CN110310195A - Collection method and system after loan - Google Patents
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Abstract
The embodiment of the present invention discloses collection method and system after a kind of loan, wherein method includes the following steps: that choosing corresponding data-interface according to the data format of case data obtains case data, case data are divided to different case databases according to the case attribute that case data indicate, wherein case attribute includes at least the overdue attribute of case and collection time number attribute, different collection modes is matched for the case in case database based on preset strategy engine again, wherein, the corresponding collection strategy of preset strategy engine includes at least the overdue strategy of case and collection number strategy.Using the present invention, collection after specification, effective loan may be implemented, reduce bad credit rate.
Description
Technical field
The present invention relates to collection method and system after air control technical field after financial industry loan more particularly to a kind of loan.
Background technique
The credit air control of financial industry at present point borrow before, borrow in, borrow after three parts.Air control field after loan, industry are current
Development is more slow, based on traditional artificial treatment, wind after substantially imperfect, independent, novel information technology is borrowed
Control platform.
According to statistics, China's commercial banks non-performing loan rate 1.5%, it is contemplated that the fraction defective of other financial institutions is banking system
3-5 times.In addition current P2P net borrows the financial business such as platform, the consumer finance still in continuous development.Credit industry constantly rises
High non-performing loan rate and promise breaking debt remaining sum, the demand to collection business is more and more vigorous.Collection as air control field most
End business needs specification collection market, and strict control, to prevent the generation of the unlawful practices such as violence collection, harassing and wrecking collection.
Therefore, market needs collection system after professional loan, the management of collection business is carried out, to facilitate collection Corporation Instructions collection team
With collection process.
Summary of the invention
The embodiment of the present invention provides collection method and system after a kind of loan, may be implemented specification, it is effective borrow after collection, drop
Low bad credit rate.
First aspect of the embodiment of the present invention provides a kind of collection method after loan, it may include:
Corresponding data-interface is chosen according to the data format of case data and obtains case data, and case data include case
Main information, case accessory information, case more new information；
Case data are divided to different case databases according to the case attribute that case data indicate, case attribute is extremely
It less include the overdue attribute of case and collection time number attribute；
Different collection modes, preset strategy engine pair are matched based on preset strategy engine for the case in case database
The collection strategy answered includes at least the overdue strategy of case and collection number strategy.
Further, the above method further include:
Different collection modes will be matched for the case in case database according to the division operational order inputted.
Further, the above method further include:
If the case corresponding collection feedback data for having matched collection mode is not detected, based on preset strategy engine or
Division operational order is that case matches collection mode again.
Further, the above method further include:
According to acquired case inquiry instruction, the query interface of case inquiry instruction instruction is determined；
Generate the corresponding statistical report form of query interface.
Further, the above method further include:
According to the inquiry form output display statistical report form of case inquiry instruction instruction.
Further, above-mentioned collection mode includes at least phone collection, law works collection, the outer collection of committee, visiting abroad collection, short message
Collection.
Further, the above method further include:
Telephonograph during phone collection is stored to recording data library.
Further, the above method further include:
According to the corresponding collection short message of the case Data Matching of case；
Collection short message is sent to the corresponding user terminal of loaning bill user identifier in case data.
Second aspect of the embodiment of the present invention provides collection system after a kind of loan, it may include:
Case data acquisition module obtains case for choosing corresponding data-interface according to the data format of case data
Data, case data include case main information, case accessory information, case more new information；
Case data are divided to different by case data division module, the case attribute for being indicated according to case data
Case database, case attribute include at least the overdue attribute of case and collection time number attribute；
Collection mode matching module, for being that the case in case database matches different urge based on preset strategy engine
Debit's formula, the corresponding collection strategy of preset strategy engine include at least the overdue strategy of case and collection number strategy.
Further, above-mentioned collection mode matching module is also used to according to the division operational order inputted be case
Case in database matches different collection modes.
Further, above-mentioned collection mode matching module, if being also used to be not detected the case pair for having matched collection mode
It is that case matches collection mode again based on preset strategy engine or division operational order when the collection feedback data answered.
Further, above system further include:
Query interface determining module, for determining the instruction of case inquiry instruction according to acquired case inquiry instruction
Query interface；
Statistical report form generation module, for generating the corresponding statistical report form of query interface.
Further, above system further include:
Statistical report form output module, the inquiry form output display statistical report form for being indicated according to case inquiry instruction.
