CN107507088A - Collection management method and server - Google Patents
Collection management method and server Download PDFInfo
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- CN107507088A CN107507088A CN201710759251.1A CN201710759251A CN107507088A CN 107507088 A CN107507088 A CN 107507088A CN 201710759251 A CN201710759251 A CN 201710759251A CN 107507088 A CN107507088 A CN 107507088A
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Abstract
The embodiment of the invention discloses a kind of collection management method and server, wherein method includes：The target information of destination object is obtained, the target information is the information needed for the class belonging to the determination destination object；The class belonging to the destination object is determined according to the client's collection model and the target information pre-established；Collection path corresponding to the destination object is determined according to the class belonging to the destination object, collection path is combination of the information notification means with talking about art content；The collection path is sent to customer side corresponding to the destination object.In the embodiment of the present invention, the class belonging to the destination object is determined according to client's collection model corresponding to destination object；The collection path of the destination object is determined by the class belonging to the destination object, can accurately determine the suitable collection path of the destination object, improves the efficiency that collection is refunded.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of collection management method and server.
Background technology
Personal consumption loan refers to the RMB for having specified consumer applications that bank and other financial mechanism is provided to individual client
Loan transaction, purposes mainly have the consumer personal loans such as personal house, automobile, general loans for supporting students.In China, accelerate development
Consumer credit, which has been sent to, pulls domestic demand, the great great expectations for the rise that stimulates the economy, and is also that China's Financial mechanism puts forth effort
One of increase profit growth point of exploitation.But because domestic and international economic situation is still intricate, active factor and secret worry are simultaneously deposited.
Have during domestic economy structural adjustment is steady into but basic still insecure, periodicity risk, structural hazard, the system of economic recovery
Property risk it is deep-rooted, various risks present it is unprecedented variation, complicate feature, bank portfolio quality deterioration pressure increase
Greatly, overdue loan and non-performing loan rate rise year by year.
After current loan is released, after client is overdue, bank or other financial institutions, within a certain period of time, typically
The single mode such as telephonic communication, SMS notification is only taken to carry out collection.Above-mentioned technical proposal collection mode is single, efficiency compared with
It is low.
The content of the invention
The embodiment of the present invention provides a kind of collection management method, can improve the efficiency of collection refund, realizes simple.
In a first aspect, the embodiments of the invention provide a kind of collection management method, this method includes：
The target information of destination object is obtained, the target information is the letter needed for the class belonging to the determination destination object
Breath；
The class belonging to the destination object is determined according to the client's collection model and the target information pre-established；
Collection path corresponding to the destination object is determined according to the class belonging to the destination object, collection path is information
The combination of notification means and words art content；
The collection path is sent to the customer side corresponding to the destination object.
Second aspect, the embodiments of the invention provide a kind of server, the server includes being used to perform above-mentioned first party
The unit of the method in face.
The third aspect, it is described the embodiments of the invention provide a kind of server, including processor, transceiver and memory
Processor, transceiver and memory are connected with each other, wherein, the memory, which is used to store, supports server to perform the above method
Application code, the processor are arranged to the method for performing above-mentioned first aspect.
Fourth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer-readable storage medium
Computer program is stored with, the computer program includes programmed instruction, and described program instruction makes institute when being executed by a processor
The method for stating the above-mentioned first aspect of computing device.
In the embodiment of the present invention, the class belonging to the destination object is determined according to client's collection model corresponding to destination object；
The collection path of the destination object is determined by the class belonging to the destination object, can accurately determine that the destination object is adapted to
Collection path, improve collection refund efficiency.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, it is required in being described below to embodiment to use
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area
For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow diagram of collection management method provided in an embodiment of the present invention；
Fig. 2 is a kind of schematic flow diagram for collection management method that another embodiment of the present invention provides；
Fig. 3 is a kind of schematic flow diagram for collection management method that another embodiment of the present invention provides；
Fig. 4 is a kind of schematic block diagram of server provided in an embodiment of the present invention；
Fig. 5 is a kind of server schematic block diagram that another embodiment of the present invention provides；
Fig. 6 is a kind of server schematic block diagram that another embodiment of the present invention provides；
Fig. 7 is a kind of server schematic block diagram that another embodiment of the present invention provides；
Fig. 8 is a kind of server schematic block diagram that another embodiment of the present invention provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is part of the embodiment of the present invention, rather than whole embodiments.Based on this hair
Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to the scope of protection of the invention.
It should be appreciated that ought be in this specification and in the appended claims in use, term " comprising " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and/or component, but it is not precluded from one or more of the other feature, whole
Body, step, operation, element, component and/or its presence or addition for gathering.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment
And be not intended to limit the present invention.As used in description of the invention and appended claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and appended claims is
Refer to any combinations of one or more of the associated item listed and be possible to combine, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
Server supports various application programs, such as one or more of following：Drawing application program, demonstration application journey
Sequence, word-processing application, website create application program, disk imprinting application program, spreadsheet applications, game application
Program, telephony application, videoconference application, email application, instant messaging applications, exercise
Support application program, photo management application program, digital camera application program, digital camera application program, web-browsing application
Program, digital music player application and/or video frequency player application program.
