Method, device, medium and product for processing a phone bill

Abstract

This application discloses a method, apparatus, medium, and product for processing phone bills, relating to the field of phone bill calculation technology. The method includes: acquiring basic communication information of a user for the current day; the basic communication information includes at least user service subscription information, communication resource usage information, and user status information; determining the user's actual billing information for the current day based on the basic communication information; inputting the basic communication information into a preset large language model to determine the user's billing data within the billing cycle and generating a virtual billing bill; and performing risk pre-control processing on the user based on the virtual billing bill. The solution of this application solves the problems of existing solutions being unable to predict consumption in advance and lacking personalized credit control reminders.

Description

Technical Field

[0001] This application relates to the field of telephone bill calculation technology, specifically to a telephone bill processing method, apparatus, medium, and product. Background Technology

[0002] In the current technology landscape, 5G-A has been gradually commercialized in the communications industry. As personal, family, government, and enterprise services, as well as emerging businesses, become increasingly complex, the service requirements of communication users are also gradually increasing. Users are no longer satisfied with the simple billing information provided by telecom operators; they want to understand their entire month's consumption and how different services and tariffs will affect their bills.

[0003] Currently, the billing systems of various telecom operators are built on the personal business logic of the 4G era. From bill pre-processing, discount calculation, bill accumulation to bill cancellation, they all adopt a centralized single process. The display of call bills is also complex in content and monotonous in form. Users often have doubts about the charges on their bills, which can no longer meet the new requirements of users for communication consumption display. Summary of the Invention

[0004] At least one embodiment of this application provides a method, apparatus, medium, and product for processing phone bills, which addresses the problems of existing solutions being unable to predict consumption in advance and lacking personalized credit control reminders.

[0005] To solve the above-mentioned technical problems, this application is implemented as follows:

[0006] In a first aspect, embodiments of this application provide a method for processing phone bills, including:

[0007] Obtain the user's basic communication information for the day; the basic communication information includes at least user service subscription information, communication resource usage information, and user status information.

[0008] Based on the basic communication information, determine the user's actual billing statement for the day;

[0009] The basic communication information is input into a preset large language model to determine the user's billing data within the billing cycle and generate a virtual billing bill.

[0010] Based on the virtual billing statement, risk pre-control measures are taken for the user.

[0011] Optionally, based on the basic communication information, the user's actual billing statement for the day is determined, including:

[0012] Based on the basic communication information, the service subscription information, communication resource usage information, and user status information are obtained; the service subscription information includes the user's current package type, tariff validity period, and service activation status; the communication resource usage information includes call duration, data usage, number of SMS messages sent, and usage time range; the user status information includes account balance, credit rating, real-name authentication status, and whether the user is currently participating in a promotional activity.

[0013] Based on the business order information, the billing rules are matched, the billing algorithm is invoked, and the various fee standards are determined;

[0014] Based on the communication resource usage information and the various fee standards, calculate the call charges, data charges, and SMS charges, summarize the call charges, data charges, and SMS charges, and determine the communication billing for the day;

[0015] Based on the user status information, determine the fee reduction / exemption items and the deduction strategy;

[0016] Based on the daily communication billing, the exemption items, and the deduction policy, the user's actual billing statement for the day is determined.

[0017] Optionally, the basic communication information is input into a preset large language model to determine the user's billing data within the billing cycle and generate a virtual billing statement, including:

[0018] The basic communication information is input into the large language model trained based on historical consumption data and user behavior characteristics, and the large language model is used to output the user's predicted communication resource demand.

[0019] Based on the predicted communication resource demand and the monthly package rules, the user's billing data for the billing cycle is determined and a virtual billing statement is generated.

[0020] The virtual billing bill is equipped with a virtual identifier, which is used to distinguish it from the actual billing bill; the virtual billing bill is stored in association with the actual billing bill.

[0021] Optionally, based on the virtual billing statement, risk pre-control measures are performed on the user, including:

[0022] Obtain the total periodic cost of the virtual billing bill within the billing period and the user's current account balance;

[0023] Calculate the difference between the current account balance and the total periodic fee; the difference is used to assess the user's financial adequacy during the billing cycle.

[0024] When the difference is lower than a first preset threshold, an early payment reminder process is triggered; the early payment reminder process includes: generating a payment reminder message and sending it to the user; the payment reminder message includes the billing cycle fee details and the payment deadline, the deadline being the end time of the billing cycle corresponding to the virtual billing bill; the first preset threshold is the minimum guaranteed amount to meet the user's normal communication needs.

[0025] Optionally, after determining the user's actual billing statement for the day based on the basic communication information, the method further includes:

[0026] Store the actual billing invoice in the billing database;

[0027] Based on the actual billing statement, determine whether the user's balance after deduction is lower than a second preset threshold; the user's balance is the remaining available funds in the account; the second preset threshold is the balance standard corresponding to the user's credit rating.

[0028] When the user's balance is lower than the second preset threshold, the user's outbound calling function is restricted or the user's communication service is suspended, and the actual billing statement is sent to the user for display.