Further, above-mentioned collection mode includes at least phone collection, law works collection, the outer collection of committee, visiting abroad collection, short message
Collection.
Further, above system further include:
Recording memory module, for storing the telephonograph during phone collection to recording data library.
Further, above system further include:
Collection short message matching module, for the corresponding collection short message of case Data Matching according to case；
Collection SMS transmission module, for collection short message to be sent to the corresponding user of loaning bill user identifier in case data
Terminal.
In embodiments of the present invention, by by case data import system, and according to the different attribute of case by case number of packages
It is that case in case database matches different collections according to being divided to different case databases, then based on preset strategy engine
Mode forms collection system after a specification, effective loan, reduces bad credit rate.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described.
Fig. 1 is collection overall system architecture schematic diagram after loan provided in an embodiment of the present invention；
Fig. 2 is the flow diagram of collection method after a kind of loan provided in an embodiment of the present invention；
Fig. 3 is the structural schematic diagram of collection system after a kind of loan provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description.
Below in conjunction with attached drawing 1 and attached drawing 2, describe in detail to collection method after loan provided in an embodiment of the present invention.
Fig. 1 is to urge the overall structure diagram of money system after loan provided in an embodiment of the present invention, by short message docking platform,
The general data interaction for importing and exporting Interface for System and external equipment of intersystem communications interface, Excel, can be set simultaneously
Interface is customized for the subsequent more functions of platform continual exploitation.Collection database in system can be storage case and urge
The database of related data, recording data library can store recording file, file data during case collection during receipts
Library can store some attachmentes of case, such as contract.What the call center in Fig. 1 was docked is that the needs such as phone or short message are logical
Cross the mode that external network (local gateway or Intenet) carries out collection.
Fig. 2 is referred to, for the embodiment of the invention provides the flow diagrams of a kind of collection method after loan.As shown in Fig. 2,
The embodiment of the present invention the method may include following steps S101- step S103.
S101 chooses corresponding data-interface according to the data format of case data and obtains case data.
Specifically, above system can choose corresponding data-interface acquisition case number of packages according to the data format of case data
According to, it is to be understood that above-mentioned case data can be the corresponding data of loan case to collection, may include case main body
Information (for example, the personal information of prospective borrower, the amount of the loan, mode of repayment, refund date etc.), case accessory information (for example,
Contract for being signed or receipt etc. when prospective borrower provides a loan) and case more new information (such as refund information, association urge information, repairs
Complex information etc.).
It should be noted that above system can provide the data introducting interface of multiple format, for example, Excel (stent
Plate, self-defined template) format introducting interface, data communication (Web Service, Socket, http/https etc.) mode interface
Deng.Above system can choose corresponding data-interface acquisition case number of packages according to the data format of current case data to be imported
According to.
Case data are divided to different case databases according to the case attribute that above-mentioned case data indicate by S102.
It is understood that above-mentioned case attribute may include the overdue attribute of case and collection time number attribute, case is overdue
Attribute can indicate the information such as whether overdue case and overdue duration, the overdue amount of money, and collection time number attribute can indicate case
Whether crossed by collection or how many times are crossed in collection.
In embodiments of the present invention, case data can be divided to different case numbers of packages according to case attribute by above system
According to library, for example, overdue case is divided in the same case database, it is overdue that a database is divided in by collection, exceed
Phase is not divided in a database by the case of collection.
S103 matches different collection modes based on preset strategy engine for the case in case database.
Specifically, above system can match different collections based on preset strategy engine for the case in case database
Mode, it is to be understood that above-mentioned preset strategy engine can be pre-set for expressing the engine of collection strategy, the plan
Slightly the corresponding collection strategy of engine may include the overdue strategy of case (i.e. according to the case whether overdue or overdue time or
The collection strategy that overdue duration is formulated) and collection number strategy (whether crossed by collection according to case or by the secondary of collection
The fixed collection strategy of numeral system).Above-mentioned collection mode may include phone collection, law works collection, the outer collection of committee, visiting abroad collection, short
Believe collection etc..
It should be noted that being directed to phone collection, above system can pass through docking call center or fixed line binding record
The mode of sound card, realize in systems call, record, hang up, the electricity such as a key group is exhaled, voice downloading, online test listening exhale function
Can, the telephonograph during phone collection can also be stored to recording data library.