It is a kind of schematic flow diagram of collection management method provided in an embodiment of the present invention referring to Fig. 1, this method can wrap
Include：
101st, the target information of destination object is obtained；
Above-mentioned target information is the information needed for the class belonging to the above-mentioned destination object of determination.Above-mentioned destination object is collection pair
As the object of that is, overdue unfinished refund or client.For example, if the money borrowed in some bank of some client is to the payback period
Do not complete and refund, then the client urges money object for the bank, and the bank can carry out urging money to the client.Above-mentioned target information can
Be consumption borrow the commodity being related to, the home address of client, address, work unit, industry, correlative connection phone, credit score,
Income situation, loan documentation etc..
102nd, determined according to the client's collection model and above-mentioned target information pre-established belonging to above-mentioned destination object
Class；
Corresponding at least two classes of above-mentioned client's collection model.Each class represents a cluster crowd.Collection behavior can divide
For at least two collection stages.For example, collection behavior is divided into three phases, i.e. the first collection stage to the 3rd collection rank
Section, the sequencing of these three stage having times, i.e., from the first collection stage to the second collection stage, then to the 3rd collection rank
Section.Within each collection stage, it is interior at this stage all to there are client, is refunded by collection.For these each
The client to be refunded in the collection stage, can be classified as a cluster crowd.For example, some clients can be complete in the first collection stage
Into refund, the corresponding first cluster crowd of client to refund is completed within the first collection stage；Some clients can be in the second collection rank
Complete to refund in section, the corresponding second cluster crowd of client to refund is completed in the second collection stage；Some clients are in the 3rd collection
Stage is completed to refund, and the corresponding 3rd cluster crowd of client to refund is completed in the 3rd collection stage；Certainly, client also passes through three
The individual collection stage still can be classified as the 4th cluster crowd without what is refunded.Gather as can be seen that collection object can be divided into four kinds
Class crowd, i.e., the first cluster crowd to the 3rd cluster crowd, and the 4th cluster crowd.Above-mentioned target information is inputted into above-mentioned visitor
Family collection model, to predict above-mentioned destination object in which the completion refund of collection stage, i.e. class belonging to destination object or institute
The cluster crowd of category.Class belonging to the above-mentioned above-mentioned destination object of determination is the cluster crowd belonging to determination destination object.
It is appreciated that belonging to the collection object of identical cluster crowd specifically some common traits, pass through client's collection model
The class belonging to destination object can be determined, that is, clusters crowd.Different cluster crowds correspond to different collection paths.Collection path
For the combination of information notification means and words art content.Information notification means can be make a phone call, send short messages, send out mail, part of posting a letter,
Visit and urge the means such as money and hair lawyer's letter.Talk about art content fingering row collection when used collection content, such as send short messages into
Content of mail the etc. when content of transmitted short message, hair mail carry out urging money during row collection.Art content can retouch if difference
State penalty, legal consequence of different severe degree etc..By the combination to information notification means and words art content, can be formed
There are multiple collection paths.Such as art content+phone or short message if minimum severe degree, if the severe degree of highest in art
Appearance+phone+short message+mail+lawyer's letter.
In the embodiment of the present invention, server presets client's collection model, and above-mentioned client's collection model can be applicable
Object in identical collection path assigns to identical class, and the object suitable for different collection paths is assigned into different classes, obtained
Client's collection model.It is appreciated that the object in same class has larger probability to correspond to same collection path.Namely
Say, same collection path can be used to carry out collection to the object in same class.
In a kind of optional implementation, client's collection model and above-mentioned target information that above-mentioned foundation pre-establishes
Determine that the class belonging to above-mentioned destination object includes：
According to above-mentioned target information, determine at least two different classes corresponding to above-mentioned client's collection model with above-mentioned mesh
It is target class to mark object matching degree highest class；
Determine class of the above-mentioned target class belonging to above-mentioned destination object.
For example, corresponding five classes of client's collection model, the i.e. first kind to the 5th class, destination object and the first kind to the
The matching degree of five classes is followed successively by 0.3,0.4,0.6,0.4,0.8, then the class belonging to the destination object is the 5th class.Calculate target pair
As the matching degree with the first kind can be calculate customizing messages in target information in the corresponding weight of the first kind and.Citing comes
Say, target information includes the first information to the 4th information, and the first information is to the 4th information in weight corresponding to the first kind
0.1,0.02,0.08,0.1 is followed successively by, then weight and for 0.3, i.e., matching degree is 0.3.Mesh can be determined by same mode
Mark the matching degree of object and the second class to the 5th class.In the embodiment of the present invention, can calculate in several ways destination object with
The matching degree of at least two different classes, the embodiment of the present invention are not construed as limiting corresponding to client's collection model.
