CN111340617A - Credit card hastening talk delay feedback method generation device - Google Patents
Credit card hastening talk delay feedback method generation device Download PDFInfo
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Abstract
A credit card hastening talk delay feedback method generation device relates to the technical field of information processing. The delay feedback method generation device provided by the embodiment of the application comprises a user information input module, an information analysis module, a user classification module, a word operation generation module, a pushing module and an artificial delay feedback module, the embodiment of the application comprises a client analysis module and a computer operation platform, consumption behaviors of a card holder, credit limits, data of abnormal transactions and the like are collected, primary collection promotion levels and secondary collection levels are classified according to client data, corresponding collection promotion techniques and collection voice adjustment are formulated, artificial delay feedback is carried out, collection results are counted, collected and analyzed, a follow-up collection scheme is optimized, for the credit card collection industry, the application device is favorable for utilization of human resources, the collection success rate is increased, and the collection efficiency is improved.
Description
Technical Field
The invention relates to the technical field of information processing, in particular to a credit card call collection delay feedback method generation device.
Background
With the development of economy and the rise of internet finance, cash credit and consumer credit services appear in large quantities, and the problem is how to collect the money which is credited out, and the collection service becomes an important ring. In the short time of using credit cards for consumption in China, the history of establishing a special credit card collection urging management department by a plurality of card issuing banks is not long, the related experience accumulation has a great gap compared with western countries with mature financial environments, the collection urging manner adopted is still more traditional, a large amount of manual work is mainly used for carrying out telephone and short message contact on overdue clients of loans, and friends and family of the clients are contacted if necessary, so that the anti-emotional rise of the objects to be collected is caused, the collectors are easily influenced by negative effects of bad emotions in the collection urging process, the interaction degree with the clients is low, and the collection urging effect is influenced. From the large development trend, it has become a consensus among many people to increase the fine collection management.
The definition of the refined collection urging management is to adopt an advanced informatization means, carry out intensive and targeted risk management on the credit card, implement efficient, humanized and reasonable collection urging work, and realize the maximization of the income and the minimization of the loss. The future collection will increasingly embody the three main lines of profit maximization, cost intensification and customer satisfaction, and the innovative and scientific technical support cannot be left in the practical process.
This application is an important component direction of urging management for becoming more meticulous, through customer analysis module and computer operation platform, data such as consumption action, credit limit, the abnormal appearance transaction to the card holder gather, carry out the grade of urging receipts first according to customer data, the grade is categorised is urged to be accepted to the secondary, formulate corresponding urge to accept the word art, urge to accept the adjustment of tone, and the feedback of artifical postponing, it makes statistics of, gathers, the analysis to urge to accept the result, in order to optimize follow-up urge to accept the scheme, for the trade is urged to accept to the credit card, the effect of this application device will be favorable to manpower resources's utilization, increase and urge to accept the success probability, improve the efficiency of urging to accept the trade.
Disclosure of Invention
The invention provides a credit card collection delay feedback method generation device, which mainly collects the consumption behavior, credit limit, abnormal transactions and other data of a card holder through a client analysis module and a computer operation platform, classifies a primary collection level and a secondary collection level according to client data, formulates corresponding collection delay and collection voice adjustment, carries out manual delay feedback, and carries out statistics, summarization and analysis on collection results to optimize a subsequent collection scheme.
The postponing feedback method generation device comprises a user information input module, an information analysis module, a user classification module, a dialect generation module, a push module and an artificial postponing feedback module.
The user information input module is used for acquiring payment information to be paid of a card holder and sending the payment information to be paid to the information analysis module, the payment information comprises account information and case information, and the account information comprises: account number, account opening date, account opening times, account age corresponding to each account, billing date corresponding to each account, and cash withdrawal credit line corresponding to each account, wherein the case information comprises: whether the fund is overdue, the number of overdue times within a predefined time period, the latest payment time for each overdue, the number of days of each overdue, the fund remaining for each time, the fund overdue for each time, the payment rate, the balance consumed for each time, the usage rate of each amount and the credit amount.
The information analysis module is used for receiving the information to be paid sent by the user information input module, analyzing the information to be paid according to a preset processing rule to obtain overdue risk category data, and sending the overdue risk category data to the user classification module.
