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9 results about "Arrears" patented technology

Arrears (or arrearage) is a legal term for the part of a debt that is overdue after missing one or more required payments. The amount of the arrears is the amount accrued from the date on which the first missed payment was due. The term is usually used in relation with periodically recurring payments such as rent, bills, royalties (or other contractual payments), and child support.

Arrearage reduction method and device, computer equipment and storage medium

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.
Owner:SHENZHEN KEMANDA INTELLIGENT MANAGEMENT SCI &TECH

Reservation payment method based on expressway free flow toll collection

The invention relates to the technical field of intelligent traffic management systems, in particular to an appointment payment method based on expressway free flow toll collection. An existing free flow charging technology mainly adopts a postmortem fee deduction mode, the problem of fee deduction failure caused by insufficient account balance, payment channel faults and the like exists, then arrearage, overdue money and follow-up cost recovery are generated, and user experience and charging management efficiency are seriously affected. According to the invention, through establishing a whole-process management mode of beforehand reservation-in-event verification-after-event settlement, a user can set a travel plan and select a reservation payment mode through a terminal before travel, and the system generates an estimated cost based on a built-in charging standard; in the vehicle passing process, the road side sensing data and the vehicle positioning data are fused, and the consistency of the actual driving path and the reserved path is accurately verified; and finally, executing corresponding fee deduction operation according to a verification result.
Owner:ANHUI WANTONG TECH

Data processing method, device and equipment

PendingCN121810367Arecover bad debtsReduce labor input costsFinanceCommerceResource informationData mining
The embodiment of the invention discloses a data processing method, device and equipment, and the method comprises the steps: obtaining a commercial tenant identifier of a target commercial tenant and a business identifier of the target business when it is detected that the deduction operation of resources needed for a target commercial tenant to use the target business fails; based on the merchant identifier and the business identifier, obtaining resource information accumulatively defaulted by the target merchant and account resource information of the target merchant, and based on the resource information accumulatively defaulted by the target merchant and the account resource information of the target merchant, determining resource information actually defaulted by the target merchant; and when the resource information actually defaulted by the target merchant breaks through reference resource information configured in a preset credit control strategy, setting the state of using the target business by the target merchant as a punishment state, and when it is detected that the resource information actually defaulted by the target merchant is changed and reference resource information configured in the preset credit control strategy is not broken down, cancelling the punishment state of using the target business by the target merchant.
Owner:ALIPAY COM CO LTD

Communication service payment management method, system, equipment and medium

PendingCN121961580AHumanized payment managementIntelligent payment managementOffice automationCommerceComputer networkOperations research
The embodiment of the invention discloses a communication service payment management method and system, equipment and a medium. The method comprises the following steps: determining a real-time balance of a user; if the real-time balance meets a first preset condition, historical activity data of the user is obtained, and the optimal overdraft limit of the user is determined according to the historical activity data; if the real-time balance is smaller than the optimal overdraft limit, determining a recommended payment limit of the user according to the historical activity data; and generating a payment short message based on the recommended payment amount and sending the payment short message to the user. The invention provides a communication service payment management method. And when the user is in arrearage, determining the optimal overdraft quota of the user according to the historical activity data of the user, generating a recommended payment quota for the user, and sending the payment quota to the user through a short message. According to the method, the user is not stopped directly, the recommended payment quota is generated for reference of the user, and the reliable recommended payment quota is provided, so that the stopping payment management of the user is more humanized and intelligent.
Owner:XINYANG BRANCH HENAN CO LTD OF CHINA MOBILE COMM CORP +1

A method and system for processing overdue parking fees and related payment settlements.

