CN109544316A - A kind of collection method and system of division real-time in proportion - Google Patents
A kind of collection method and system of division real-time in proportion Download PDFInfo
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Abstract
The invention discloses a kind of collection method and system of division real-time in proportion, belong to computer application technology.The described method includes: timing imports overdue loaning bill order in batches, the overdue case to collection is generated；It configures the collection mechanism of access and carries out collection person's account information of collection management；Carry out the configuration of automatic division strategy on demand according to the overdue case and the collection mechanism；The automatic division strategy is parsed, calculates the apportioning cost of automatic division in real time, and distribute the overdue case to the collection mechanism by the apportioning cost.The present invention can realize the automatic division of proper proportion, have a good application prospect in the matched situation of collections demand such as collection mechanism collection level.
Description
Technical field
The present invention relates to computer application technology, in particular to the collection method of a kind of division real-time in proportion and it is
System.
Background technique
Duo Jia collection mechanism can be docked in collection system, since each collection mechanism collection level is different, need handle
Case distributes to different collection mechanisms, such as collection mechanism A distribution 30%, collection mechanism B distribution in real time by a certain percentage
70%.Or it is not aware that the horizontal height of each collection mechanism, need to do Duo Jia collection mechanism the distribution of equal proportion case, test
Each family urges back rate, then tracking urge back rate and adjust allocation proportion, therefore how to determine division ratio appropriate and by than
Example carries out real-time division, is common and urgent problem in current collection system.
Summary of the invention
In order to solve problems in the prior art, the embodiment of the invention provides a kind of collection methods of division real-time in proportion
And system, the automatic division of proper proportion can be realized in the matched situation of collections demand such as collection mechanism collection level.
The technical solution is as follows:
In a first aspect, providing a kind of collection method of division real-time in proportion, which comprises
Timing imports overdue loaning bill order in batches, generates the overdue case to collection；
It configures the collection mechanism of access and carries out collection person's account information of collection management；
Carry out the configuration of automatic division strategy on demand according to the overdue case and the collection mechanism；
The automatic division strategy is parsed, calculates the apportioning cost of automatic division in real time, and exceed described by the apportioning cost
Phase case is distributed to the collection mechanism.
With reference to first aspect, in the first possible implementation, timing imports overdue loaning bill order in batches, generate to
The overdue case of collection, comprising:
According to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated；
Wherein, the overdue loaning bill order include at least overdue order number, loaning bill essential information, the overdue information of borrowing money and/
Or loaning bill customer information, the case information include at least case number, enter information, case overdue information when urging, division information and/
Or information of winding up the case, the overdue data include at least overdue stage and/or overdue number of days.
With reference to first aspect, in the second possible implementation, according to the overdue case and the collection mechanism
Carry out the configuration of automatic division strategy on demand, comprising:
Determine to include overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable, it is specific to wrap
It includes:
Enter to calculate when urging and completes the overdue stage, overdue number of days；
Overdue divided stages are carried out by setting assignment period；
According to collection, mechanism determines allocation proportion；
The priority level and open and close function at any time of automatic division strategy are set.
With reference to first aspect, in the third possible implementation, the automatic division strategy is parsed, is calculated in real time certainly
The apportioning cost of dynamic division, and distribute the overdue case to the collection mechanism by the apportioning cost, comprising:
Strategy initialization: all automatic division strategies are preloaded first and are parsed into computable policy expression, by excellent
It is cached in Installed System Memory after first grade sequence, when strategy has altered, automatic flush buffers are replaced according to automatic division strategy ID
Policy expression cache information before alternatively, wherein each automatic division strategy can initially talk about corresponding pro rate and initially believe
Breath, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to caseload N=0；
Prepare case: reading the overdue case of the same day non-division in real time, overdue number required for being obtained from overdue case
According to；
It calculates: according to the priority level of automatic division strategy to overdue case policy calculation one by one, first being borrowed in calculating process
Spring El expression formula engine is helped to calculate which automatic division strategy is the case belong to, when meeting some automatic division strategy
When, it continues to use allocation proportion when preset ratio calculation method is put into effect and calculates, obtain a collection mechanism x, the preset ratio
Calculation method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution sum
Amount, Rx are the allocation proportion of xJia collection mechanism, and f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and real-time update should
The pro rate information in the buffer of strategy, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
It saves: saving distribution information, and the same day was marked to do the overdue case of policy calculation.