For visiting abroad collection, it can be collection assistant director and directly look for other parties such as collection object or its relatives progress
The collection mode of account is urged face to face.When the non-contact collections such as short message collection, phone collection do not have effect, bank and financial institution
Often sending collection assistant director directly to look for is urged object or party to carry out collection, or when electricity such as urges not get in touch with collection at the modes
When object, sending collection person to carry out information reparation in a manner of visiting abroad.Present system provides the end PC (B/S), the end IOS,
Three kinds of end Android etc. mode carries out visiting abroad collection.
For law works collection, the function that law works collection process can be managed by system, when bank or financing corporation are logical
After crossing various collection modes and can not all recalling a loan, the legal means such as lawsuit may be selected.
It may include message template editor, template Auto-matching, short message transmission, bulk SMS and hair for short message collection
Send the query statistic function of short message.In the specific implementation, above system can be corresponding for its matching according to the case data of case
Collection short message, and then the collection short message can be sent to the corresponding user terminal of loaning bill user identifier in case data.It is above-mentioned
Loaning bill user identifier can be the contact method of loaning bill user, for example, phone, mailbox etc..
For outer collection of entrusting, the function for outer collection of entrusting includes: the tracking and inquiry of tactful automatic division function, case of classifying
Function, batch data export function (supporting Excel and other interface formats), collection record imports and update, committee's other unit's industry
Achievement counts, winds up the case automatically, moves back case function, commission self-help settlement function etc..
In an alternative embodiment, above system will be able to be case number of packages according to the division operational order that user is inputted manually
Match different collection modes according to the case in library, i.e., user can be to be that case matches in a manner of collection manually.
In an alternative embodiment, after case matched collection mode, it is understood that there may be because of the adjustment of case distribution, collection people
The reasons such as employee adjusts, the withdrawal of case handle case not, and above system can be at any time or when one section
Between detect once whether have for matched collection mode case collection feedback data, it can detection matched collection side
Whether the case of formula is processed.It is understood that can be based on above-mentioned if above-mentioned collection feedback data is not detected in system
If policy engine or the division operational order of user's input are that case matches collection mode again.
In an alternative embodiment, above system can provide report form statistics function, in general, an inquiry report can correspond to
One query interface, it is to be understood that above system can provide real-time query function, and system can be generated in system after inquiry
Count report.
Preferably, above system can determine looking into for case inquiry instruction instruction according to acquired case inquiry instruction
Asking interface further can be generated the corresponding statistical report form of the query interface, and further, above system can be according to case
The inquiry form output display statistical report form of part inquiry instruction instruction.It is understood that the display format of above-mentioned statistical report form
Can there are the two dimensions such as Char chart (such as cake chart, histogram), three-dimensional statement form, or in addition to Char chart, system
Statistical report form can be exported with data formats such as Excel, PDF, the specific form for exporting statistical report form can be inquired according to case
The inquiry form of instruction instruction determines.
In embodiments of the present invention, by by case data import system, and according to the different attribute of case by case number of packages
It is that case in case database matches different collections according to being divided to different case databases, then based on preset strategy engine
Mode forms collection system after a specification, effective loan, reduces bad credit rate.
It should be noted that step shown in the flowchart of the accompanying drawings can be in such as a group of computer-executable instructions
It is executed in computer installation, although also, logical order is shown in flow charts, and it in some cases, can be with not
The sequence being same as herein executes shown or described step.
Below in conjunction with attached drawing 3, describe in detail to collection system after loan provided in an embodiment of the present invention.It needs to illustrate
, collection system after attached loan shown in Fig. 3, the method for executing Fig. 1 of the present invention and embodiment illustrated in fig. 2, for the ease of
Illustrate, only parts related to embodiments of the present invention are shown, disclosed by specific technical details, please refer to Fig. 1 of the present invention and
Embodiment shown in Fig. 2.
Fig. 3 is referred to, for the embodiment of the invention provides a kind of structural schematic diagrams of collection system after loan.As shown in figure 3,
After the loan of the embodiment of the present invention collection system 10 may include: case data acquisition module 101, case data division module 102,
Collection mode matching module 103, query interface determining module 104, statistical report form generation module 105, statistical report form output module
106, recording memory module 107, collection short message matching module 108 and collection SMS transmission module 109.
Case data acquisition module 101 is obtained for choosing corresponding data-interface according to the data format of case data
Case data.