Information analysis module is including exempting from to urge mark module, overdue amount of money statistics module, overdue time statistics module, exempt from urging mark module and judge according to preset rule treat whether repayment information accords with exempt from urging the condition, accord with to exempt from urging sending to user information after the repayment information mark of condition and type the module, later feedback to database, be not conform to sending to overdue amount of money statistics module, overdue time statistics module after the repayment information mark of treating of exempting from urging the condition, carry out overdue amount of money, time statistics formation overdue risk classification data to will overdue risk classification data send to user classification module.
The user classification module is used for receiving the overdue risk category data sent by the information analysis module, analyzing the overdue risk category data according to a preset processing rule to obtain the income promoting grade identification data, and sending the income promoting grade identification data to the call generation module.
The user classification module comprises a primary revenue-urging level identification module and a secondary revenue-urging level identification module.
The user classification module analyzes the overdue risk category data according to a preset processing rule and forms a standardized conclusion, and the specific analysis content comprises the following contents: 1. carrying out standardization processing on the acquired account information; 2. comparing the information after the standardization processing with a set threshold value; 3. counting data of a threshold which is not passed and data of a threshold which is passed and forming an account information data set; 4. sending the threshold-passed account information data set to a primary collection-urging level identification module; 5. and sending the account information data set which does not pass the threshold value to a secondary collection level identification module.
The primary collection level identification module classifies the threshold account information data set according to a preset processing rule to form collection level identification data, and sends the collection level identification data to the call generation module.
And the secondary collection level identification module classifies the account information data sets which have not passed through the threshold value according to a preset processing rule to form collection level identification data and sends the collection level identification data to the call generation module.
The voice art generating module is used for receiving the call-receiving level identification data sent by the user classification module, analyzing the call-receiving level identification data according to a preset processing rule to generate corresponding voice art information, and sending the voice art information to the pushing module, wherein the voice art information comprises the type selection of a call receiver, the specific voice art of the call receiver and the voice gas of the call receiver.
The dialect generation module analyzes the income-promoting grade identification data according to a preset processing rule and generates corresponding dialect information, and the specific analysis content comprises the following contents: the method comprises the steps of carrying out standardized analysis on the acquired case information of the user, analyzing overdue feature data of the user in a predefined time period, analyzing the shortest/long account age in an unclosed bill of the user, analyzing the change rule of overdue days corresponding to each overdue of the user, and analyzing the overdue rate and the preferential collection mode of the user.
Preferably, the dialect generation module generates corresponding dialect information according to the call-receiving level identification data sent by the user classification module, and the corresponding dialect information may be one or more pieces of information, so that a call-receiving person can select a proper dialect according to an actual context.
Preferably, the collector is a natural person collector or an artificial intelligence collector.
The pushing module is used for receiving the speech operation information sent by the speech operation generating module and pushing cases according to the actual information of the collector.
The acquirer information includes: the specific information of the collector, the collection times of the collector, the means of each collection of the collector, the basic data standardized analysis data of the collector, the standardized value of the residual principal fund of the collector and the collection condition analysis conclusion corresponding to the collector.
The manual delay feedback module is used for collecting the collection result in the preset time after collection is carried out, sending the collection result to the information analysis module, the user classification module and the dialect generation module, and optimizing the preset processing rules of the information analysis module, the user classification module and the dialect generation module through collection of the collection result so as to achieve more accurate data analysis.
The collection result comprises: the information of waiting to pay, the overdue risk category data, the identification data of the collection level, the information of the call art, the information of the collector, the collection time of the case and the collection amount of the case.
Preferably, the credit card customer information database, the collection urging scheduling department and the manual delay feedback department can be connected to the credit card collection urging case delay feedback method generation device through network interfaces so as to realize real-time data sending, receiving and data sharing.
More preferably, the collection urging team can be connected to the credit card collection urging case delay feedback method generation device through a network interface, collection urging case information can be acquired through the credit card collection urging case delay feedback method generation device, relevant information of the collection urging team can be transmitted to the credit card collection urging case delay feedback method generation device, real-time data acquisition/transmission can be achieved, and periodic data acquisition/transmission can also be achieved.
