26 results about "Arrears" patented technology

Disclosed are various embodiments for generating user points for payment actions applied to an owed balance from eligible payment accounts or source accounts associated with an entity. In some examples, a system comprises a client device that is configured to receive payment action data from a client device associated with a user identifier. A payment action is identified for an owed balance assigned to the user identifier. The payment action comprises a first identifier for a source account and a second identifier for the owed balance. A common attribute is identified between the first identifier and the second identifier. A payment amount for the payment action is determined to have been held for a threshold time period. The payment amount for the payment action is determined to have been cleared. A user point amount for the user identifier is generated.

The invention relates to the technical field of communication operation, and particularly provides a customer arrearage payment reminding method and device, and the method comprises the following steps: S1, defining a payment reminding strategy based on the actual service current situation of an operator; s2, in combination with a service support system of an operator, perfecting execution actions of the system; s3, defining an arrearage payment reminding rule; s4, defining a timed task executed by the payment reminding action; s5, intervening bad users in advance; s6, setting a committed repayment function; s7, setting an installment payment function; s8, statistical analysis of arrearage records is carried out; and S9, based on an automation function, batch import of arrearage user data is provided. Compared with the prior art, the debt recovery rate can be improved, the payment reminding cost can be reduced, the user relationship can be maintained, and the financial health and sustainable development of operators can be guaranteed.

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.

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.

The embodiment of the invention provides a user account management method and system, a storage medium and a program product. The method comprises the steps of determining whether a target user opens a financial credit line service or not when it is monitored that a communication account is triggered to arrearage and shut down for the target user; if the target user opens the financial credit line service, a financial line deduction request is sent to a financial credit granting system according to the communication account insufficiency of the target user, and the financial line deduction request is used for requesting to deduct a financial account line corresponding to the communication account insufficiency for a financial account of the target user; and when a deduction success response sent by the financial credit extension system is received, the communication account arrearage of the target user is updated to 0, and the execution of the communication account arrearage shutdown on the target user is canceled, and the deduction success response corresponds to the financial credit line deduction request. According to the method, malicious overdraft risks can be effectively prevented and controlled, and the shutdown probability of the user can be reduced.

The invention provides a comprehensive evaluation method and device for personal credit, equipment and a medium, and relates to the technical field of credit evaluation, and the method comprises the steps: obtaining debt data, repayment data and negotiation data of a target user; taking the scoring result as a first repayment willingness score of the target user; performing text conversion on the call recording to obtain a call recording text; analyzing the call recording text to obtain a second repayment willingness score of the target user; based on the first repayment willingness score and the second repayment willingness score, obtaining a total repayment willingness score of the target user; and calculating a personal credit score of the target user according to the debt data, the repayment data, the call parameters and the total repayment willingness score. According to the method and the device, the debt data, the repayment data and the negotiation data are combined to comprehensively and comprehensively evaluate the personal credit, so that an accurate, comprehensive and reliable personal credit score can be obtained.

The invention provides an arrearage recovery method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining an arrearage order of a parking lot management party, and enabling the arrearage order to correspond to the information of an arrearage vehicle owner and a recovery mode; generating an arrearage reminding notification corresponding to the arrearage order based on the recovery mode; and based on the arrearage vehicle owner information, pushing the arrearage reminding notification to a corresponding arrearage vehicle owner, and when the arrearage vehicle owner clicks the arrearage reminding notification, skipping to a corresponding payment interface based on the reclaiming mode to perform arrearage supplementary payment. The arrearage order of each parking lot is uniformly acquired through the arrearage management platform, the reminding is generated according to the preset reclaiming mode and pushed to the vehicle owner, the centralized processing of multiple parking lots is supported, the cross-channel repeated query and payment are avoided, and the repayment efficiency and experience are remarkably improved; and the resumption modes can be configured according to different parking lot requirements, and proper arrearage reminding is selected according to the requirements of different parking lots, so that the arrearage resumption process is more flexible and adaptive.

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.

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.

The present invention proposes a method and system for generating a property fee collection strategy based on user profiles. The method includes: obtaining multiple categories of first behavior data of target users, generating user profiles including multiple categories of first characteristic values, matching a first strategy set based on the user profiles; obtaining first arrears information representing arrears scenarios, updating each first characteristic value to a second characteristic value using multiple first weight values ​​associated with the first arrears information, matching a second strategy set from multiple preset collection strategies based on multiple second characteristic values; and determining a first target strategy based on the intersection of the first strategy set and the second strategy set. According to the technical solution of an embodiment of the present invention, it is possible to perform secondary matching of collection strategies using the first characteristic value and the second characteristic value, and obtain a target payment strategy by taking the intersection of the two matched strategies. The target payment strategy is more suitable for the payment ability, intention, and scenario of the target user, thereby improving the reliability of the target payment strategy and the collection efficiency.