[0029] Optionally, after performing risk pre-control processing on the user based on the virtual billing statement, the method further includes:

[0030] Receive a user query instruction sent by the user; the user query instruction is used to query the user's estimated billing information.

[0031] Parse the user query command to obtain the user's estimated billing information within the billing cycle; the estimated billing information is generated based on the actual billing bill and the virtual billing bill; the estimated billing information includes: the user's estimated communication resource usage, the estimated total amount of various fees, and a fee composition analysis for the billing cycle.

[0032] The estimated billing information is sent to the user.

[0033] Optionally, after performing risk pre-control processing on the user based on the virtual billing statement, the method further includes:

[0034] The actual billing invoice and the virtual billing invoice are periodically retrieved;

[0035] Based on the actual billing statement, the user's account charges are deducted in real time, and the user's account balance is updated.

[0036] Based on the virtual billing statement, calculate the user's actual funding gap, and based on the actual funding gap, freeze the user's account balance, or generate an early payment reminder message and send it to the user respectively; the early payment reminder message is used to notify the end-of-month payment deadline.

[0037] Secondly, embodiments of this application provide a telephone bill processing device, comprising:

[0038] The acquisition module is used to acquire the user's basic communication information for the day; the basic communication information includes at least user service subscription information, communication resource usage information, and user status information.

[0039] The first determining module is used to determine the user's actual billing bill for the day based on the basic communication information.

[0040] The second determining module is used to input the basic communication information into a preset large language model, determine the user's billing data within the billing cycle, and generate a virtual billing bill.

[0041] The first processing module is used to perform risk pre-control processing on the user based on the virtual billing bill.

[0042] Thirdly, embodiments of this application provide a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the steps of the method as described in any one of the first aspects.

[0043] Fourthly, embodiments of this application provide a computer program product, including computer instructions, which, when executed by a processor, implement the steps of the method as described in any one of the first aspects.

[0044] Compared with existing technologies, the billing processing method, apparatus, medium, and product provided in this application obtain the user's basic communication information for the day. This basic communication information includes at least user service subscription information, communication resource usage information, and user status information. Based on this basic communication information, the actual billing information for the day is determined, and a virtual billing information is generated based on historical features using a large language model. Based on the virtual billing information, risk pre-control measures are implemented for the user. Compared with existing technologies, this application introduces a virtual billing mechanism, filling the gap in advance prediction and upgrading from a single real-time billing model to a real-time and predictive model. This allows users to anticipate their monthly consumption levels and enables operators to provide personalized credit control reminders based on user profiles, effectively solving the problems of users being unable to anticipate their consumption and lacking personalized credit control reminders. Attached Figure Description

[0045] Various other advantages and benefits will become apparent to those skilled in the art upon reading the following detailed description of preferred embodiments. The accompanying drawings are for illustrative purposes only and are not intended to limit the scope of this application. Furthermore, the same reference numerals denote the same parts throughout the drawings. In the drawings:

[0046] Figure 1 One of the flowcharts illustrating the phone bill processing method provided in this application embodiment;

[0047] Figure 2 This is a schematic diagram of the architecture of the phone bill processing system provided in the embodiments of this application;

[0048] Figure 3 A second flowchart illustrating the method for processing phone bills provided in this application embodiment;

[0049] Figure 4 This is a schematic diagram of the structure of the bill processing device provided in the embodiments of this application. Detailed Implementation

[0050] The technical solutions of the embodiments of this application will be clearly described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this application. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0051] The terms "first," "second," etc., used in the specification and claims of this application are used to distinguish similar objects and are not used to describe a specified order or sequence. It should be understood that such use of data can be interchanged where appropriate so that embodiments of this application can be implemented in orders other than those illustrated or described herein, and the objects distinguished by "first" and "second" are generally of the same class, not limited in number; for example, a first object can be one or more. Furthermore, in the specification and claims, "and" indicates at least one of the connected objects, and the character " / " generally indicates that the preceding and following objects are in an "or" relationship.

[0052] The term "instruction" in this application can be either a direct instruction (or explicit instruction) or an indirect instruction (or implicit instruction). A direct instruction can be understood as one in which the sender explicitly informs the receiver of specific information, the operation to be performed, or the requested result, etc.; an indirect instruction can be understood as one in which the receiver determines the corresponding information based on the instruction sent by the sender, or makes a judgment and determines the operation to be performed or the requested result, etc., based on the judgment result.

[0053] As described in the background section, current billing systems are mostly built on 4G logic, and related solutions can only display information "after the fact." Existing solutions often involve template reorganization or tag matching of already generated real-time bills, essentially presenting data that has already occurred. They cannot provide simulated billing effects after subscription or cancellation, preventing users from planning ahead. Traditional credit control methods are rigid and lack personalized processing, often resulting in users receiving frequent and intrusive overdue payment reminders via SMS, severely impacting user experience. To address at least one of these problems, this application provides a method, apparatus, medium, and product for processing phone bills, which can reduce or avoid these situations, fill gaps in pre-prediction, and improve user experience.

[0054] This application provides a method, apparatus, medium, and product for processing phone bills. The method and apparatus are based on the same concept, and since they solve problems in similar principles, their implementations can be mutually referenced; repeated details will not be repeated.