With reference to first aspect and any one of the first to three kind of possible implementation of first aspect, at the four to six kind
In possible implementation, the method also includes:
Case recycles automatically: when the case for distributing to collection mechanism expires, and overdue money is not recovered, this case being done
Automatic recovery processing, when recycling, can produce case historical information, the collection situation of user record case at that time, case historical information
It is the data source for counting collection mechanism performance；It is used after case recycling for automatic division part module, does continuation batch operation, point
Continue to do collection to other collection mechanisms；
Collection job management: the distribution of one key of case is carried out, list is adjusted and checks case by the collection supervisor of collection mechanism
Collection situation checks the case of collection supervisor's distribution by collection person, executes collection operation and record and urge note；
Go out to urge in real time: when user refunds, the case just in collection being made and urges processing, the case after urging out, system
Will not division again, collection person also stops doing collection to the case, and cooperates assignment period that this case is included in collection mechanism
With the performance of collection person；
Report form statistics: urging back the index of rate according to the case for including each collection mechanism, counts the performance of collection mechanism, collection
Analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx；
Mx refers to overdue stage=M1, M2, M3, M4, M5....
In a first aspect, providing a kind of collection system of division real-time in proportion, comprising:
Overdue case generation module generates the overdue case to collection for periodically importing overdue loaning bill order in batches；
Collection management configuration module, for configuring the collection mechanism of access and carrying out collection person's account letter of collection management
Breath；
Automatic allocation strategy configuration module, for being divided automatically on demand according to the overdue case and the collection mechanism
The configuration of case strategy；
Automatic division module calculates the apportioning cost of automatic division, and press institute for parsing the automatic division strategy in real time
Apportioning cost is stated to distribute the overdue case to the collection mechanism.
In conjunction with second aspect, in the first possible implementation, the overdue case generation module further comprises
Overdue data computation module, the overdue data computational submodule are used for:
According to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated；
Wherein, the overdue loaning bill order include at least overdue order number, loaning bill essential information, the overdue information of borrowing money and/
Or loaning bill customer information, the case information include at least case number, enter information, case overdue information when urging, division information and/
Or information of winding up the case, the overdue data include at least overdue stage and/or overdue number of days.
In conjunction with second aspect, in the second possible implementation, the automatic allocation strategy configuration module is further
Comprise determining that submodule, the determining submodule are used for:
Determine to include overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable, it is specific to wrap
It includes:
Enter to calculate when urging and completes the overdue stage, overdue number of days；
Overdue divided stages are carried out by setting assignment period；
According to collection, mechanism determines allocation proportion；
The priority level and open and close function at any time of automatic division strategy are set.
In conjunction with second aspect, in the third possible implementation, the automatic division module further comprises strategy
Initialization submodule, case prepare submodule, real-time allocation proportion computational submodule and save submodule,
The strategy initialization submodule, for strategy initialization: preloading all automatic division strategies first and parse
At computable policy expression, it is cached in Installed System Memory after sorting by priority, it is automatic to refresh when strategy has altered
Caching, according to the policy expression cache information before automatic division strategy ID replacement, wherein each automatic division strategy can
Initially talk about corresponding pro rate initial information, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to case
Quantity N=0；
The case prepares submodule, for preparing case: the overdue case of the same day non-division is read in real time, from overdue case
Overdue data required for being obtained in part；
The real-time allocation proportion computational submodule, for calculating: according to the priority level of automatic division strategy to overdue
Case policy calculation one by one, first by Spring El expression formula engine calculating the case in calculating process, which belongs to is automatic
Division strategy continues to use allocation proportion when preset ratio calculation method is put into effect and calculates when meeting some automatic division strategy,
A collection mechanism x is obtained, the preset ratio calculation method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution sum
Amount, Rx are the allocation proportion of xJia collection mechanism, and f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and real-time update should
The pro rate information in the buffer of strategy, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
The preservation submodule, for saving: saving distribution information, and the same day was marked to do the overdue case of policy calculation
Part.
In conjunction with any one of second aspect and the first to three kind of possible implementation of second aspect, at the four to six kind
In possible implementation, the system also includes:
The automatic recycling module of case, is used for:, will when the case for distributing to collection mechanism expires, and overdue money is not recovered
This case does automatic recovery processing, and when recycling can produce case historical information, the collection situation of user record case at that time, case
Part historical information is to count the data source of collection mechanism performance；It is used after case recycling for automatic division part module, does and continue
Batch operation gives other collection mechanisms and continues to do collection；
Collection job management module, is used for: by the collection of collection mechanism supervisor carry out the distribution of one key of case, adjust it is single and
It checks case collection situation, the case of collection supervisor's distribution is checked by collection person, collection operation is executed and records and urge note；
Go out to urge module in real time, be used for: when user refunds, the case just in collection being made and urges processing, after urging out
Case, system will not division again, collection person also stops doing collection to the case, and assignment period is cooperated to be included in this case
The performance of collection mechanism and collection person；
Report form statistics module, is used for: the index of rate is urged back according to the case for including each collection mechanism, statistics collection mechanism
Performance, collection analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is such as
Under:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx
Mx refers to overdue stage=M1, M2, M3, M4, M5....