The invention provides an electric charge recovery monitoring method and device, a storage medium and computer equipment, and the method comprises the steps: carrying out the statistics of the debt period and the debt total amount of each debt user through the electric charge debt data, and determining a fee payment strategy of each debt user according to the debt period and the debt total amount of each debt user, and then, by taking the meter reading teams and the meter readers as statistical dimensions, according to the total debt amount and the debt strategy of each debt user, determining debt tracking data and debt strategy distribution of each meter reading team and the debt user corresponding to each meter reader, and further generating a team billboard report and a personal billboard report of each meter reader. By generating the team billboard report and the personal billboard report of each meter reader, the electric charge recovery condition of each meter reading team and each meter reader is summarized, so that the meter readers can directly obtain the analyzed and summarized reports to assist the meter readers in better carrying out electric charge recovery work, and the electric charge recovery efficiency is further improved.

The invention provides a method for solving social vicious serial debts by using a consumption redebt loan system. The system comprises a consumption part and a finance part. And when the user consumes in the consumption section, 1-10 times of points can be obtained according to the amount of money consumed by the user. The user can apply for the amount of interest-free debt-returning money on the platform according to the amount of credits in the platform, and a credit report or a collateral is not needed. The user can pay the loan for personal debt, and the loan cannot be withdrawn to a personal bank card. When the user repays the personal debt, the user finds the account of the opposite side by searching the telephone number of the opposite side, and after the consent of the opposite side is confirmed, the money can be directly transferred as the debt. And after the debt user withdraws the debt, if the debt user also has the debt of other people, the debt is redebted to the debt owner in the same way. And if no debt exists, the returned remaining debt can be consumed and used in the platform. The method has the advantages that the debtor can actively register and input debt information of the debtor and actively return the debt. The debtor wants to have a meal when repaying the debt without effort, the bank or other financial companies need to check personal credit reports when making loans, most of the debtors are poor in credit investigation and cannot apply for bank loans, and the unique feasible method is that the debtors apply for credit loans through consumption accumulation points, so that the debtors cannot apply for the bank loans through consumption accumulation points. And the users are encouraged to return debts of others. Similarly, the method can also bring certain consumption stimulation benefits to entity economy. The method also has a particularly effective effect on processing unhealthy assets of banks.

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.

The invention provides an arrearage payment reminding method, an electronic device, a storage medium and a computer program product, and the method comprises the steps: determining the payment reminding response probability of a user, the payment reminding response probability being used for representing the sensitive degree of the user to payment reminding; analyzing the time sequence of the arrearage behavior of the user, and generating an aging prediction result which is used for representing a risk period of future arrearage of the user; based on the payment reminding response probability and the timeliness prediction result, determining a payment reminding priority score of the user; and determining a payment reminding sequence of the user based on the payment reminding priority score, and calling and reminding the user to pay according to the payment reminding sequence. According to the invention, the individual difference and arrearage risk of the users are fully considered, a unified payment reminding strategy is prevented from being adopted for all the users, the payment reminding efficiency is improved, the user experience is improved, the bad debt risk is reduced, the user loss is reduced, and the resource waste is avoided.

Disclosed are various embodiments for generating user points for payment actions applied to an owed balance from eligible payment accounts or source accounts associated with an entity. In some examples, a system comprises a computing device that is configured to receive payment action data from a client device associated with a user identifier. A payment action is identified for an owed balance assigned to the user identifier. The payment action comprises a first identifier for a source account and a second identifier for the owed balance. A common attribute is identified between the first identifier and the second identifier. A payment amount for the payment action is determined to have been held for a threshold time period. The payment amount for the payment action is determined to have been cleared. A user point amount for the user identifier is generated.

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.

The present invention proposes a litigation document management method, device, equipment, and medium based on real estate information. The method includes: after filtering out the target arrears items based on the target duration, generating an approval list and initiating an approval request, recording the number of approvals for each target real estate information; adding the approved arrears to the corresponding target data pool, and after the target data pool meets the approval number, sending a litigation request to the target litigation system to obtain litigation documents, generating target progress information corresponding to the litigation documents, and updating the progress based on the payment status of the target arrears items. According to the technical solution of the embodiment of the present invention, it is possible to automatically filter arrears items and initiate approval based on the target duration, and automatically request litigation documents after the target data pool is filled, realizing automatic aggregation and asynchronous collaboration, improving the management efficiency of litigation documents, and being able to generate progress information based on litigation documents, and automatically update the progress based on the payment status of the target arrears items, improving the application flexibility of litigation documents.