The embodiment of the present invention by determine at least two different classes corresponding to client's collection model with destination object
It is the class belonging to the destination object with degree highest class, can accurately and rapidly determines the class belonging to destination object.
103rd, collection path corresponding to above-mentioned destination object is determined according to the class belonging to above-mentioned destination object；
Collection path is combination of the information notification means with talking about art content.Each class is equal corresponding to above-mentioned client's collection model
Corresponding at least one collection path, determines that the class belonging to above-mentioned destination object is assured that collection corresponding to above-mentioned destination object
Path.For example, corresponding five classes of client's collection model, the i.e. first kind to the 5th class, first kind are right successively to the 5th class
Answer the first collection path to the 5th collection path；If destination object belongs to the 3rd class, collection path corresponding to the destination object
For the 3rd collection path.
104th, the collection path is sent to customer side corresponding to the destination object.
According to the collection path of the destination object of acquisition, it is sent to the customer side for performing collection action, with to customer service
Formed and instructed, lift collection efficiency.
In the embodiment of the present invention, the class belonging to the destination object is determined according to client's collection model corresponding to destination object；
The collection path of the destination object is determined by the class belonging to the destination object, can accurately determine that the destination object is adapted to
Collection path, improve collection refund efficiency.
In a kind of optional implementation, client's collection model and above-mentioned target information that above-mentioned foundation pre-establishes
Before determining the class belonging to above-mentioned destination object, the above method also includes：
Above-mentioned client's collection model is built according to history collection record.
In the embodiment of the present invention, server can use automatic cluster algorithm, Gaussian Mixture clustering algorithm, EM clustering algorithms
Progress cluster analysis is recorded to history collection Deng clustering algorithm, obtains client's collection model.Above-mentioned history collection records
Collection record in certain time, such as the record of the collection of 5 months before this month.
The embodiment of the present invention records structure client's collection model by history collection, in order to quickly and accurately determine mesh
The class belonging to object is marked, and then determines collection path corresponding to destination object, is realized simple.
It is above-mentioned to include according to the above-mentioned client's collection model of history collection record structure in a kind of optional implementation：
Obtain history collection record, collection result of the above-mentioned history collection record comprising N number of object and collection path；According to
Recorded according to above-mentioned history collection and carry out cluster analysis, determine M class corresponding to above-mentioned N number of object, above-mentioned M is less than above-mentioned N and greatly
In 1；
Collection path corresponding to each class in above-mentioned M class is determined, obtains above-mentioned client's collection model.
Wherein, in history collection record, target information, the collection for the client for completing to refund in each collection stage be have recorded
And the collection path that lives through as a result.Cluster point is carried out by the target information of the client to completing to refund in each stage
Analysis, can obtain the model of respective class, then determine each self-corresponding collection path, you can form client's collection model.
Collection path corresponding to each class can be to determine that the object in each class is corresponding most in the above-mentioned above-mentioned M class of determination
More collection paths is such corresponding collection path.It is assumed that the first kind includes 100 objects, corresponding first collection of 50 objects
Path, the corresponding second collection path of 20 objects, the corresponding 3rd collection path of 18 objects, the corresponding 4th collection road of 12 objects
Footpath, the then corresponding first collection path of the first kind.It can determine that each class and each class are corresponding by above-mentioned client's collection model
Collection path, collection path corresponding to each object refer to this cause object complete refund operation used by collection path.
The embodiment of the present invention carries out cluster analysis by being recorded to history collection, can rapidly build client's collection mould
Type.
In a kind of optional implementation, above-mentioned foundation determines above-mentioned target pair according to the class belonging to above-mentioned destination object
Before corresponding collection path, the above method also includes：
Determine that above-mentioned destination object is in the target collection stage according to above-mentioned history collection record；
The above-mentioned class according to belonging to above-mentioned destination object determines that collection path corresponding to above-mentioned destination object includes：
Determine above-mentioned destination object in collection corresponding to the above-mentioned target collection stage according to the class belonging to above-mentioned destination object
Path.
Above-mentioned destination object can correspond to different collection paths in different phase.For example, destination object is first
The collection stage corresponds to the first collection path, in the second collection stage corresponding second collection path.Again for example, the first cluster people
Group corresponds to the 3rd collection path in the first collection stage, in the second collection stage corresponding 4th collection path.
In the embodiment of the present invention, collection path corresponding to destination object can be accurately and rapidly determined.
In a kind of optional implementation, the above-mentioned customer side to corresponding to above-mentioned destination object sends above-mentioned collection road
Footpath includes：
Customer side corresponding to above-mentioned destination object is determined according to the class belonging to above-mentioned destination object；
Above-mentioned collection path is sent to above-mentioned customer side.