[0055] Please refer to Figure 1 This application provides a method for processing phone bills, including:

[0056] Step 11: Obtain the user's basic communication information for the day; the basic communication information includes at least user service subscription information, communication resource usage information, and user status information.

[0057] Optionally, the basic communication information includes at least:

[0058] User service subscription information, such as the user's currently active main package, optional packages, value-added services, and the effective and expiration times of tariffs;

[0059] Information on the use of communication resources, such as the total call duration, data usage, number of SMS messages sent, time periods for each service, and network type used;

[0060] User status information, such as user online status, available account balance, credit rating, participation in promotional activities, and whether the service is suspended or resumed.

[0061] This application can utilize the billing and accounting system to trigger the data collection process at fixed times or in real-time each day to obtain basic communication information of users for that day. By interfacing with the business support system and call detail record (CDR) collection system, and using the user's number as a unique identifier, the application can complete the unified collection and formatting of the above information to form a basic dataset of user communication for that day.

[0062] Step 12: Determine the user's actual billing statement for the day based on the basic communication information;

[0063] Step 13: Input the basic communication information into the preset large language model, determine the user's billing data within the billing cycle, and generate a virtual billing bill;

[0064] Step 14: Perform risk pre-control processing on the user based on the virtual billing bill.

[0065] In this embodiment, based on the collected basic communication information, pre-designed billing rules and algorithms are invoked to calculate the costs of the user's actual communication activities on that day, generating a daily billing statement. This statement represents the user's actual consumption amount up to that day, used for real-time account reconciliation, balance deduction, and consumption display; it is a verifiable and verifiable proof of the user's actual expenses. The formatted basic communication information is input into a pre-trained large language model. This model is trained based on the user's historical multi-period consumption data, usage patterns, service preferences, and package rules. It can predict the user's total communication resource usage throughout the entire monthly billing cycle based on the daily usage and calculate the estimated cost for the entire cycle. Based on the prediction results, the system generates a virtual billing statement and assigns a virtual identifier to it, clearly distinguishing it from the actual billing statement within the system, while also storing it in association with the daily actual billing statement. The credit control module reads the estimated cost for the entire cycle from the virtual billing statement and, combined with the user's current available account balance, predicts potential insufficient balance and arrears risks at the end of the billing cycle.

[0066] It should be noted that risk control measures will be implemented based on the prediction results, including but not limited to: freezing part of the user's account balance, sending users advance payment reminders, and implementing tiered credit control reminders for high-risk users, thereby preventing issues such as concentrated arrears, concentrated payment reminders, and concentrated service suspension at the end of the month, and improving accounting stability and user experience.

[0067] Reference Figure 2As shown, this application provides a telephone bill processing system, which includes: a query module: users can access the bill query module through relevant applications (APP), web pages, SMS, etc., and this module is used to provide users with detailed billing and consumption information. A calculation module: the operator uses this module to calculate various types of bills to meet user needs, currently divided into a billing calculation module and an artificial intelligence (AI) calculation module. The AI ​​calculation module utilizes current AI large-scale model technology to provide users with personalized billing information. Actual billing: based on basic data such as user subscription information and status information, combined with the user's current telecommunications resources, the system calculates the user's real-time bill. Virtual billing: based on the user's real-time bill and the user's subscribed tariff information, the system calculates the call charges to be collected at the end of the month or other times, for advance display; this part is marked as virtual collection. Estimated billing information: based on the user's actual billing and virtual billing, and using the AI ​​large-scale model, based on the user's past monthly consumption, the system models the user and calculates the communication resources that may be used later in the month, forming a specific bill suitable for the user. Users can pre-order or cancel some products, and the AI ​​will calculate the corresponding estimated bill.

[0068] Specifically, the query module first receives the user's bill query command and then initiates two calculation paths in parallel: On the one hand, the query module extracts the user's call detail records and fixed-fee bills and sends them to the billing calculation module to calculate the real-time charges up to the present and generate the actual bill (actual charge bill); on the other hand, the actual bill, the user's historical consumption data, and the user's proposed new service / fee information are all fed into the AI ​​calculation module. This module, on the one hand, generates a fictitious charge bill (fictitious charge bill) with a fictitious charge indicator based on the current bill and fees, which is used to display the user's consumption forecast at the end of the month. On the other hand, it builds a model based on the user's historical consumption habits and calculates the estimated bill information (estimated bill) for simulated scenarios of the services the user intends to handle, thereby providing the user with a full-process billing service from real-time consumption to full-month forecast and service change simulation.

[0069] Optionally, step 12 above includes:

[0070] Based on the basic communication information, the service subscription information, communication resource usage information, and user status information are obtained; the service subscription information includes the user's current package type, tariff validity period, and service activation status; the communication resource usage information includes call duration, data usage, number of SMS messages sent, and usage time range; the user status information includes account balance, credit rating, real-name authentication status, and whether the user is currently participating in a promotional activity.