More preferably, the hasty dispatch department is connected to the credit card hasty case delay feedback method generation device through a network interface, hasty case distribution information can be acquired through the credit card hasty case delay feedback method generation device, hasty team attendance, residual fund amount, number of hasty teams, past performance, hasty situation of each hasty member in the hasty team corresponding to the distributed hasty case can be transmitted to the credit card hasty case delay feedback method generation device, real-time acquisition/transmission of data can be realized, and periodic acquisition/transmission of data can also be realized.
More preferably, the credit card customer information database is connected to the credit card collection case delay feedback method generation device through a network interface, and can transmit information to be paid to the credit card collection case delay feedback method generation device, wherein the content of the information to be paid includes an application form number, record content, a random number, a signature, a channel application form number, a product number, a record description, loan application information, sub-application information, a borrower information object, an extension parameter, a product number, a loan application code, a loan application description, an application amount, an application term, a commodity purchase amount, a customer name, an applicant type code, credit investigation data, a customer type, a highest academic record, an occupation, an account application code, an account code and the like; the marked information of payment to be paid which accords with the urging-free condition can be received; real-time acquisition/transmission of data can be realized, and periodic acquisition/transmission of data can also be realized.
More preferably, the manual delay feedback department is connected to the credit card collection case delay feedback method generation device through a network interface, can collect collection results in a preset time after collection, and sends the collection results to the information analysis module, the user classification module and the dialect generation module, and the collection of the collection results is used for optimizing the preset processing rules of the information analysis module, the user classification module and the dialect generation module so as to achieve more accurate data analysis; real-time acquisition/transmission of data can be realized, and periodic acquisition/transmission of data can also be realized.
The functions of the user information input module, the information analysis module, the user classification module, the dialect generation module, the push module and the artificial delay feedback module can be realized by hardware, and can also be realized by corresponding software executed by hardware, wherein the hardware or the software comprises one or more modules supporting related functions.
The credit card hastening talk postponing feedback method generation device comprises the following interaction processes:
Preferably, the user information entry module, the information analysis module, the user classification module, the speech generation module, the push module and the manual delay feedback module can be all connected through a network data interface, or can be partially connected through the network data interface, and different modules can share or isolate data.
The credit card collection technology delay feedback method generation device comprises a delay feedback method generation device terminal, and the delay feedback method generation device terminal comprises: a central processing unit, a memory, wherein a program module operable on the central processing unit is stored in the memory, the program module comprising: the system comprises a user information input module, an information analysis module, a user classification module, a dialect generation module, a push module and an artificial delay feedback module; the memory has stored therein one, several or all of the aforementioned means.
The credit card delayed feedback method generation device provided by the embodiment of the application collects consumption behavior, credit limit, abnormal transactions and other data of a card holder through the client analysis module and the computer operation platform, classifies a primary collection level and a secondary collection level according to client data, formulates corresponding collection skills and collection voice adjustment, and greatly increases the success rate of telephone collection; and manual delay feedback is carried out, and the collection result is counted, summarized and analyzed to optimize a subsequent collection scheme, so that the telephone collection of the user to be collected can be continuously optimized.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a delay feedback method generation apparatus.
Fig. 2 is an application schematic diagram of a delay feedback method generation device.
Fig. 3 is a schematic view of an interaction flow of a delay feedback method generation device.
Fig. 4 is a schematic diagram of a terminal of a delay feedback method generation device.
Reference numerals: 1. the system comprises a user information input module 2, an information analysis module 3, a user classification module 4, a dialect generation module 5, a push module 6, an artificial delay feedback module 7, a delay feedback method generation device 201, a non-urging marking module 202, an overdue amount counting module 203, an overdue time counting module 301, a primary urging and receiving grade identification module 302, a secondary urging and receiving grade identification module 701, a central processing unit 702 and a memory.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, the schematic diagram of the architecture of a deferred feedback method generation device is shown, where the deferred feedback method generation device includes a user information entry module 1, an information analysis module 2, a user classification module 3, a dialect generation module 4, a push module 5, and an artificial deferred feedback module 6.
The user information input module 1 is used for acquiring payment information to be paid of a cardholder and sending the payment information to be paid to the information analysis module 2, the payment information to be paid comprises account information and case information, and the account information comprises: account number, account opening date, account opening times, account age corresponding to each account, billing date corresponding to each account, and cash withdrawal credit line corresponding to each account, wherein the case information comprises: whether the fund is overdue, the number of overdue times within a predefined time period, the latest payment time for each overdue, the number of days of each overdue, the fund remaining for each time, the fund overdue for each time, the payment rate, the balance consumed for each time, the usage rate of each amount and the credit amount.