The above-mentioned class according to belonging to above-mentioned destination object determines that customer side corresponding to above-mentioned destination object can be according to upper
State collection path corresponding to the class belonging to destination object and determine customer side corresponding to above-mentioned destination object.For example, collection road
Footpath is divided into eight kinds of collection paths, i.e. the first collection path to the 8th collection path, and every kind of collection path corresponds to a different set of visitor
End is taken, i.e. the first collection path to the 8th collection path is corresponding in turn to first group of customer side to the 8th group of customer side；If target pair
As corresponding collection path is the 4th collection path, then customer side corresponding to the destination object is the 4th group of customer side, each group
Customer side can include at least one customer side.Above-mentioned destination object can correspond to a customer side, can also correspond to multiple visitors
Take end.It is above-mentioned send above-mentioned collection path to above-mentioned customer side can be to the sky in multiple customer sides corresponding to above-mentioned destination object
Not busy customer side sends above-mentioned collection path；Can also be that multiple customer sides send above-mentioned collection corresponding to above-mentioned destination object
Path.
In the embodiment of the present invention, it can rapidly send to customer side corresponding to destination object and be urged corresponding to the destination object
Path is received, is realized simple.
In a kind of optional implementation, after the above-mentioned above-mentioned collection path of transmission to above-mentioned customer side, the above method
Also include：
Receive above-mentioned customer side and be directed to the feedback information that above-mentioned collection path is sent；
Collection path corresponding to above-mentioned destination object is determined according to above-mentioned feedback information.
Above-mentioned feedback information can be above-mentioned customer side collection is carried out according to above-mentioned collection path to above-mentioned destination object after,
Obtained feedback information.Agree to refund for example, feedback information is destination object.
Optionally, it is above-mentioned to determine that collection path includes corresponding to above-mentioned destination object according to above-mentioned feedback information：
In the case where determining that if above-mentioned destination object holds refund according to above-mentioned feedback information, above-mentioned destination object pair is determined
Answer the first collection path；
In the case where determining that above-mentioned destination object refusal is refunded according to above-mentioned feedback information, above-mentioned destination object pair is determined
Answer the second collection path；The grade of art content is higher than with above-mentioned first collection path in art if above-mentioned second collection path
The grade of appearance, the grade of words art content are at least divided into Three Estate；
Determining that above-mentioned destination object fails in the case of communication according to above-mentioned feedback information, determining above-mentioned target pair
As corresponding 3rd collection path；The grade of art content is higher than with above-mentioned second collection path if above-mentioned 3rd collection path
The grade of art content.
The grade of words art content is at least divided into Three Estate.For example, words art content can be divided into three-level, i.e., and first etc.
Level arrives the tertiary gradient, and art content is only prompted comprising collection if the first estate, prompts client to be refunded in time；Second grade
Words art content also includes penalty information, notifies client to need the penalty paid；Art content includes law if the tertiary gradient
Consequence.As can be seen that words art content is more and more severeer from the first estate to the tertiary gradient.In addition, the second collection path pair
The grade for the information advice method answered can be with the grade of information advice method corresponding to the first collection path, the 3rd collection path pair
The grade for the information advice method answered can be with the grade of information advice method corresponding to the second collection path for example.Information is led to
Know that means can be divided at least two grades.For example, information notification means can be divided into Three Estate, the letter of the first estate
Cease notification means and include short message, mail；The information notification means of second grade are included and made a phone call；The information notice hand of the tertiary gradient
Section can be hair lawyer's letter.
Above-mentioned first collection path can be art content by short message sending the first estate.Above-mentioned second collection path
It can be using modes such as mail, mails, send art content if the second grade.Above-mentioned 3rd collection path can be to collection
Object is sent comprising art content lawyer's letter if the tertiary gradient.It is above-mentioned to determine that above-mentioned destination object fails according to above-mentioned feedback information
Successful communication it may is that the phone of above-mentioned feedback information instruction destination object is repeatedly not turned on, and its related personnel
Refusal is pass on；Can also be by after the mode collection such as short message, mail, not receiving return information in preset duration.
In the embodiment of the present invention, by the way that after the feedback information that customer side is sent for collection path is received, foundation should
Feedback information redefines collection path corresponding to destination object, can preferably determine collection path corresponding to destination object,
Improve collection efficiency.
In a kind of optional implementation, the above-mentioned class according to belonging to above-mentioned destination object determines above-mentioned destination object pair
After the collection path answered, the above method also includes：
It is determined that above-mentioned destination object determines above-mentioned target pair in the case where the above-mentioned target collection stage does not complete refund
Next collection stage as entering the above-mentioned target collection stage；
Determine above-mentioned destination object in collection path corresponding to next collection stage in above-mentioned target collection stage.
The above-mentioned above-mentioned destination object of determination is in the unfinished refund of above-mentioned target collection stage it may is that in above-mentioned mesh
Before the mark collection stage terminates, determine that above-mentioned destination object does not complete and refund.For example, collection behavior is divided into three phases,
That is the first collection stage to the 3rd collection stage, the target collection stage was the first collection stage, if destination object is in target collection
Stage, which does not complete, refunds, then destination object entered for the second collection stage.The above-mentioned above-mentioned destination object of determination is in above-mentioned target collection
Collection path corresponding to next collection stage in stage can determine above-mentioned target pair according to the class belonging to above-mentioned destination object
The collection path as corresponding to the next stage in the above-mentioned target collection stage.