[0071] Based on the business order information, the billing rules are matched, the billing algorithm is invoked, and the various fee standards are determined;

[0072] Based on the communication resource usage information and the various fee standards, calculate the call charges, data charges, and SMS charges, summarize the call charges, data charges, and SMS charges, and determine the communication billing for the day;

[0073] Based on the user status information, determine the fee reduction / exemption items and the deduction strategy;

[0074] Based on the daily communication billing, the exemption items, and the deduction policy, the user's actual billing statement for the day is determined.

[0075] In this embodiment, the acquired basic communication information is parsed and broken down to extract: service subscription information, including the user's current package type, package resource limit, tariff effective time, expiration time, activation status of various services, and mutual exclusion relationships; communication resource usage information, including outgoing call duration, incoming call duration, domestic / roaming data usage, number of SMS / MMS messages sent, and the time interval, usage location, and access network type corresponding to the above usage behaviors; and user status information, including the current available account balance, user credit rating, whether real-name authentication has been completed, whether the user is under contract, and whether the user is participating in promotional activities such as call charge rebates and discounts.

[0076] Based on the user's currently active plan and service information, the system matches the corresponding in-plan billing rules, out-of-plan billing rules, discount stacking rules, and capping rules from the billing rule library. For the three basic communication activities—calls, data, and SMS—the system determines the corresponding unit price, billing unit, discount, and tiered billing standards to form a personalized billing calculation standard applicable to the user for that day.

[0077] According to the established fee standards, the user's actual call duration, data usage, and SMS messages are billed item by item for the day, resulting in separate call charges, data charges, and SMS charges. These itemized charges are then added together to obtain the user's total daily communication bill, which is the original cost before considering discounts or reductions. Based on the user's status information, it is determined whether the user meets the conditions for call charge reductions, credit deductions, contract refunds, or promotional discounts, thus determining the applicable reduction items and amounts. Simultaneously, based on the user's credit rating, account status, and network duration, the real-time deduction priority, partial reduction rules, and whether to allow overdue payments are determined. Based on the total daily communication bill, the reduction amount is deducted, discounts are applied, and adjustments are made according to the deduction strategy to ultimately form the user's actual daily bill. This bill represents the user's actual daily charges and serves as the direct basis for the billing system to execute real-time cancellations and deduct from the account balance.

[0078] Optionally, the basic communication information is input into a preset large language model to determine the user's billing data within the billing cycle and generate a virtual billing statement, including:

[0079] The basic communication information is input into the large language model trained based on historical consumption data and user behavior characteristics, and the large language model is used to output the user's predicted communication resource demand.

[0080] Based on the predicted communication resource demand and the monthly package rules, the user's billing data for the billing cycle is determined and a virtual billing statement is generated.

[0081] The virtual billing bill is equipped with a virtual identifier, which is used to distinguish it from the actual billing bill; the virtual billing bill is stored in association with the actual billing bill.

[0082] In this embodiment, basic communication information is input into a large language model trained on historical data to obtain predicted communication resource demand. For example, user's daily service subscription information, used communication resource information, and user status information can be uniformly formatted and input into the large language model. This large language model is trained based on user behavior characteristics such as historical consumption data from multiple consecutive billing cycles, daily usage patterns, weekend or end-of-month usage characteristics, and service change habits. It can combine the remaining days of the billing cycle to output the user's predicted call duration, predicted data usage, and predicted number of SMS messages for the entire billing cycle, i.e., the predicted communication resource demand. Based on the predicted communication resource demand output by the model, combined with the user's current package's in-package resources, out-of-package fees, and periodic billing rules, the call fee, data fee, SMS fee, and fixed fee for the period are calculated item by item, summarizing to obtain the estimated total cost for the entire billing cycle, forming complete billing data. Based on this billing data, a virtual billing statement is generated.

[0083] It should be noted that this application adds a dedicated virtual identifier field to the virtual billing bill to strictly distinguish it from the actual billing bill during the accounting, credit control, and billing display stages, thereby avoiding erroneous cancellations and deductions. Simultaneously, using the user identifier and billing cycle as indexes, the virtual billing bill and the actual billing bill for the same day are linked and stored in the billing database, ensuring that both types of billing data can be accessed synchronously during subsequent queries, reconciliation, and credit control processing.

[0084] Optionally, based on the virtual billing statement, risk pre-control measures are performed on the user, including:

[0085] Obtain the total periodic cost of the virtual billing bill within the billing period and the user's current account balance;

[0086] Calculate the difference between the current account balance and the total periodic fee; the difference is used to assess the user's financial adequacy during the billing cycle.

[0087] When the difference is lower than a first preset threshold, an early payment reminder process is triggered; the early payment reminder process includes: generating a payment reminder message and sending it to the user; the payment reminder message includes the billing cycle fee details and the payment deadline, the deadline being the end time of the billing cycle corresponding to the virtual billing bill; the first preset threshold is the minimum guaranteed amount to meet the user's normal communication needs.

[0088] In this embodiment, the credit control module reads the virtual billing bill for the user's current billing cycle from the billing database and extracts the estimated total cost for the cycle. Simultaneously, it obtains the user's current available account balance in real time from the accounting module; this balance represents funds that are not frozen and can be directly used for billing. The credit control module calculates the difference between the user's current account balance and the total cost for the virtual billing cycle. This difference reflects the user's financial coverage throughout the entire billing cycle. If the difference is positive and sufficient, it indicates that the user has ample funds at the end of the month and a low risk of overdue payments; if the difference is small or negative, it indicates that the user faces the risk of insufficient balance at the end of the cycle and inability to fully pay off debts.