Technical solution provided in an embodiment of the present invention has the benefit that
The collection method and system of division real-time in proportion provided in an embodiment of the present invention, by according to overdue case and urging
The configuration that mechanism carries out automatic division strategy on demand is received, automatic division strategy is then parsed, calculates the distribution of automatic division in real time
Value, and is distributed overdue case to collection mechanism by apportioning cost, can be matched with collections demands such as collection mechanism collection levels
In the case where, it realizes the automatic division of proper proportion, has a good application prospect.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is the collection method flow diagram for the division real-time in proportion that the embodiment of the present invention 1 provides；
Fig. 2 is the sub-step flow diagram for including in 103 steps；
Fig. 3 is the sub-step flow diagram for including in 104 rapid；
Fig. 4 is the collection method flow diagram for the division real-time in proportion that the embodiment of the present invention 2 provides；
Fig. 5 is the collection system structure composition schematic diagram for the division real-time in proportion that the embodiment of the present invention 3 provides；
Fig. 6 is the industry that the collection method and system for the division real-time in proportion that Application Example provides according to the present invention are realized
Business schematic diagram.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached in the embodiment of the present invention
Figure, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only this
Invention a part of the embodiment, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall within the protection scope of the present invention.
The collection method and system of division real-time in proportion provided in an embodiment of the present invention, by according to overdue case and urging
The configuration that mechanism carries out automatic division strategy on demand is received, automatic division strategy is then parsed, calculates the distribution of automatic division in real time
Value, and is distributed overdue case to collection mechanism by apportioning cost, can be matched with collections demands such as collection mechanism collection levels
In the case where, it realizes the automatic division of proper proportion, has a good application prospect.
Combined with specific embodiments below and its attached drawing, the collection method of the division real-time in proportion inventive embodiments provided
And system elaborates.
Embodiment 1
Fig. 1 is the collection method flow diagram for the division real-time in proportion that the embodiment of the present invention 1 provides, as shown in Figure 1, this hair
The collection method for the division real-time in proportion that bright embodiment provides, comprising the following steps:
101, timing imports overdue loaning bill order in batches, generates the overdue case to collection.
Specifically, calculating the overdue data of overdue case according to the overdue loaning bill order and its case information of importing.Its
In, overdue loaning bill order includes at least overdue order number, loaning bill essential information, borrow money overdue information and/or loaning bill customer information,
Case information includes at least case number, enters the overdue information of information, case, division information and/or information of winding up the case, overdue data when urging
Including at least overdue stage and/or overdue number of days.
Table 1 is overdue loaning bill order detail Examples of information.
Table 2 is case Examples of information.
102, it configures the collection mechanism of access and carries out collection person's account information of collection management.
Specifically, the collection mechanism of configuration access and collection person's account information of progress collection management, are mainly used for carrying out
Collection mechanism access and collection person's management.
103, the configuration of automatic division strategy is carried out on demand according to overdue case and collection mechanism.
Specifically, automatic division strategy configuration is mainly used for configuring collection mechanism division strategy, common division variable has
Overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion etc..
Fig. 2 is the sub-step flow diagram for including in 103 steps, as shown in Fig. 2, 103 steps further comprise:
103a, enter to calculate when urging and complete overdue stage, overdue number of days.
The overdue stage can use M1, M2, M3, and M4, M5... are indicated.
103b, overdue divided stages are carried out by setting assignment period.
It is N number of moon, N days or some day this month that assignment period, which can match,.
103c, allocation proportion is determined according to collection mechanism.
Allocation proportion need to cooperate collection mechanism to use, and such as configure 30% collection mechanism B 70% of collection mechanism A.
103d, the priority level of the automatic division strategy of setting and open and close function at any time.
Has priority between strategy and strategy, strategy can be closed and be opened at any time.
Table 3 is the initial policy configuration example of complete set.
104, automatic division strategy is parsed, calculates the apportioning cost of automatic division in real time, and divide overdue case by apportioning cost
It is assigned to collection mechanism.
Fig. 3 is the sub-step flow diagram for including in 104 rapid, as shown in figure 3,104 steps further comprise:
Strategy initialization: all automatic division strategies are preloaded first and are parsed into computable policy expression, by excellent
It is cached in Installed System Memory after first grade sequence, when strategy has altered, automatic flush buffers are replaced according to automatic division strategy ID
Policy expression cache information before alternatively, wherein each automatic division strategy can initially talk about corresponding pro rate and initially believe
Breath, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to caseload N=0；
Prepare case: reading the overdue case of the same day non-division in real time, overdue number required for being obtained from overdue case
According to；
It calculates: according to the priority level of automatic division strategy to overdue case policy calculation one by one, first being borrowed in calculating process
Spring El expression formula engine is helped to calculate which automatic division strategy is the case belong to, when meeting some automatic division strategy
When, it continues to use allocation proportion when preset ratio calculation method is put into effect and calculates, obtain a collection mechanism x, the preset ratio
Calculation method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution sum
Amount, Rx are the allocation proportion of xJia collection mechanism, and f (x) is the distribution fiducial value of xJia collection mechanism.General real-time scale
Calculating process is more complicated, using aforementioned proportion calculation method, can reduce system-computed complexity.