This invention relates to the field of order settlement technology, and in particular to a method and system for processing parking fee arrears order-linked supplementary payment settlement. The invention proposes the following scheme: when a vehicle enters any linked parking lot entrance and is identified, the system retrieves the outstanding arrears order based on the vehicle identifier and generates a supplementary payment interaction entry to trigger payment; after successful payment, a supplementary payment transaction record is generated, and the order ownership identifier is parsed to determine the original parking lot with the arrears, and settlement routing is executed to deposit funds into the original parking lot's account. To address anomalies such as out-of-order callbacks, duplicate notifications, and missing receipts, an order status chain and a fund clearing chain are constructed separately. A dual verification relationship between the order summary and the receipt summary is established based on a consistency arbitration key, and consistency determination is completed through time window constraints. When the determination fails, the split type is identified, and self-healing processes such as freezing, retrying, rerouting, and rollback / supplementary generation are triggered to restore the consistency of the two chains before updating the clearing status and enabling linked release.
Owner:SUZHOU YOUXIANXIN NETWORK LIFE SERVICE TECH CO LTD

Electronic non-stop parking fee charging system management method, fee deduction method and device

PendingCN122435697ADigital currencyToll road
The application provides a management method and device and a fee deduction method of an electronic non-stop parking fee collection system. The balance of a high-speed special sub-wallet is obtained by entering a toll road section, the balance is compared when driving out, and the corresponding amount is frozen if the balance is sufficient, so that sufficient funds can be used for fee deduction in the clearing and settlement stage, completely solving the problem of bad debts caused by bank / operation party prepayment and user arrears in the existing prepayment mode, and saving the cumbersome process of subsequent fee recovery, reducing the prepayment pressure and management cost of the operation party. Based on the account balance in the high-speed special sub-wallet associated with the bank account, the bottom is realized, the on-board unit only needs to complete the balance query and instruction sending function in the software layer, does not need to integrate a special hardware carrier such as a digital currency hard wallet, does not need to modify the existing auxiliary equipment of the electronic toll lane system, and can be directly adapted to the existing ETC hardware architecture, solving the defects of the existing digital currency hard wallet scheme.
Owner:SHENZHEN CHENGGU TECH CO LTD

Boot compensation method and device, electronic equipment and storage medium

The application provides a startup compensation method and device, electronic equipment and a storage medium. The startup compensation method comprises the following steps: monitoring a payment task table, and determining whether the payment task table meets a compensation condition; in response to the payment task table meeting the compensation condition, obtaining payment information and arrears information of each user in the payment task table, and determining a startup task table according to the payment information and the arrears information; determining a startup mode of each user to be started according to a startup task quantity in the startup task table, and performing startup compensation on the user to be started according to the startup mode, so as to solve the technical problem that a user cannot be started in time in the prior art.
Owner:XINYANG BRANCH HENAN CO LTD OF CHINA MOBILE COMM CORP +1

Arrears early warning method and device, electronic equipment and storage medium

Embodiments of the present application provide an arrears early warning method and device, electronic equipment and storage medium, the method comprises: obtaining the current remaining amount of a user, the monthly package amount, the historical average arrears amount and the remaining days until the next payment, inputting the monthly subscription amount, the historical average arrears amount and the remaining days until the next payment into an arrears early warning threshold prediction model to obtain an arrears early warning threshold, wherein the arrears early warning threshold prediction model is obtained by training the historical arrears related data of the user, and the current remaining amount and the arrears early warning threshold are used to trigger the early warning behavior for the user. In the embodiments of the present application, the current remaining amount of the user, the monthly package amount, the historical average arrears amount and the remaining days until the next payment are combined to predict the arrears early warning threshold of each user, the accuracy of the arrears early warning threshold is improved, and the predicted arrears early warning threshold is adapted to the user.
Owner:CHINA TELECOM CORP LTD

Social security supplementary payment estimation method, device, equipment, medium and product

This application provides a method, apparatus, device, medium, and product for calculating social security contribution arrears, including: constructing a prediction model to determine the contribution classification result of the target user based on the target user's social security contribution status and corresponding external environmental variables; determining the amount of arrears based on the arrears parameters input by the target user and the geographical parameters of the target user's place of social security participation; predicting the corresponding final pension value of the target user based on the amount of arrears and the contribution classification result, and outputting the predicted final pension value along with the corresponding arrears parameters and geographical parameters. The above method takes the user's social security contribution status as the starting point, combines user behavior characteristics, regional policy differences, and social security policy rules, identifies potential arrears contribution groups through a prediction model, and dynamically simulates the impact of arrears contribution behavior on the final pension value based on a linkage calculation model of the amount of arrears contribution and the number of years of arrears contribution.
Owner:BANK OF COMMUNICATIONS