[0089] The system pre-configures a first preset threshold, which is the minimum account balance required to ensure normal communication and prevent sudden service outages. When the calculated difference is lower than this first preset threshold, the system determines that the user has a high risk of overdue payments and automatically triggers an early payment reminder process: the system generates a reminder message containing the estimated cost structure for the period, the estimated total amount, the payment channel, and the end time of the billing cycle, and sends it to the user via SMS, app push notifications, etc., reminding the user to prepay their phone bill in advance to avoid the end-of-month payment peak and ensure uninterrupted communication services.

[0090] Furthermore, after determining the user's actual billing statement for the day based on the basic communication information, the method further includes:

[0091] Store the actual billing invoice in the billing database;

[0092] Based on the actual billing statement, determine whether the user's balance after deduction is lower than a second preset threshold; the user's balance is the remaining available funds in the account; the second preset threshold is the balance standard corresponding to the user's credit rating.

[0093] When the user's balance is lower than the second preset threshold, the user's outbound calling function is restricted or the user's communication service is suspended, and the actual billing statement is sent to the user for display.

[0094] In this embodiment, the generated and verified daily bill is written into the bill database in a structured record format. Record fields include user identifier, billing date, itemized charges, total charges, discount amount, deduction time, and bill status, enabling persistent storage of bill data for subsequent reconciliation, auditing, user queries, and credit control. The billing module deducts the actual bill amount from the user's account in real time and updates the account's available balance. The system obtains the latest balance after deduction and compares it with a second preset threshold. This second preset threshold is dynamically configured based on the user's credit rating; higher-credit users have a lower threshold, while ordinary users have a higher threshold, used to trigger credit control actions in a tiered manner. If the user's available balance after deduction is lower than the second preset threshold, the credit control module automatically executes corresponding control policies: restricting the user's outgoing call function, or suspending data, SMS, and other communication services when the balance remains insufficient and certain conditions are met. Simultaneously, the system pushes the daily bill to the user in the form of a consumption notification, clearly displaying the daily consumption details, account balance, and reasons for service restrictions, allowing the user to intuitively understand their current consumption and account status.

[0095] Optionally, after performing risk pre-control processing on the user based on the virtual billing statement, the method further includes:

[0096] Receive a user query instruction sent by the user; the user query instruction is used to query the user's estimated billing information.

[0097] Parse the user query command to obtain the user's estimated billing information within the billing cycle; the estimated billing information is generated based on the actual billing bill and the virtual billing bill; the estimated billing information includes: the user's estimated communication resource usage, the estimated total amount of various fees, and a fee composition analysis for the billing cycle.

[0098] The estimated billing information is sent to the user.

[0099] In this embodiment, after completing risk pre-control processing, the system also supports users actively querying estimated billing information. Users initiate query requests through channels such as mobile service halls, SMS commands, or mini-programs, and the system receives the user's query instruction. This instruction carries a user identifier and query type, clearly specifying the request to obtain estimated billing information for the current billing cycle. The system parses the query instruction, determines the user's identity and query needs, and then synchronously retrieves the user's actual billing bill and virtual billing bill from the billing database.

[0100] Based on the fusion calculation of the two types of bills, estimated billing information is generated, including: the estimated total usage and remaining availability of communication resources within the billing cycle; the estimated amount of each communication expense and the total cost within the cycle; and cost composition analysis, such as the proportion of usage within the billing unit, the proportion of expenses outside the billing unit, and the proportion of fixed costs.

[0101] The system organizes the estimated billing information into either a webpage display or SMS text format, returning it to the user's query interface or sending it to the user's terminal. Users can use this estimated billing information to plan their communication resource usage in advance and schedule payment accordingly, achieving predictable and manageable consumption.

[0102] Optionally, after performing risk pre-control processing on the user based on the virtual billing statement, the method further includes:

[0103] The actual billing invoice and the virtual billing invoice are periodically retrieved;

[0104] Based on the actual billing statement, the user's account charges are deducted in real time, and the user's account balance is updated.

[0105] Based on the virtual billing statement, calculate the user's actual funding gap, and based on the actual funding gap, freeze the user's account balance, or generate an early payment reminder message and send it to the user respectively; the early payment reminder message is used to notify the end-of-month payment deadline.

[0106] In this embodiment, based on risk pre-control processing, the system continuously performs bill updates and dynamic credit control processing on a daily cycle. The system re-collects the user's latest basic communication information on a fixed daily cycle, updating the actual billing statement for that day. Simultaneously, the latest data is input into a large language model to re-predict the usage and cost for the entire billing cycle, updating the virtual billing statement to ensure that both types of bills are consistent with the user's real-time behavior. The billing module performs real-time deduction of the corresponding call charges from the user's account daily based on the latest actual billing statement amount, and simultaneously updates the account's available balance, frozen balance, and used credit limit, ensuring that the billing data is consistent with the consumption behavior in real time. The credit control module recalculates the user's actual funding gap within the billing cycle based on the updated virtual billing statement and the real-time account balance.