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and real-time update should
The pro rate information in the buffer of strategy, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
It saves: saving distribution information, and the same day was marked to do the overdue case of policy calculation.
Which type of strategy is the case that entire calculating process does not need to be known in advance existing non-division meet, and how much is distribution
Ratio gives some company, but is calculated in real time by case one by one, and can be distributed by calculating one by one, significantly offer system
Efficiency.
In another embodiment, the collection method of division real-time in proportion provided in an embodiment of the present invention, in addition to comprising
Above-mentioned 101~104 step, further comprising the steps of:
Case recycles automatically: when the case for distributing to collection mechanism expires, and overdue money is not recovered, this case being done
Automatic recovery processing, when recycling, can produce case historical information, the collection situation of user record case at that time, case historical information
It is the data source for counting collection mechanism performance；It is used after case recycling for automatic division part module, does continuation batch operation, point
Continue to do collection to other collection mechanisms；
Collection job management: the distribution of one key of case is carried out, list is adjusted and checks case by the collection supervisor of collection mechanism
Collection situation checks the case of collection supervisor's distribution by collection person, executes collection operation and record and urge note；
Go out to urge in real time: when user refunds, the case just in collection being made and urges processing, the case after urging out, system
Will not division again, collection person also stops doing collection to the case, and cooperates assignment period that this case is included in collection mechanism
With the performance of collection person；
Allocation proportion adjustment: urging back the index of rate according to the case for including each collection mechanism, counts the performance of collection mechanism,
Collection analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx；
Mx refers to overdue stage=M1, M2, M3, M4, M5....
Embodiment 2
Fig. 4 is the collection method flow diagram for the division real-time in proportion that the embodiment of the present invention 2 provides, as shown in figure 4, this hair
The collection method for the division real-time in proportion that bright embodiment provides, comprising the following steps:
201, according to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated.
Wherein, the overdue loaning bill order include at least overdue order number, loaning bill essential information, the overdue information of borrowing money and/
Or loaning bill customer information, the case information include at least case number, enter information, case overdue information when urging, division information and/
Or information of winding up the case, the overdue data include at least overdue stage and/or overdue number of days.
It is worth noting that, the process of step 201, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
202, it configures the collection mechanism of access and carries out collection person's account information of collection management.
It configures the collection mechanism of access and carries out collection person's account information of collection management, be mainly used for carrying out collection mechanism
Access and collection person's management.
It is worth noting that, the process of step 202, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
203, determine include overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable.
The step specifically includes:
Enter to calculate when urging and completes the overdue stage, overdue number of days；
Overdue divided stages are carried out by setting assignment period；
According to collection, mechanism determines allocation proportion；
The priority level and open and close function at any time of automatic division strategy are set.
It is worth noting that, the process of step 203, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
204, the automatic division strategy is parsed, calculates the apportioning cost of automatic division in real time, and presses the apportioning cost for institute
Overdue case is stated to distribute to the collection mechanism.
204 steps further comprise following sub-step:
Strategy initialization: all automatic division strategies are preloaded first and are parsed into computable policy expression, by excellent
It is cached in Installed System Memory after first grade sequence, when strategy has altered, automatic flush buffers are replaced according to automatic division strategy ID
Policy expression cache information before alternatively, wherein each automatic division strategy can initially talk about corresponding pro rate and initially believe
Breath, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to caseload N=0；
Prepare case: reading the overdue case of the same day non-division in real time, overdue number required for being obtained from overdue case
According to；
It calculates: according to the priority level of automatic division strategy to overdue case policy calculation one by one, first being borrowed in calculating process
Spring El expression formula engine is helped to calculate which automatic division strategy is the case belong to, when meeting some automatic division strategy
When, it continues to use allocation proportion when preset ratio calculation method is put into effect and calculates, obtain a collection mechanism x, the preset ratio
Calculation method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution sum
Amount, Rx are the allocation proportion of xJia collection mechanism, and f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and real-time update should
The pro rate information in the buffer of strategy, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
It saves: saving distribution information, and the same day was marked to do the overdue case of policy calculation.
It is worth noting that, the process of step 204, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
In another embodiment, the collection method of division real-time in proportion provided in an embodiment of the present invention, in addition to comprising
Above-mentioned 201~204 step, further comprising the steps of:
Case recycles automatically: when the case for distributing to collection mechanism expires, and overdue money is not recovered, this case being done
Automatic recovery processing, when recycling, can produce case historical information, the collection situation of user record case at that time, case historical information
It is the data source for counting collection mechanism performance；It is used after case recycling for automatic division part module, does continuation batch operation, point
Continue to do collection to other collection mechanisms；
Collection job management: the distribution of one key of case is carried out, list is adjusted and checks case by the collection supervisor of collection mechanism
Collection situation checks the case of collection supervisor's distribution by collection person, executes collection operation and record and urge note；
Go out to urge in real time: when user refunds, the case just in collection being made and urges processing, the case after urging out, system
Will not division again, collection person also stops doing collection to the case, and cooperates assignment period that this case is included in collection mechanism
With the performance of collection person；
Allocation proportion adjustment: urging back the index of rate according to the case for including each collection mechanism, counts the performance of collection mechanism,
Collection analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx；
Mx refers to overdue stage=M1, M2, M3, M4, M5....