Collection path corresponding to destination object can be sent to customer service corresponding to the destination object in the second collection stage
End；Meanwhile the art content except the class selection corresponding grade according to belonging to destination object, carry out letter in combination with phone result
Beyond the selection for ceasing notification means, it can determine that the related personnel such as the family members to destination object call according to different classes
Scope and words art content.
In the 3rd collection stage, destination object and the electricity of whole related personnel can be provided to the object do not refunded
Words, select art content and full detail notification means if highest ranking.Do not refund yet afterwards, distribute to third party's progress
Collection.
In the embodiment of the present invention, the collection stage according to residing for destination object adjusts collection road corresponding to the destination object
Footpath, in order to more smoothly complete collection work, improve collection efficiency.
It is the schematic flow diagram of another collection management method provided in an embodiment of the present invention referring to Fig. 2, this method can wrap
Include：
201st, history collection record is obtained；
Above-mentioned collection of the history collection record comprising the first collection stage to the 3rd collection stage records.
202nd, structure client's collection model is recorded according to above-mentioned history collection；
203rd, the client that destination object is overdue unfinished refund is determined；
204th, the target information of above-mentioned destination object is obtained；
Above-mentioned target information is the information needed for the class belonging to the above-mentioned destination object of determination.
205th, the class belonging to above-mentioned destination object is determined according to above-mentioned target information and client's collection model；
206th, the first collection path corresponding to above-mentioned destination object is determined according to the class belonging to above-mentioned destination object；
The combination of above-mentioned first collection path art content for first information notification means and the first estate.Above-mentioned first
Information notification means can be short message, mail etc..
207th, above-mentioned first collection path is sent to the first customer side corresponding to above-mentioned destination object；
208th, receive above-mentioned first customer side and be directed to the feedback information that above-mentioned first collection path is sent；
209th, the second collection path corresponding to above-mentioned destination object is determined according to above-mentioned feedback information；
The combination of above-mentioned second collection path art content for two information notification means and the second grade.Above-mentioned second letter
It can make a phone call to cease notification means.
210th, the information in above-mentioned second collection path is sent to above-mentioned first customer side.
In the embodiment of the present invention, the class belonging to the destination object is determined according to client's collection model corresponding to destination object；
The collection path of the destination object is determined by the class belonging to the destination object, can accurately determine that the destination object is adapted to
Collection path, improve collection refund efficiency.
It is the schematic flow diagram of another collection management method provided in an embodiment of the present invention referring to Fig. 3, this method can wrap
Include：
301st, judge whether destination object is completed to refund in the first collection stage；
If so, perform 307；If it is not, perform 302.Before performing 301, what can be performed in Fig. 2 201 arrives server
210。
302nd, the target information and client's collection model according to above-mentioned destination object are determined corresponding to above-mentioned destination object
Three collection paths；
303rd, the information in above-mentioned 3rd collection path is sent to the second customer side corresponding to above-mentioned destination object；
Above-mentioned 3rd collection path includes the contact method of from the part related personnel to above-mentioned destination object.Part relevant people
Member can be relatives personnel.
304th, judge whether above-mentioned destination object is completed to refund in the second collection stage；
If so, perform 307；If it is not, perform 305.
305th, the 4th collection path corresponding to above-mentioned destination object is determined according to above-mentioned target information and client's collection model
Information；
Compared to above-mentioned 3rd collection path, above-mentioned 4th collection path corresponds to art content if highest ranking, also includes
To above-mentioned destination object and the information notification means of whole related personnel.Wherein, whole related personnel include relatives, association
All related personnel such as personnel and unit contact person.
306th, the information in above-mentioned 4th collection path is sent to the 3rd customer side corresponding to above-mentioned destination object；
307th, collection record corresponding to above-mentioned destination object is generated.
In the embodiment of the present invention, the class belonging to the destination object is determined according to client's collection model corresponding to destination object；
The collection path of the destination object is determined by the class belonging to the destination object, can accurately determine that the destination object is adapted to
Collection path, improve collection refund efficiency.
The embodiment of the present invention also provides a kind of server, and the server is used for the list for performing any one of foregoing above-mentioned method
Member.Specifically, it is a kind of schematic block diagram of server provided in an embodiment of the present invention referring to Fig. 4, the server includes：
Acquiring unit 401, for obtaining the target information of destination object, above-mentioned target information is the above-mentioned destination object of determination
Information needed for affiliated class；
Determining unit 402, for determining above-mentioned mesh according to the client's collection model and above-mentioned target information that pre-establish
Mark the class belonging to object；Collection path corresponding to above-mentioned destination object, collection road are determined according to the class belonging to above-mentioned destination object
Footpath is combination of the information notification means with talking about art content；
Transmitting element 403, for sending above-mentioned collection path to customer side corresponding to above-mentioned destination object.