[0107] Depending on the size of the funding gap, the system takes corresponding risk control measures: for users with a gap, a portion of the account balance is frozen according to the amount of the gap to ensure that the debt can be fully cleared at the end of the period; for users with a large funding gap and high risk, an early payment reminder message is generated to clearly inform the user of the estimated amount of arrears and the payment deadline, so as to realize risk prevention and reduce the probability of concentrated arrears and concentrated shutdowns at the end of the month, and improve the overall operational stability.

[0108] Reference Figure 2 and Figure 3As shown, in one specific implementation, the call charge billing system may also include a bill cancellation module (not shown in the diagram). First, the call charge billing system reads the user's basic communication information (including subscribed products, communication resource usage, status information, etc.). This information serves as the core data source, flowing to the billing calculation module and the AI ​​calculation module respectively. The billing calculation module reads the user's billing statement and fixed-fee statement, and after bill cancellation processing, generates the actual billing statement. Similarly, after processing by the bill cancellation module, the system calculates the full-month bill based on the user's actual subscription data (including the portion collected at the end of the month), generating a virtual billing statement (virtual collection bill). This part involves balance freezing logic. Through the AI ​​calculation module, the system reads data and builds a user model to generate estimated billing information.

[0109] On the actual billing bill side: the bill is used to send consumption reminders to users; when the credit control conditions are met, it triggers user credit control actions (such as restricting outbound calls, suspending service, etc.).

[0110] Virtual billing billing side: The bill is used for early payment reminders (when the balance is insufficient); at the same time, this module allows users to query their monthly consumption, helping them to control their overall consumption level.

[0111] Estimated billing information: This information is used for iterative updates to the user model; ultimately supporting users in making consumption decisions (such as pre-ordering or canceling products) and achieving rational planning of communication resources.

[0112] Furthermore, after reading the user's basic information, the billing system generates a real-receipt bill through the billing calculation module and a fictitious bill and an estimated bill through the AI ​​calculation module, each labeled with a different bill identifier. Subsequently, the bill cancellation module of the billing system processes the cancellation based on the user's account balance, specifically including two modes: Real-time cancellation: Deducting fees in real time for real-receipt bills. Virtual cancellation (balance freeze): For fictitious bills, the system freezes a portion of the user's balance in advance to ensure the user has sufficient funds to cancel the bill at the end of the month. This mechanism distributes the calculation of the entire month's billing costs across daily periods, reducing system pressure during monthly billing and enabling more accurate calculation of estimated monthly revenue to support marketing decisions.

[0113] Credit control-based early warning and feedback. The bill cancellation module of the phone bill processing system performs differentiated processing on two types of bills before executing credit control actions: Real-time feedback: The cancellation module deducts charges and updates the user's balance in real time based on the actual bills received, and sends real-time consumption reminders to the user in a timely manner, informing them of the current actual consumption amount and details. Early warning: The cancellation module judges based on the difference between the false bills received and the account balance. When it predicts that the balance at the end of the month will be insufficient, the system proactively triggers an early payment reminder mechanism (sending reminder SMS) to avoid the peak payment period at the end of the month. Through this step, users can not only view their actual consumption, but also pay attention to the estimated consumption for the month, thereby making subsequent consumption decisions.

[0114] In the final bill display interaction, the system supports users to perform three types of queries:

[0115] View current actual consumption: When users check their bills, the current actual consumption details based on the bills received are directly displayed;

[0116] View full-month spending forecast: If users are concerned about their spending level for the whole month, the system will display the inflated bills and explain the meaning of each inflated bill item to help users control their spending limits;

[0117] Estimated billing simulation decision-making: Users can choose to view estimated bills and simulate pre-ordering or canceling service charges within the system. AI uses user models to calculate the simulated estimated bills in real time and displays them to the user, thereby assisting the user in making real-time decisions on whether to add or cancel certain service charges, achieving a reasonable allocation of communication resources.

[0118] In summary, this application constructs a billing calculation module encompassing three bill types, an AI calculation module, and credit control processing. It proposes concepts such as actual bills, fictitious bills, and estimated bills. Based on user models and different consumption scenarios, it establishes a credit control strategy for bill distribution and displays bills according to user-personalized choices. Users can simulate various scenarios, such as subscribing to or canceling service charges. This AI-powered method and device for rapidly calculating phone bills addresses the limitations of existing technologies in predicting phone bill consumption based on user needs, enabling users to make advance decisions, and facilitating system-wide predictions.

[0119] The various methods of the embodiments of this application have been described above. Apparatus for implementing the above methods will now be provided.

[0120] Please refer to Figure 4 This application also provides a telephone bill processing device, including:

[0121] The acquisition module 41 is used to acquire the basic communication information of users on the same day; the basic communication information includes at least user service subscription information, communication resource usage information and user status information;

[0122] The first determining module 42 is used to determine the user's actual billing bill for the day based on the basic communication information.