Embodiment 3
Fig. 5 is the collection system structure composition schematic diagram for the division real-time in proportion that the embodiment of the present invention 3 provides, such as Fig. 5
Shown, the collection system of division real-time in proportion provided in an embodiment of the present invention includes:
Overdue case generation module 31 generates the overdue case to collection for periodically importing overdue loaning bill order in batches.
Overdue case generation module 31 further comprises overdue data computation module 311, and overdue data computational submodule 311 is used for: root
According to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated；Wherein, overdue loaning bill order is at least
Including overdue order number, loaning bill essential information, borrow money overdue information and/or loaning bill customer information, case information includes at least case
Piece number enters the overdue information of information, case, division information and/or information of winding up the case when urging, and overdue data include at least the overdue stage
And/or overdue number of days.
Collection management configuration module 32, for configuring the collection mechanism of access and carrying out collection person's account letter of collection management
Breath.
Automatic allocation strategy configuration module 33, for carrying out automatic division strategy on demand according to overdue case and collection mechanism
Configuration.Automatic allocation strategy configuration module 33 further comprises: determining submodule 331, determines that submodule 331 is used for: determining
Including overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable, specifically include: entering and counted when urging
It calculates and completes overdue stage, overdue number of days；Overdue divided stages are carried out by setting assignment period；According to collection, mechanism determines distribution ratio
Example；The priority level and open and close function at any time of automatic division strategy are set.
Automatic division module 34 calculates the apportioning cost of automatic division, and by distribution for parsing automatic division strategy in real time
Value distributes overdue case to collection mechanism.Automatic division module 34 further comprises tactful initialization submodule 341, case standard
Standby submodule 342, real-time allocation proportion computational submodule 343 and preservation submodule 344.
Wherein, tactful initialization submodule 341, for strategy initialization: preloading all automatic division strategies first simultaneously
It is parsed into computable policy expression, is cached in Installed System Memory after sorting by priority, when strategy has altered, automatically
Flush buffers, according to the policy expression cache information before automatic division strategy ID replacement, wherein each automatic division strategy
Corresponding pro rate initial information will initially be talked about, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to
Caseload N=0；
Case prepares submodule 342, for preparing case: the overdue case of the same day non-division is read in real time, from overdue case
Overdue data required for being obtained in part.
Real-time allocation proportion computational submodule 343, for calculating: according to the priority level of automatic division strategy to overdue case
Part policy calculation one by one first calculates which automatic point the case belong to by Spring El expression formula engine in calculating process
Case strategy continues to use allocation proportion when preset ratio calculation method is put into effect and calculates, obtain when meeting some automatic division strategy
A collection mechanism x is obtained, the preset ratio calculation method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution sum
Amount, Rx are the allocation proportion of xJia collection mechanism, and f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and real-time update should
The pro rate information in the buffer of strategy, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
Submodule 344 is saved, for saving: saving distribution information, and the same day was marked to do the overdue case of policy calculation
Part.
In another preferred embodiment, above system further include:
The automatic recycling module 35 of case, is used for: when the case for distributing to collection mechanism expires, and overdue money is not recovered,
This case is done into automatic recovery processing, when recycling, can produce case historical information, the collection situation of user record case at that time,
Case historical information is to count the data source of collection mechanism performance；Case recycling after for automatic division part module use, do after
Continuous batch operation, gives other collection mechanisms and continues to do collection；
Collection job management module 36, is used for: by the collection of collection mechanism supervisor carry out the distribution of one key of case, adjust it is single with
And check case collection situation, the case of collection supervisor's distribution is checked by collection person, collection operation is executed and records and urge note；
Go out to urge module 37 in real time, be used for: when user refunds, the case just in collection being made and urges processing, after urging out
Case, system will not division again, collection person also stops doing collection to the case, and assignment period is cooperated to receive this case
Enter collection mechanism and the performance of collection person；
Allocation proportion adjusts module 38, is used for: urging back the index of rate according to the case for including each collection mechanism, counts collection
The performance of mechanism, collection analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, corresponding to calculate
Formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx
Mx refers to overdue stage=M1, M2, M3, M4, M5....
Application Example
Fig. 6 is the industry that the collection method and system for the division real-time in proportion that Application Example provides according to the present invention are realized
Business schematic diagram, as shown in fig. 6, in the Application Example, the collection side of division real-time in proportion provided in an embodiment of the present invention
Following operation flow may be implemented in method and system:
Automatically enter to urge: entering to urge module loaning bill order batch overdue in credit core system can be imported collection system daily automatically
System, generate can collection overdue case.It is assumed that entering the case urged daily all is 10, overdue number of days is both greater than 0.