Specific implementation is identical with the method in Fig. 1, is not described herein in detail.
In a kind of optional implementation, above-mentioned determining unit 402, specifically for according to above-mentioned target information, it is determined that
With above-mentioned destination object matching degree highest class it is target class at least two different classes corresponding to above-mentioned client's collection model；
Determine class of the above-mentioned target class belonging to above-mentioned destination object.
The embodiment of the present invention by determine at least two different classes corresponding to client's collection model with destination object
It is the class belonging to the destination object with degree highest class, can accurately and rapidly determines the class belonging to destination object.
In a kind of optional implementation, as shown in figure 5, above-mentioned server also includes：
Construction unit 501, for building above-mentioned client's collection model according to history collection record.
In the embodiment of the present invention, client's collection model corresponding to destination object is built, in order to quickly and accurately determine mesh
The class belonging to object is marked, and then determines collection path corresponding to destination object, is realized simple.
In a kind of optional implementation, above-mentioned construction unit 501, recorded specifically for obtaining above-mentioned history collection,
Collection result of the above-mentioned history collection record comprising N number of object and collection path；Gathered according to above-mentioned history collection record
Alanysis, determines M class corresponding to above-mentioned N number of object, and above-mentioned M is less than above-mentioned N and more than 1；Determine each class in above-mentioned M class
Corresponding collection path, obtain above-mentioned client's collection model.
The embodiment of the present invention carries out cluster analysis by being recorded to history collection, and it is corresponding can rapidly to build destination object
Client's collection model.
In a kind of optional implementation, above-mentioned determining unit 402, it is additionally operable to record determination according to above-mentioned history collection
Above-mentioned destination object is in the target collection stage；Determine above-mentioned destination object in above-mentioned mesh according to the class belonging to above-mentioned destination object
Mark collection path corresponding to the collection stage.
In the embodiment of the present invention, client's collection model corresponding to destination object can be accurately and rapidly determined.
In a kind of optional implementation, above-mentioned determining unit 402, the class belonging to according to above-mentioned destination object is additionally operable to
Determine customer side corresponding to above-mentioned destination object
Above-mentioned transmitting element 403, specifically for sending above-mentioned collection path to above-mentioned customer side.
In the embodiment of the present invention, it can rapidly send to customer side corresponding to destination object and be urged corresponding to the destination object
Path is received, is realized simple.
In a kind of optional implementation, as shown in fig. 6, above-mentioned server also includes：
Receiving unit 601, the feedback information for being directed to above-mentioned collection path for receiving above-mentioned customer side and sending；
Above-mentioned determining unit 402, it is additionally operable to determine collection path corresponding to above-mentioned destination object according to above-mentioned feedback information.
In the embodiment of the present invention, by the way that after the feedback information that customer side is sent for collection path is received, foundation should
Feedback information redefines collection path corresponding to destination object, can preferably determine collection path corresponding to destination object,
Improve collection efficiency.
In a kind of optional implementation, above-mentioned determining unit 402, specifically for being determined according to above-mentioned feedback information
In the case that if above-mentioned destination object holds refund, determine the corresponding first collection path of above-mentioned destination object；According to above-mentioned feedback
In the case that information determines that above-mentioned destination object refusal is refunded, the corresponding second collection path of above-mentioned destination object is determined；Above-mentioned
If two collection paths the grade of art content be higher than with above-mentioned first collection path if art content grade, words art content etc.
Level is at least divided into Three Estate；Determining that above-mentioned destination object fails in the case of communication according to above-mentioned feedback information, really
The fixed corresponding 3rd collection path of above-mentioned destination object；The grade of art content is higher than and above-mentioned second if above-mentioned 3rd collection path
The grade of art content if collection path.
In the embodiment of the present invention, by the way that after the feedback information that customer side is sent for collection path is received, foundation should
Feedback information redefines collection path corresponding to destination object, can preferably determine collection path corresponding to destination object,
Improve collection efficiency.
In a kind of optional implementation, above-mentioned determining unit 402, be additionally operable to it is determined that above-mentioned destination object above-mentioned
In the case that the target collection stage does not complete refund, determine that above-mentioned destination object enters next collection in above-mentioned target collection stage
Stage；Determine above-mentioned destination object in collection path corresponding to next collection stage in above-mentioned target collection stage.
In the embodiment of the present invention, the collection stage according to residing for destination object adjusts collection road corresponding to the destination object
Footpath, in order to more smoothly complete collection work, improve collection efficiency.
Fig. 7 is referred to, Fig. 7 is a kind of server provided in an embodiment of the present invention, and the server includes processor 701, deposited
Reservoir 702, transceiver 703 and bus 704, above-mentioned processor 701, memory 702 and transceiver 703 are mutual by bus 704
Connection.