[0123] The second determining module 43 is used to input the basic communication information into a preset large language model, determine the user's billing data within the billing cycle, and generate a virtual billing bill.

[0124] The first processing module 44 is used to perform risk pre-control processing on the user based on the virtual billing bill.

[0125] Optionally, the first determining module 42 described above is specifically used for:

[0126] Based on the basic communication information, the service subscription information, communication resource usage information, and user status information are obtained; the service subscription information includes the user's current package type, tariff validity period, and service activation status; the communication resource usage information includes call duration, data usage, number of SMS messages sent, and usage time range; the user status information includes account balance, credit rating, real-name authentication status, and whether the user is currently participating in a promotional activity.

[0127] Based on the business order information, the billing rules are matched, the billing algorithm is invoked, and the various fee standards are determined;

[0128] Based on the communication resource usage information and the various fee standards, calculate the call charges, data charges, and SMS charges, summarize the call charges, data charges, and SMS charges, and determine the communication billing for the day;

[0129] Based on the user status information, determine the fee reduction / exemption items and the deduction strategy;

[0130] Based on the daily communication billing, the exemption items, and the deduction policy, the user's actual billing statement for the day is determined.

[0131] Optionally, the second determining module 43 described above is specifically used for:

[0132] The basic communication information is input into the large language model trained based on historical consumption data and user behavior characteristics, and the large language model is used to output the user's predicted communication resource demand.

[0133] Based on the predicted communication resource demand and the monthly package rules, the user's billing data for the billing cycle is determined and a virtual billing statement is generated.

[0134] The virtual billing bill is equipped with a virtual identifier, which is used to distinguish it from the actual billing bill; the virtual billing bill is stored in association with the actual billing bill.

[0135] Optionally, the first processing module 44 described above is specifically used for:

[0136] Obtain the total periodic cost of the virtual billing bill within the billing period and the user's current account balance;

[0137] Calculate the difference between the current account balance and the total periodic fee; the difference is used to assess the user's financial adequacy during the billing cycle.

[0138] When the difference is lower than a first preset threshold, an early payment reminder process is triggered; the early payment reminder process includes: generating a payment reminder message and sending it to the user; the payment reminder message includes the billing cycle fee details and the payment deadline, the deadline being the end time of the billing cycle corresponding to the virtual billing bill; the first preset threshold is the minimum guaranteed amount to meet the user's normal communication needs.

[0139] Optionally, the apparatus of this application further includes:

[0140] The second processing module is used to store the actual billing bill into the billing database;

[0141] The third processing module is used to determine, based on the actual billing statement, whether the user's balance after deduction is lower than a second preset threshold; the user's balance is the remaining available funds in the account; the second preset threshold is the balance standard corresponding to the user's credit rating;

[0142] The fourth processing module is used to restrict the user's outbound calling function or suspend the user's communication service when the user's balance is lower than the second preset threshold, and to send the actual billing bill to the user for display.

[0143] Optionally, the apparatus of this application further includes:

[0144] The fifth processing module is used to receive a user query instruction sent by the user; the user query instruction is used to query the user's estimated bill information.

[0145] The sixth processing module is used to parse the user query command and obtain the user's estimated billing information within the billing cycle; the estimated billing information is generated based on the actual billing bill and the virtual billing bill; the estimated billing information includes: the user's estimated communication resource usage, the estimated total amount of various fees, and a fee composition analysis for the billing cycle.

[0146] The seventh processing module is used to send the estimated bill information to the user.

[0147] Optionally, the apparatus of this application further includes:

[0148] The eighth processing module is used to periodically obtain the actual billing bill and the virtual billing bill;

[0149] The ninth processing module is used to deduct the user's account call charges in real time based on the actual billing statement and update the user's account balance;

[0150] The tenth processing module is used to calculate the user's actual funding gap based on the virtual billing statement, and freeze the user's account balance based on the actual funding gap, or generate an early payment reminder message and send it to the user respectively; the early payment reminder message is used to notify the end-of-month payment deadline.

[0151] It should be noted that the device in this embodiment corresponds to the method described above, and the implementation methods in each of the above embodiments are applicable to the embodiments of this device, achieving the same technical effect. The device provided in this application embodiment can implement all the method steps implemented in the above method embodiments and achieve the same technical effect. Therefore, the parts and beneficial effects that are the same as those in the method embodiments will not be described in detail here.

[0152] This application also provides a computer-readable storage medium storing a computer program. When executed by a processor, the computer program implements the various processes of the above-described method for processing phone bills, achieving the same technical effects. To avoid repetition, it will not be described again here. The computer-readable storage medium may be a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.

[0153] This application also provides a computer program product, including computer instructions. When the computer instructions are executed by a processor, they implement the various processes of the above-described method for processing phone bills and achieve the same technical effect. To avoid repetition, they will not be described again here.

[0154] It should be noted that the collection, gathering, updating, analysis, processing, use, transmission, and storage of user personal information involved in this disclosed technical solution all comply with relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken to prevent unauthorized access to user personal information data and to safeguard user personal information security and network security.

[0155] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0156] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. The computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) and includes several instructions to cause a terminal (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in the various embodiments of this application.