In the specific implementation, case data acquisition module 101 can choose corresponding number according to the data format of case data
Case data are obtained according to interface, it is to be understood that above-mentioned case data can be the corresponding data of loan case to collection,
It may include case main information (for example, the personal information of prospective borrower, the amount of the loan, mode of repayment, refund date etc.), case
Part accessory information (for example, contract or receipt etc. that prospective borrower is signed when providing a loan) and case more new information are (as refunded
Information, association urge information, restoration information etc.).
It should be noted that above system 10 can provide the data introducting interface of multiple format, for example, Excel is (fixed
Template, self-defined template) format introducting interface, data communication (Web Service, Socket, http/https etc.) mode connect
Mouthful etc..Case data acquisition module 101 can choose corresponding data according to the data format of current case data to be imported
Interface obtains case data.
Case data division module 102, the case attribute for being indicated according to above-mentioned case data divide case data
To different case databases.
It is understood that above-mentioned case attribute may include the overdue attribute of case and collection time number attribute, case is overdue
Attribute can indicate the information such as whether overdue case and overdue duration, the overdue amount of money, and collection time number attribute can indicate case
Whether crossed by collection or how many times are crossed in collection.
In embodiments of the present invention, case data can be divided to by case data division module 102 according to case attribute
Different case databases, for example, overdue case is divided in the same case database, it is overdue to be divided in one by collection
A database, it is overdue that a database is not divided in by the case of collection.
Collection mode matching module 103, for being that the case in case database matches difference based on preset strategy engine
Collection mode.
In the specific implementation, collection mode matching module 103 can be the case in case database based on preset strategy engine
Part matches different collection modes, it is to be understood that above-mentioned preset strategy engine can be it is pre-set for express urge
The engine of strategy is received, the corresponding collection strategy of the policy engine may include whether the overdue strategy of case is (i.e. overdue according to case
The either collection strategy that overdue time or overdue duration are formulated) and collection number strategy (whether urged according to case
The collection strategy received or formulated by the number of collection).Above-mentioned collection mode may include phone collection, law works collection, committee
Outer collection, visiting abroad collection, short message collection etc..
It should be noted that being directed to phone collection, above system 10 can be bound by docking call center or fixed line
The mode of sound recorded book, realize in systems call, record, hang up, the electricity such as a key group is exhaled, voice downloading, online test listening are exhaled
Function, recording memory module 107 can store the telephonograph during phone collection to recording data library.
For visiting abroad collection, it can be collection assistant director and directly look for other parties such as collection object or its relatives progress
The collection mode of account is urged face to face.When the non-contact collections such as short message collection, phone collection do not have effect, bank and financial institution
Often sending collection assistant director directly to look for is urged object or party to carry out collection, or when electricity such as urges not get in touch with collection at the modes
When object, sending collection person to carry out information reparation in a manner of visiting abroad.This system 10 provide the end PC (B/S), the end IOS,
Three kinds of end Android etc. mode carries out visiting abroad collection.
For law works collection, the function that law works collection process can be managed by system, when bank or financing corporation are logical
After crossing various collection modes and can not all recalling a loan, the legal means such as lawsuit may be selected.
It may include message template editor, template Auto-matching, short message transmission, bulk SMS and hair for short message collection
Send the query statistic function of short message.In the specific implementation, collection short message matching module 108 can be it according to the case data of case
Corresponding collection short message is matched, and then the collection short message can be sent in case data and borrow by collection SMS transmission module 109
The corresponding user terminal of money user identifier.Above-mentioned loaning bill user identifier can be the contact method of loaning bill user, for example, phone,
Mailbox etc..
For outer collection of entrusting, the function for outer collection of entrusting includes: the tracking and inquiry of tactful automatic division function, case of classifying
Function, batch data export function (supporting Excel and other interface formats), collection record imports and update, committee's other unit's industry
Achievement counts, winds up the case automatically, moves back case function, commission self-help settlement function etc..
In an alternative embodiment, collection mode matching module 103 can refer to according to the division operation that user is inputted manually
Order will match different collection modes for the case in case database, i.e., user can be to be in a manner of case matching collection manually.