Access collection mechanism: logging in collection platform, and the collection mechanism and collection person's account information of access are wanted in configuration.It is false
It fixes into A, B Liang Ge collection company, 3 people of company A collection person, 7 people of B company collection person.
Configuration strategy: collection platform is logged in, configures specific division part strategy as needed in policy management module.It is false
Fixed initial division strategy is as follows:
Do not know that A's and B urges resilience power because company A ratio B company collection manpower is few, and at collection initial stage, initial policy this
Rigen configures according to investment manpower.
Automatic division: automatic division part module understands auto-initiation and synchronous configured division part strategy, automatic to search
The case of the same day non-division, and calculate division result in real time and save division result.Wherein daily automatic division part ratio calculates
It is as follows:
Following calculated result is obtained according to above-mentioned hypothesis strategy and case load:
If: N=1
A=0.3*1=0.3 A distributes case=0
B=0.7*1=0.7 B distributes case=1
If: N=2
A=0.3*2=0.6 A distributes case=1
B=0.7*2=1.4 B distributes case=1
If: N=3
A=0.3*3=0.9 A distributes case=1
B=0.7*3=2.1 B distributes case=2
Final calculating process is as follows:
Total N:1；Company's A allocation proportion: 0%, quantity: 0；Company's B allocation proportion: 100%, quantity: 1
Total N:2；Company's A allocation proportion: 50%, quantity: 1；Company's B allocation proportion: 50%, quantity: 1
Total N:3；Company's A allocation proportion: 33%, quantity: 1；Company's B allocation proportion: 67%, quantity: 2
Total N:4；Company's A allocation proportion: 25%, quantity: 1；Company's B allocation proportion: 75%, quantity: 3
Total N:5；Company's A allocation proportion: 40%, quantity: 2；Company's B allocation proportion: 60%, quantity: 3
Total N:6；Company's A allocation proportion: 33%, quantity: 2；Company's B allocation proportion: 67%, quantity: 4
Total N:7；Company's A allocation proportion: 29%, quantity: 2；Company's B allocation proportion: 71%, quantity: 5
Total N:8；Company's A allocation proportion: 25%, quantity: 2；Company's B allocation proportion: 75%, quantity: 6
Total N:9；Company's A allocation proportion: 33%, quantity: 3；Company's B allocation proportion: 67%, quantity: 6
Total N:10；Company's A allocation proportion: 30%, quantity: 3；Company's B allocation proportion: 70%, quantity: 7
Collection operation: after the completion of division, collection supervisor does a key to case and is assigned to collection person, and system can also be given automatically
Collection person is equally configured in strategy configuration, and the case that then collection person assigns to oneself carries out collection, and records and urge
Note.
Automatic recycling: automatic recycling module can recycle the case that collection person does not urge back on schedule automatically.
Go out to urge in real time: when receiving user's refund information that the push of credit core comes, going out to urge module can be to case in real time
Automatic processing of winding up the case.
Urge back rate daily paper: report center module can go out the kill probability of a collection mechanism automatically daily.It is assumed that a month mistake
It is that urge back rate be 90% for 50%, B company that company A, which urges back rate, afterwards.
Developing Tactics: as analysis of strategies teacher, it is found that certain collection mechanism urges back rate to be constantly in decline whithin a period of time
When trend, the allocation proportion of the collection company in division strategy can be manually adjusted.
Division is adjusted as follows:
10 percentage points are lowered to the allocation proportion of company A, 10 percentage points are raised to the allocation proportion of B company.
It should be understood that the collection system of division real-time in proportion provided by the above embodiment is real-time in proportion in triggering
When division business, only the example of the division of the above functional modules, in practical application, can according to need and will be upper
It states function distribution to be completed by different functional modules, i.e., the internal structure of system is divided into different functional modules, to complete
All or part of function described above.In addition, the collection system of division real-time in proportion provided by the above embodiment with press
The collection embodiment of the method for the real-time division of ratio belongs to same design, and specific implementation process is detailed in embodiment of the method, here not
It repeats again.
All the above alternatives can form alternative embodiment of the invention using any combination, herein no longer
It repeats one by one.
In conclusion the collection method and system of division real-time in proportion provided in an embodiment of the present invention, are exceeded by basis
Phase case and collection mechanism carry out the configuration of automatic division strategy on demand, then parse automatic division strategy, calculate in real time automatic
The apportioning cost of division, and distributing overdue case to collection mechanism by apportioning cost can be urged with collection mechanism collection level etc.
In the matched situation of receipts demand, realizes the automatic division of proper proportion, have a good application prospect.
Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware
It completes, relevant hardware can also be instructed to complete by program, the program can store in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
It is referring to according to the method for embodiment, equipment (system) and calculating in the embodiment of the present application in the embodiment of the present application
The flowchart and/or the block diagram of machine program product describes.It should be understood that can be realized by computer program instructions flow chart and/or
The combination of the process and/or box in each flow and/or block and flowchart and/or the block diagram in block diagram.It can mention
For the processing of these computer program instructions to general purpose computer, special purpose computer, Embedded Processor or other programmable datas
The processor of equipment is to generate a machine, so that being executed by computer or the processor of other programmable data processing devices
Instruction generation refer to for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram
The device of fixed function.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although the preferred embodiment in the embodiment of the present application has been described, once a person skilled in the art knows
Basic creative concept, then additional changes and modifications may be made to these embodiments.So appended claims are intended to explain
Being includes preferred embodiment and all change and modification for falling into range in the embodiment of the present application.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and
Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of collection method of division real-time in proportion, which is characterized in that the described method includes:
Timing imports overdue loaning bill order in batches, generates the overdue case to collection；
It configures the collection mechanism of access and carries out collection person's account information of collection management；
Carry out the configuration of automatic division strategy on demand according to the overdue case and the collection mechanism；
The automatic division strategy is parsed, calculates the apportioning cost of automatic division in real time, and presses the apportioning cost for the overdue case
Part is distributed to the collection mechanism.
2. generating the method according to claim 1, wherein timing imports overdue loaning bill order in batches to collection
Overdue case, comprising:
According to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated；
Wherein, the overdue loaning bill order includes at least overdue order number, loaning bill essential information, overdue information of borrowing money and/or borrows
Money customer information, the case information include at least case number, enter the overdue information of information, case, division information and/or knot when urging
Case information, the overdue data include at least overdue stage and/or overdue number of days.
3. the method according to claim 1, wherein according to the overdue case and the collection mechanism carry out by
Need the configuration of automatic division strategy, comprising:
Determine include overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable, specifically include:
Enter to calculate when urging and completes the overdue stage, overdue number of days；
Overdue divided stages are carried out by setting assignment period；
According to collection, mechanism determines allocation proportion；
The priority level and open and close function at any time of automatic division strategy are set.
4. the method according to claim 1, wherein the parsing automatic division strategy, calculates automatic point in real time
The apportioning cost of case, and distribute the overdue case to the collection mechanism by the apportioning cost, comprising:
Strategy initialization: all automatic division strategies are preloaded first and are parsed into computable policy expression, according to priority
It is cached in Installed System Memory after sequence, when strategy has altered, automatic flush buffers replace it according to automatic division strategy ID
Preceding policy expression cache information, wherein each automatic division strategy can initially talk about corresponding pro rate initial information,
It include: current distribution total quantity N=0, xJia collection mechanism is assigned to caseload N=0；
Prepare case: reading the overdue case of the same day non-division in real time, overdue data required for being obtained from overdue case；
Calculate: according to the priority level of automatic division strategy to overdue case policy calculation one by one, in calculating process first by
Spring El expression formula engine calculates which automatic division strategy is the case belong to, when meeting some automatic division strategy,
It continues to use allocation proportion when preset ratio calculation method is put into effect to calculate, obtains a collection mechanism x, the preset ratio calculates
Method includes carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution total quantity, Rx
For the allocation proportion of xJia collection mechanism, f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and the real-time update strategy
Pro rate information in the buffer, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
It saves: saving distribution information, and the same day was marked to do the overdue case of policy calculation.
5. method according to any one of claims 1 to 4, which is characterized in that the method also includes:
Case recycles automatically: when the case for distributing to collection mechanism expires, and overdue money is not recovered, this case being done automatically
Recovery processing, when recycling, can produce case historical information, and the collection situation of user record case at that time, case historical information is system
Count the data source of collection mechanism performance；It is used after case recycling for automatic division part module, does continuation batch operation, give it
His collection mechanism continues to do collection；
Collection job management: the distribution of one key of case is carried out, list is adjusted and checks case collection by the collection supervisor of collection mechanism
Situation checks the case of collection supervisor's distribution by collection person, executes collection operation and record and urge note；
Go out to urge in real time: when user refunds, the case just in collection being made and urges processing, the case after urging out, system will not
Division again, collection person also stop doing collection to the case, and cooperate assignment period that this case is included in collection mechanism and is urged
The performance of receipts person；
Report form statistics: urging back the index of rate according to the case for including each collection mechanism, counts the performance of collection mechanism, collection strategy
Analyst urges back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx；
Mx refers to overdue stage=M1, M2, M3, M4, M5....
6. a kind of collection system of division real-time in proportion characterized by comprising
Overdue case generation module generates the overdue case to collection for periodically importing overdue loaning bill order in batches；
Collection management configuration module, for configuring the collection mechanism of access and carrying out collection person's account information of collection management；
Automatic allocation strategy configuration module, for carrying out automatic division plan on demand according to the overdue case and the collection mechanism
Configuration slightly；
Automatic division module calculates the apportioning cost of automatic division, and by described point for parsing the automatic division strategy in real time
The overdue case is distributed to the collection mechanism with value.