[0157] The embodiments of this application have been described above with reference to the accompanying drawings. However, this application is not limited to the specific embodiments described above. The specific embodiments described above are merely illustrative and not restrictive. Those skilled in the art can make many other forms under the guidance of this application without departing from the spirit and scope of the claims, and all of these forms are within the protection scope of this application.

Claims

1. A method of processing a charge bill, characterized by, include: Obtain basic communication information of users for the current day; The basic communication information includes at least user service subscription information, communication resource usage information, and user status information. Based on the basic communication information, determine the user's actual billing statement for the day; The basic communication information is input into a preset large language model to determine the user's billing data within the billing cycle and generate a virtual billing bill. Based on the virtual billing statement, risk pre-control measures are taken for the user.

2. The method of claim 1, wherein, Based on the aforementioned basic communication information, determine the user's actual billing statement for the day, including: Based on the basic communication information, the service subscription information, communication resource usage information, and user status information are obtained; the service subscription information includes the user's current package type, tariff validity period, and service activation status; the communication resource usage information includes call duration, data usage, number of SMS messages sent, and usage time range; the user status information includes account balance, credit rating, real-name authentication status, and whether the user is currently participating in a promotional activity. Based on the business order information, the billing rules are matched, the billing algorithm is invoked, and the various fee standards are determined; Based on the communication resource usage information and the various fee standards, calculate the call charges, data charges, and SMS charges, summarize the call charges, data charges, and SMS charges, and determine the communication billing for the day; Based on the user status information, determine the fee reduction / exemption items and the deduction strategy; Based on the daily communication billing, the exemption items, and the deduction policy, the user's actual billing statement for the day is determined.

3. The method of claim 1, wherein, The basic communication information is input into a preset large language model to determine the user's billing data within the billing cycle and generate a virtual billing statement, including: The basic communication information is input into the large language model trained based on historical consumption data and user behavior characteristics, and the large language model is used to output the user's predicted communication resource demand. Based on the predicted communication resource demand and the monthly package rules, the user's billing data for the billing cycle is determined and a virtual billing statement is generated. The virtual billing bill is equipped with a virtual identifier, which is used to distinguish it from the actual billing bill; the virtual billing bill is stored in association with the actual billing bill.

4. The method of claim 1, wherein, Based on the virtual billing statement, risk pre-control measures are performed on the user, including: Obtain the total periodic cost of the virtual billing bill within the billing period and the user's current account balance; Calculate the difference between the current account balance and the total periodic fee; the difference is used to assess the user's financial adequacy during the billing cycle. When the difference is lower than a first preset threshold, an early payment reminder process is triggered; the early payment reminder process includes: generating a payment reminder message and sending it to the user; the payment reminder message includes the billing cycle fee details and the payment deadline, the deadline being the end time of the billing cycle corresponding to the virtual billing bill; the first preset threshold is the minimum guaranteed amount to meet the user's normal communication needs.

5. The method of claim 1, wherein, After determining the user's actual billing statement for the day based on the basic communication information, the method further includes: Store the actual billing invoice in the billing database; Based on the actual billing statement, determine whether the user's balance after deduction is lower than a second preset threshold; the user's balance is the remaining available funds in the account; the second preset threshold is the balance standard corresponding to the user's credit rating. When the user's balance is lower than the second preset threshold, the user's outbound calling function is restricted or the user's communication service is suspended, and the actual billing statement is sent to the user for display.

6. The method according to claim 1, characterized in that, After performing risk pre-control processing on the user based on the virtual billing statement, the method further includes: Receive a user query instruction sent by the user; the user query instruction is used to query the user's estimated billing information. Parse the user query command to obtain the user's estimated billing information within the billing cycle; the estimated billing information is generated based on the actual billing bill and the virtual billing bill; the estimated billing information includes: the user's estimated communication resource usage, the estimated total amount of various fees, and a fee composition analysis for the billing cycle. The estimated billing information is sent to the user.

7. The method according to claim 1, characterized in that, After performing risk pre-control processing on the user based on the virtual billing statement, the method further includes: The actual billing invoice and the virtual billing invoice are periodically retrieved; Based on the actual billing statement, the user's account charges are deducted in real time, and the user's account balance is updated. Based on the virtual billing statement, calculate the user's actual funding gap, and based on the actual funding gap, freeze the user's account balance, or generate an early payment reminder message and send it to the user respectively; the early payment reminder message is used to notify the end-of-month payment deadline.

8. A telephone bill processing device, characterized in that, include: The acquisition module is used to acquire basic communication information of users for the current day. The basic communication information includes at least user service subscription information, communication resource usage information, and user status information. The first determining module is used to determine the user's actual billing bill for the day based on the basic communication information. The second determining module is used to input the basic communication information into a preset large language model, determine the user's billing data within the billing cycle, and generate a virtual billing bill. The first processing module is used to perform risk pre-control processing on the user based on the virtual billing bill.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the steps of the method as described in any one of claims 1 to 7.

10. A computer program product, characterized in that, Includes computer instructions that, when executed by a processor, implement the steps of the method as described in any one of claims 1 to 7.

Images