It is random access memory (Random Access Memory, RAM) that memory 702, which includes but is not limited to, read-only
Memory (Read-Only Memory, ROM), Erasable Programmable Read Only Memory EPROM (Erasable Programmable
Read Only Memory, EPROM) or portable read-only storage (Compact Disc Read-Only Memory, CD-
ROM), the memory 702 is used for dependent instruction and data.Transceiver 703 is used to receiving and sending data.
It should be appreciated that in embodiments of the present invention, alleged processor 701 can be CPU (Central
Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
It can also be any conventional processor etc. to manage device.
The processor 701 of the server is used to read the program code stored in above-mentioned memory 702, performs following grasp
Make：The target information of destination object is obtained, above-mentioned target information is the information needed for the class belonging to the above-mentioned destination object of determination；According to
The class belonging to above-mentioned destination object is determined according to client's collection model corresponding to above-mentioned destination object and above-mentioned target information, it is above-mentioned
The corresponding at least two different classes of client's collection model, different classes correspond to different collection paths；According to above-mentioned destination object
Affiliated class determines collection path corresponding to above-mentioned destination object.
In the specific implementation, the executable present invention of processor 701, transceiver 703 described in the embodiment of the present invention is implemented
Implementation described by the foregoing any embodiment for the information processing method that example provides, it also can perform the embodiment of the present invention and retouched
The implementation for the server stated, will not be repeated here.
A kind of computer-readable recording medium, above computer readable storage medium are provided in another embodiment of the invention
Matter is stored with computer program, and above computer program is realized when being executed by processor：The target information of destination object is obtained, on
Target information is stated to determine the information needed for the class belonging to above-mentioned destination object；According to client's collection model for pre-establishing and
Above-mentioned target information determines the class belonging to above-mentioned destination object；Above-mentioned destination object is determined according to the class belonging to above-mentioned destination object
Corresponding collection path, collection path are combination of the information notification means with talking about art content；To visitor corresponding to above-mentioned destination object
Take end and send above-mentioned collection path.
Above computer readable storage medium storing program for executing can be the internal storage unit of the above-mentioned server of foregoing any embodiment,
Such as the hard disk or internal memory of server.Above computer readable storage medium storing program for executing can also be the External memory equipment of server, example
Such as the plug-in type hard disk being equipped with server, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..Further, above computer readable storage medium storing program for executing can also be wrapped both
Including the internal storage unit of above-mentioned server also includes External memory equipment.Above computer readable storage medium storing program for executing is used to store
State computer program and other programs and data needed for above-mentioned server.Above computer readable storage medium storing program for executing can also be used
In temporarily storing the data that have exported or will export.
Fig. 8 is a kind of server architecture schematic diagram provided in an embodiment of the present invention, and the server 800 can be because of configuration or performance
It is different and produce bigger difference, one or more central processing units (central processing can be included
Units, CPU) 822 (for example, one or more processors) and memory 832, one or more storages apply journey
The storage medium 830 of sequence 842 or data 844 (such as one or more mass memory units).Wherein, the He of memory 832
Storage medium 830 can be of short duration storage or persistently storage.Can be included by being stored in the program of storage medium 830 by one or one
With upper module (diagram does not mark), each module can include operating the series of instructions in server.Further, in
Central processor 822 could be arranged to communicate with storage medium 830, be performed on server 800 a series of in storage medium 830
Command operating.
Server 800 can also include one or more power supplys 826, one or more wired or wireless networks
Interface 850, one or more input/output interfaces 858, and/or, one or more operating systems 841, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
Can be based on the server architecture shown in the Fig. 8 as the step performed by server in above-described embodiment.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, the composition and step of each example are generally described according to function in the above description.This
A little functions are performed with hardware or software mode actually, application-specific and design constraint depending on technical scheme.Specially
Industry technical staff can realize described function using distinct methods to each specific application, but this realization should not
Think beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, the clothes of foregoing description
The specific work process of business device and unit, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
In several embodiments provided herein, it should be understood that disclosed server and method, can pass through
Other modes are realized.For example, device embodiment described above is only schematical, for example, the division of said units,
Only a kind of division of logic function, can there is an other dividing mode when actually realizing, such as multiple units or component can be with
With reference to or be desirably integrated into another system, or some features can be ignored, or not perform.It is in addition, shown or discussed
Mutual coupling or direct-coupling or communication connection can be the INDIRECT COUPLINGs or logical by some interfaces, device or unit
Letter connection or electricity, the connection of mechanical or other forms.
Step in present invention method can be sequentially adjusted, merged and deleted according to actual needs.This hair
Unit in bright embodiment server can be combined, divided and deleted according to actual needs.