7. system according to claim 6, which is characterized in that the overdue case generation module further comprises overdue number
According to computing module, the overdue data computational submodule is used for:
According to the overdue loaning bill order and its case information of importing, the overdue data of overdue case are calculated；
Wherein, the overdue loaning bill order includes at least overdue order number, loaning bill essential information, overdue information of borrowing money and/or borrows
Money customer information, the case information include at least case number, enter the overdue information of information, case, division information and/or knot when urging
Case information, the overdue data include at least overdue stage and/or overdue number of days.
8. system according to claim 6, which is characterized in that the automatic allocation strategy configuration module further comprises:
Determine that submodule, the determining submodule are used for:
Determine include overdue stage, overdue number of days, collection mechanism, assignment period, allocation proportion division variable, specifically include:
Enter to calculate when urging and completes the overdue stage, overdue number of days；
Overdue divided stages are carried out by setting assignment period；
According to collection, mechanism determines allocation proportion；
The priority level and open and close function at any time of automatic division strategy are set.
9. system according to claim 6, which is characterized in that the automatic division module further comprises tactful initialization
Submodule, case prepare submodule, real-time allocation proportion computational submodule and save submodule,
The strategy initialization submodule, for strategy initialization: preloading all automatic division strategies first and be parsed into can
The policy expression of calculating is cached in Installed System Memory after sorting by priority, and when strategy has altered, automatic refresh is delayed
It deposits, according to the policy expression cache information before automatic division strategy ID replacement, wherein each automatic division strategy can be just
Begin to talk about corresponding pro rate initial information, comprising: current distribution total quantity N=0, xJia collection mechanism are assigned to case number of packages
Measure N=0；
The case prepares submodule, for preparing case: the overdue case of the same day non-division is read in real time, from overdue case
Overdue data required for obtaining；
The real-time allocation proportion computational submodule, for calculating: according to the priority level of automatic division strategy to overdue case
Policy calculation one by one first calculates which automatic division is the case belong to by Spring El expression formula engine in calculating process
Strategy continues to use allocation proportion when preset ratio calculation method is put into effect and calculates, obtain when meeting some automatic division strategy
One collection mechanism x, the preset ratio calculation method include carrying out following calculating process:
Step 1: calculating distribution fiducial value f (x)；
F (x)=Rx*N-X
Step 2: asking maximum f (x)；
MaxX=Max (f (1) ... f (x))
Step 3: maximum f (x) distributes number+1；
MaxX++
Wherein, x is collection mechanism number, and X is that xJia collection mechanism is assigned to caseload, and N is current distribution total quantity, Rx
For the allocation proportion of xJia collection mechanism, f (x) is the distribution fiducial value of xJia collection mechanism；
The case has been calculated after collection mechanism, stops the subsequent policy calculation of the case immediately, and the real-time update strategy
Pro rate information in the buffer, including following information:
Distribute total quantity N=N+1；
XJia collection mechanism is assigned to caseload X=X+1；
The preservation submodule, for saving: saving distribution information, and the same day was marked to do the overdue case of policy calculation.
10. according to the described in any item systems of claim 6 to 9, which is characterized in that the system also includes:
The automatic recycling module of case, is used for:, will be this when the case for distributing to collection mechanism expires, and overdue money is not recovered
Case does automatic recovery processing, and when recycling can produce case historical information, and the collection situation of user record case at that time, case is gone through
History information is to count the data source of collection mechanism performance；It is used after case recycling for automatic division part module, does and continue to distribute
Operation, gives other collection mechanisms and continues to do collection；
Collection job management module, is used for: carrying out the distribution of one key of case by the collection supervisor of collection mechanism, adjusts list and check
Case collection situation checks the case of collection supervisor's distribution by collection person, executes collection operation and record and urge note；
Go out to urge module in real time, be used for: when user refunds, the case just in collection being made and urges processing, the case after urging out,
System will not division again, collection person also stops doing collection to the case, and cooperates assignment period that this case is included in collection
The performance of mechanism and collection person；
Report form statistics module, is used for: urging back the index of rate according to the case for including each collection mechanism, counts the achievement of collection mechanism
Effect, collection analysis of strategies teacher urge back rate to adjust allocation proportion at any time according to the case of each collection mechanism, and corresponding calculation formula is as follows:
Mx urges back overdue Mx number when winding up the case number/division when rate=division in overdue Mx
Mx refers to overdue stage=M1, M2, M3, M4, M5....
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| CN113487239A (en) * | 2021-08-05 | 2021-10-08 | 重庆颂车网络科技有限公司 | Intelligent case division method and system |
| CN113706295A (en) * | 2021-08-31 | 2021-11-26 | 平安普惠企业管理有限公司 | Data analysis-based collection case distribution method, device, equipment and medium |
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