The invention provides an electric charge payment reminding grading method and device, electronic equipment and a storage medium, and the method comprises the steps: determining the arrearage feature information of an arrearage user, classifying the arrearage user based on the arrearage feature information, and obtaining a first clustering center; marking the defaulting users in the first clustering center to obtain defaulting user marking information; performing decision structure construction based on the defaulting user marking information to obtain a defaulting user risk grading decision tree; and correcting the defaulting user risk grading decision-making tree to obtain a corrected grading decision-making tree. According to the invention, the dynamic change of user behaviors can be accurately reflected, manual annotation deviation is eliminated, high-dimensional data is efficiently processed, multi-dimensional user grouping is realized, and the matching degree of a payment reminding strategy and user credit is improved.

The invention discloses a property fee collection system based on a large model, and relates to the technical field of large model and property management, and the system comprises a data collection and integration module, a large model training and optimization module, a collection strategy generation module, a collection execution and feedback module, and a monitoring and evaluation module. According to the method, multi-source heterogeneous data can be rapidly analyzed through a large model technology, arrearage reasons and repayment willingness are accurately predicted, personalized collection strategies are dynamically generated, the collection process is adjusted and optimized in real time, the collection efficiency and success rate are remarkably improved, meanwhile, it is ensured that collection behaviors are legal and compliant, and the relationship between property management and owners is improved.

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.

The present invention discloses a method and system for automatically accruing capitalized interest based on the payment caliber of engineering funds. The method comprises the following steps: for candidate accrual projects corresponding to general loan contracts, when the total investment budget amount of all candidate accrual projects is greater than the total amount of the loan contract, all candidate accrual projects are subjected to secondary analysis, the accrual projects and the loan amounts corresponding to the accrual projects are re-determined, and the accrual interest of the re-determined accrual projects is analyzed using a pre-designed accrual method; otherwise, the accrual interest of each candidate accrual project is directly analyzed using a pre-designed accrual method based on the full amount of capital expenditure information of each candidate accrual project; for candidate accrual projects corresponding to special loan contracts, the accrual interest of the candidate accrual projects is analyzed using a pre-designed accrual method. The present invention accrues capitalized interest according to the payment caliber of engineering project funds, thereby improving the completeness and accuracy of capitalized interest accrual.

The present invention provides a delayed closing type fee control system, comprising: a load management circuit, including a load management terminal FK1, which is electrically connected to a power vending controller and is used to receive arrears information and payment information and issue corresponding instructions; a tripping circuit, including an automatic tripping circuit, which is communicatively connected to the load management circuit; a closing circuit, including an automatic closing circuit, which is communicatively connected to the load management circuit; and a delay control circuit, which is communicatively connected to the load management circuit and the closing circuit, respectively. When the load management terminal receives the arrears information, it sends a tripping pulse signal, and the load management circuit controls the automatic tripping circuit to conduct, and simultaneously triggers the delay control circuit, which is used to control the closing delay of the closing circuit until the load management terminal receives the payment signal. When the load management terminal receives the payment information, the automatic closing circuit conducts. The present invention realizes automatic buffer closing of fee control, improves power efficiency, and has high safety.

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.

The invention provides an automatic case pushing system, and the system comprises a property management system which is used for recording data related to property management and uploading property sheet information to a mediation platform according to the needs, so as to generate a mediation case; the proprietor platform is used for logging in a community proprietor account and confirming property arrearage, and providing a platform for uploading a money return voucher photo for the proprietor; the mediation platform is used for receiving and processing the mediation cases, automatically classifying the cases of the same type, receiving money return voucher photos uploaded by owners, carrying out image-text recognition verification and debt calculation according to the money return voucher photos, confirming case mediation states, and automatically pushing the cases which are successfully mediated to a property management system in the early morning every day; according to the invention, the arrearage information is automatically captured from the property management system according to the property management order information uploaded to the mediation platform by the property management system, and the mediation case is automatically generated, so that errors and workload of manual input are reduced, and the cases of the same type are automatically classified according to the property management order information, so that the case processing efficiency is improved.

The present invention provides a method and system for generating proof materials for claim amounts. The method includes: obtaining credit card transaction flow data; calculating the total number of periods corresponding to the credit card transaction flow data and the step period corresponding to each total period; extracting first transaction flow data and second transaction flow data from the credit card transaction flow data according to the first step period and the second step period respectively; using a decision tree algorithm to generate first credit class queue data, first repayment class queue data, and second repayment class queue data according to the first transaction flow data and the second transaction flow data; using a deduction algorithm to calculate the previous period's outstanding debt data in the second period's bill according to the first credit class queue data, the first repayment class queue data, and the second repayment class queue data; obtaining the first proof material for the claim amount according to the previous period's outstanding debt data in the second period's bill. Thus, it is possible to automatically generate proof materials for claims, effectively support the online trial of cases, and reduce the work burden.

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.