The above-mentioned unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize scheme of the embodiment of the present invention according to the actual needs
Purpose.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
It is that unit is individually physically present or two or more units are integrated in a unit.It is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If above-mentioned integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use
When, it can be stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially
The part to be contributed in other words to prior art, or all or part of the technical scheme can be in the form of software product
Embody, the computer software product is stored in a storage medium, including some instructions are causing a computer
Equipment (can be personal computer, server, or network equipment etc.) performs the complete of each embodiment above method of the present invention
Portion or part steps.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replaced
Change, these modifications or substitutions should be all included within the scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection domain be defined.
Claims (10)
- A kind of 1. collection management method, it is characterised in that including：The target information of destination object is obtained, the target information is the information needed for the class belonging to the determination destination object；The class belonging to the destination object is determined according to the client's collection model and the target information pre-established；Collection path corresponding to the destination object is determined according to the class belonging to the destination object, collection path notifies for information The combination of means and words art content；The collection path is sent to customer side corresponding to the destination object.
- 2. according to the method for claim 1, it is characterised in that the client's collection model and institute that the foundation pre-establishes State target information and determine that the class belonging to the destination object includes：According to the target information, determine at least two different classes corresponding to client's collection model with the target pair As matching degree highest class is target class；Determine class of the target class belonging to the destination object.
- 3. according to the method for claim 1, it is characterised in that the client's collection model and institute that the foundation pre-establishes Before stating the class that target information is determined belonging to the destination object, methods described also includes：Client's collection model is built according to history collection record.
- 4. according to the method for claim 3, it is characterised in that described to build client's collection according to history collection record Model includes：Obtain the history collection record, collection result of the history collection record comprising N number of object and collection path；Recorded according to the history collection and carry out cluster analysis, determine M class corresponding to N number of object, the M is less than described N and more than 1；Collection path corresponding to each class in the M class is determined, obtains client's collection model.
- 5. according to the method for claim 4, it is characterised in that described in the class according to belonging to the destination object determines Before collection path corresponding to destination object, methods described also includes：Determine that the destination object is in the target collection stage according to history collection record；The class according to belonging to the destination object determines that collection path corresponding to the destination object includes：Determine the destination object in collection path corresponding to the target collection stage according to the class belonging to the destination object.
- 6. according to the method described in claim 1 to 5 any one, it is characterised in that described to corresponding to the destination object Customer side send the collection path and include：Customer side corresponding to the destination object is determined according to the class belonging to the destination object；The collection path is sent to the customer side.
- 7. according to the method for claim 6, it is characterised in that it is described to the customer side send the collection path it Afterwards, methods described also includes：Receive the customer side and be directed to the feedback information that the collection path is sent；Collection path corresponding to the destination object is determined according to the feedback information.
- 8. according to the method for claim 7, it is characterised in that described to determine the destination object according to the feedback information Corresponding collection path includes：In the case where determining that if the destination object holds refund according to the feedback information, the destination object corresponding the is determined One collection path；In the case where determining that destination object refusal is refunded according to the feedback information, the destination object corresponding the is determined Two collection paths；The grade of art content is higher than the art content with the first collection path if the second collection path Grade, the grade of words art content are at least divided into Three Estate；Determining that the destination object fails in the case of communication according to the feedback information, determining the destination object pair Answer the 3rd collection path；The grade of art content is higher than with the second collection path in art if the 3rd collection path The grade of appearance.
- 9. according to the method for claim 5, it is characterised in that described in the class according to belonging to the destination object determines After collection path corresponding to destination object, methods described also includes：It is determined that the destination object determines that the destination object enters in the case where the target collection stage does not complete refund Enter next collection stage in the target collection stage；Determine the destination object in collection path corresponding to next collection stage in the target collection stage.
- 10. a kind of server, it is characterised in that including processor, transceiver and memory, the processor, transceiver and deposit Reservoir is connected with each other, wherein, the memory is used to store application code, and the processor is arranged to described in calling Program code, perform the method as described in claim any one of 1-9.
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| CN201710759251.1A CN107507088A (en) | 2017-08-29 | 2017-08-29 | Collection management method and server |
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| CN201710759251.1A CN107507088A (en) | 2017-08-29 | 2017-08-29 | Collection management method and server |
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| CN109377389A (en) * | 2018-09-17 | 2019-02-22 | 平安科技（深圳）有限公司 | A kind of payment based reminding method, server and computer readable storage medium |
| CN109559221A (en) * | 2018-11-20 | 2019-04-02 | 中国银行股份有限公司 | Collection method, apparatus and storage medium based on user data |
| CN110288460A (en) * | 2019-04-24 | 2019-09-27 | 武汉众邦银行股份有限公司 | Collection prediction technique, device, equipment and storage medium based on propagated forward |
| WO2020024389A1 (en) * | 2018-08-02 | 2020-02-06 | 平安科技（深圳）有限公司 | Method for collecting overdue payment, device, computer apparatus, and storage medium |
| WO2020233014A1 (en) * | 2019-05-23 | 2020-11-26 | 平安科技（深圳）有限公司 | Message sending method and apparatus, and computer device and storage medium |
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