduction.

[0050] In one embodiment of this application, the device further includes an overdue bill verification unit, used for: Based on the reduced outstanding bill, a reduction application is generated; Send the fee reduction application to the review end so that the review end can determine whether the reduced outstanding bill meets the preset fee reduction conditions; If the overdue bill meets the preset reduction conditions, the overdue bill reduction operation will be performed based on the reduced overdue bill.

[0051] In one embodiment of this application, the overdue bill verification unit is further configured to: If the overdue bill does not meet the preset reduction conditions, then obtain the termination reduction instruction sent by the review terminal for the reduced overdue bill; Based on the termination of the fee reduction instruction, the original amount of the outstanding bill is restored.

[0052] In this embodiment, by supporting the acquisition of reduction requests for single / multiple overdue bills, and combining multi-type reduction strategy configuration and batch import processing mode, the efficiency bottleneck of traditional manual single-item processing is eliminated, significantly reducing the repetitive labor costs of finance and operations personnel. It can quickly respond to batch reduction needs in multiple scenarios such as property fees and parking fees. At the same time, relying on the review of preset reduction conditions, the execution standards of reduction strategies are standardized to avoid problems such as exceeding authority and illegal reductions. Combined with clear reduction strategy calculation rules and the priority deduction logic of penalty and principal, the calculation of reduction amount is ensured to be accurate, ensuring the consistency of financial data and bill records, meeting the regulatory requirements for compliance and traceability, and realizing closed-loop management of the entire process from the initiation, review, and calculation of reduction requests to subsequent adjustments. This enhances the business adaptability flexibility and risk control capabilities for different overdue payment scenarios such as owner difficulties and promotional offers.

[0053] Specific limitations regarding the overdue payment reduction device can be found in the limitations on overdue payment reduction methods described above, and will not be repeated here. Each module in the aforementioned overdue payment reduction device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in the computer device in hardware form, or stored in the memory of the computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0054] In one embodiment, a computer device is provided, which may be a terminal device, and its internal structure diagram may be as follows: Figure 7 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes a readable storage medium storing computer-readable instructions. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer-readable instructions implement a method for reducing outstanding fees. The readable storage medium provided in this embodiment includes both non-volatile and volatile readable storage media.

[0055] In this application embodiment, a computer device is provided, including a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor. When the processor executes the computer-readable instructions, it implements the steps of the above-described arrears reduction method.

[0056] In this application embodiment, a readable storage medium is provided, which stores computer-readable instructions. When the computer-readable instructions are executed by a processor, they implement the steps of the above-described arrears reduction method.

[0057] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing related hardware with computer-readable instructions. These computer-readable instructions can be stored in a non-volatile readable storage medium or a volatile readable storage medium. When executed, these computer-readable instructions can include the processes of the embodiments of the methods described above. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0058] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is used as an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0059] The above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. A method for reducing or waiving overdue fees, characterized in that, The method includes: Obtain a waiver request for at least one overdue bill, the waiver request including a waiver strategy; Based on the aforementioned reduction and exemption strategy, the reduction and exemption fees corresponding to the overdue bills are determined; Based on the fee reduction, modify the outstanding amount corresponding to the outstanding bill to generate a reduced outstanding bill.

2. The overdue payment reduction method as described in claim 1, characterized in that, The step of obtaining a waiver request for at least one overdue bill, the waiver request including a waiver strategy, includes: Configure reduction and exemption strategies according to business needs. The reduction and exemption strategies include at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full exemption of penalty, penalty discount, and rounding down reduction. The reduction request is generated based on the selection of the reduction policy corresponding to the overdue bill.

3. The method for reducing or waiving overdue fees as described in claim 1, characterized in that, The step of obtaining a waiver request for at least one overdue bill, the waiver request including a waiver strategy, includes: Retrieve a data file containing at least one outstanding bill; Based on the data file, a recommended reduction strategy is generated for the overdue bill. The recommended reduction strategy includes at least one or more of the following: discount reduction, fixed amount reduction, custom amount reduction, full waiver of late payment fee, discount on late payment fee, and rounding down to zero. The exemption request is generated based on the recommended exemption strategy.

4. The method for reducing or waiving overdue fees as described in claim 1, characterized in that, The process of modifying the outstanding amount corresponding to the overdue bill based on the reduced or waived fees, and generating a reduced or waived overdue bill, includes: Determine the amount of the penalty and the principal amount corresponding to the outstanding bill; Based on the aforementioned fee reduction strategy, the priority of the fee reduction is determined; Based on the reduction priority, the amount of the penalty and the principal amount are reduced or waived in sequence, and a bill of arrears after reduction or waiver is generated.

5. The overdue payment reduction method as described in claim 4, characterized in that, The process of reducing or waiving the penalty amount and the principal amount sequentially based on the reduction or waiver priority, and generating a post-reduction bill, includes: If the priority of the reduction of the penalty amount is higher than the priority of the reduction of the principal amount, the reduced or exempted fees shall be used to offset all or part of the penalty amount first. Then, based on the remaining penalty amount after the offset, it shall be determined whether to continue to use the remaining reduced or exempted fees to offset the principal amount, so as to obtain the final amount of the outstanding fee after the reduction. If the priority of the penalty amount reduction is lower than the priority of the principal amount reduction, the reduced or exempted fees will be used to offset all or part of the principal amount first. Then, based on the remaining principal amount after the offset, it will be determined whether to continue to use the remaining reduced or exempted fees to offset the penalty amount, so as to obtain the final amount of outstanding fees after reduction.

6. The method for reducing or waiving overdue fees as described in any one of claims 1-5, characterized in that, After modifying the outstanding amount corresponding to the outstanding bill based on the reduced or waived fees and generating the reduced or waived outstanding bill, the process also includes: Based on the reduced outstanding bill, a reduction application is generated; Send the fee reduction application to the review end so that the review end can determine whether the reduced outstanding bill meets the preset fee reduction conditions; If the overdue bill meets the preset reduction conditions, the overdue bill reduction operation will be performed based on the reduced overdue bill.

7. The overdue payment reduction method as described in claim 6, characterized in that, After determining through the audit terminal whether the reduced overdue bill meets the preset reduction conditions, the process also includes: If the overdue bill does not meet the preset reduction conditions, then obtain the termination reduction instruction sent by the review terminal for the reduced overdue bill; Based on the termination of the fee reduction instruction, the original amount of the outstanding bill is restored.

8. A device for reducing or waiving overdue payments, characterized in that, The device includes: A fee reduction request acquisition unit is used to acquire a fee reduction request for at least one overdue bill, the fee reduction request including a fee reduction strategy; The fee reduction / exemption determination unit is used to determine the fee reduction / exemption corresponding to the overdue bill based on the fee reduction / exemption strategy; The bill reduction / exemption generation unit is used to modify the outstanding amount corresponding to the outstanding bill based on the reduced / exemption fee and generate a bill with reduced / exemption.

9. A computer device comprising a memory, a processor, and computer-readable instructions stored in the memory and executable on the processor, characterized in that, When the processor executes the computer-readable instructions, it implements the steps of the arrears reduction method as described in any one of claims 1 to 7.

10. A readable storage medium storing computer-readable instructions, characterized in that, When the computer-readable instructions are executed by a processor, they implement the steps of the arrears reduction method as described in any one of claims 1 to 7.

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