In an alternative embodiment, after case matched collection mode, it is understood that there may be because of the adjustment of case distribution, collection people
The reasons such as employee adjusts, the withdrawal of case handle case not, collection mode matching module 103 can at any time or
Whether detection once has the collection feedback data for the case for having matched collection mode at regular intervals, it can detection is
Whether the case of matching collection mode is processed.It is understood that being urged if above-mentioned collection feedback data is not detected in system
Debit's formula matching module 103 can be matched based on the above-mentioned division operational order for setting policy engine or user's input as case again
Collection mode.
In an alternative embodiment, above system 10 can provide report form statistics function, in general, an inquiry report can be right
Answer a query interface, it is to be understood that above system can provide real-time query function, and system 10 can give birth to after inquiry
At statistical report form.
Preferably, query interface determining module 104 can determine that case inquiry refers to according to acquired case inquiry instruction
The query interface of instruction is enabled, further, the corresponding statistics report of the query interface can be generated in statistical report form generation module 105
Table, further, the inquiry form that statistical report form output module 106 can be indicated according to case inquiry instruction export display
Statistical report form.It is understood that the display format of above-mentioned statistical report form can have Char chart (such as cake chart, histogram)
Etc. two dimensions, three-dimensional statement form, or in addition to Char chart, system can be exported with data formats such as Excel, PDF and be counted
Report, the inquiry form that the specific form for exporting statistical report form can be indicated according to case inquiry instruction determine.
In embodiments of the present invention, by by case data import system, and according to the different attribute of case by case number of packages
It is that case in case database matches different collections according to being divided to different case databases, then based on preset strategy engine
Mode forms collection system after a specification, effective loan, reduces bad credit rate.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
The above disclosure is only the preferred embodiments of the present invention, cannot limit the right model of the present invention with this certainly
It encloses, therefore equivalent changes made in accordance with the claims of the present invention, is still within the scope of the present invention.
Claims (10)
1. a kind of collection method after loan characterized by comprising
Corresponding data-interface is chosen according to the data format of case data and obtains the case data, and the case data include
Case main information, case accessory information, case more new information；
The case data are divided to different case databases, the case according to the case attribute that the case data indicate
Part attribute includes at least the overdue attribute of case and collection time number attribute；
Different collection modes is matched for the case in the case database based on preset strategy engine, the preset strategy is drawn
Corresponding collection strategy is held up including at least the overdue strategy of case and collection number strategy.
2. the method according to claim 1, wherein the method also includes:
Different collection modes will be matched for the case in the case database according to the division operational order inputted.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
If the case corresponding collection feedback data for having matched the collection mode is not detected, drawn based on the preset strategy
It holds up or the division operational order is that the case matches collection mode again.
4. the method according to claim 1, wherein the method also includes:
According to acquired case inquiry instruction, the query interface of the case inquiry instruction instruction is determined；
Generate the corresponding statistical report form of the query interface.
5. according to the method described in claim 4, it is characterized in that, the method also includes:
The statistical report form is shown according to the inquiry form output of case inquiry instruction instruction.
6. according to the method described in claim 1, it is characterized by:
The collection mode includes at least phone collection, law works collection, the outer collection of committee, visiting abroad collection, short message collection.
7. according to the method described in claim 6, it is characterized in that, the method also includes:
Telephonograph during the phone collection is stored to recording data library.
8. according to the method described in claim 6, it is characterized in that, the method also includes:
According to the corresponding collection short message of the case Data Matching of the case；
The collection short message is sent to the corresponding user terminal of loaning bill user identifier in the case data.
9. collection system after a kind of loan characterized by comprising
Case data acquisition module obtains the case for choosing corresponding data-interface according to the data format of case data
Data, the case data include case main information, case accessory information, case more new information；
The case data are divided to not by case data division module, the case attribute for being indicated according to the case data
Same case database, the case attribute include at least the overdue attribute of case and collection time number attribute；
Collection mode matching module, for being that the case in the case database matches different urge based on preset strategy engine
Debit's formula, the corresponding collection strategy of the preset strategy engine include at least the overdue strategy of case and collection number strategy.
10. system according to claim 9, it is characterised in that:
The collection mode matching module, being also used to will be in the case database according to the division operational order inputted
Case matches different collection modes.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111199470A (en) * | 2019-12-12 | 2020-05-26 | 北京淇瑀信息科技有限公司 | Method and device for controlling post-loan management frequency and electronic equipment |
| CN112988875A (en) * | 2021-04-08 | 2021-06-18 | 北京澎思科技有限公司 | Multi-dimensional data acquisition device, system and method |
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Application publication date: 20191008 |