Example (c): information to be paid, account number: 62596509XXXX XXX8, date of opening an account: month X2015, account opening times: 2 times, getting out the quota: 36000 yuan, sex: male, age 3X year, residence: shenyang, liaoning, occupation: department director of listed companies, scholarly: scholar, overdue: yes, time out: 32 days, number of overdue within a predefined time period (1 year): 2 times, repayment rate: 100%, annual average quota usage: 73.42 percent.
The information analysis module 2 is used for receiving the information to be paid sent by the user information input module 1, analyzing the information to be paid according to a preset processing rule to obtain overdue risk category data, and sending the overdue risk category data to the user classification module 3.
Example (c): according to the information to be paid sent by the user information input module 1, the overdue amount and the overdue time of the user to be charged are read from the information to be paid, and whether the user information contains the charging-free identification is judged.
The overdue time of the user to be urged to be collected can be obtained by calculating the difference between the payment date on which the arrears are not normally paid in the information to be paid and the current time, if the payment date is No. 3 of each month, the user does not normally pay the arrears in the days 2 and 3 of 2020, the current time is 2 and 5 of 2020, the overdue time is 2 days from 2 and 5 of 2020 to 2 and 3 of 2020 and the overdue amount can be directly obtained through the information to be paid.
In this embodiment, the initial value of the rule preset by the hassle-free mark module 201 is preset and stored by a technician, and the threshold value can be set according to the account age corresponding to the account, the amount of the cash-drawing credit corresponding to the account, the number of overdue times within a predefined time period, the latest payment time of each overdue, the number of days of each overdue, the remaining fund of each time, the overdue fund of each time, the payment rate, the balance of each consumption, the usage rate of each amount and other parameters.
In this embodiment, the preset rule of the hasty-free mark module 201 can be adjusted according to the hasty-receiving condition of the hasty-receiving user, so that the final preset rule better conforms to the actual payment condition of the user to be hasty-received. And the customers meeting the urging-free condition are high-quality customers and marked.
In practical situations, the high-quality client pays more attention to the credit record, and is generally paid in time after knowing that overdue behavior is generated, so that the high-quality client is generally only simply informed of the overdue behavior generated when urging to collect.
The user classification module 3 is configured to receive the overdue risk category data sent by the information analysis module 2, analyze the overdue risk category data according to a preset processing rule to obtain revenue grade identification data, and send the revenue grade identification data to the call generation module 4.
The user classification module 3 comprises a primary hastening-receiving level identification module 301 and a secondary hastening-receiving level identification module 302.
The user classification module 3 analyzes the overdue risk category data according to a preset processing rule and forms a standardized conclusion, and the specific analysis content comprises the following contents: 1. carrying out standardization processing on the acquired account information; 2. comparing the information after the standardization processing with a set threshold value; 3. counting data of a threshold which is not passed and data of a threshold which is passed and forming an account information data set; 4. sending the threshold-passed account information data set to the primary receival level identification module 301; 5. the threshold-less account information data set is sent to the secondary level of revenue generation identification module 302.
The primary collection level identification module 301 classifies the threshold-passed account information data set according to a preset processing rule to form collection level identification data, and sends the collection level identification data to the dialect generation module 4.
The secondary hastening-receiving level identification module 302 classifies the account information data sets which have not passed through the threshold according to the preset processing rule to form hastening-receiving level identification data, and sends the hastening-receiving level identification data to the dialect generation module 4.
Example (c): in this example, the threshold set by the user classification module 3 is an overdue time interval, the overdue risk category data is firstly standardized, the overdue time is extracted, the overdue time is compared with the set threshold, the severity of the overdue is distinguished according to the length of the overdue time, and the first and second levels of urging for income are identified and classified, wherein the overdue time is more serious than the overdue time.
In the embodiment, when the length of the overdue time is divided, five preset time length thresholds are set, wherein the preset time length thresholds are 1-10 days, 11-20 days, 21-30 days, 30-60 days and more than 60 days, and the first and second income promotion grades are identified and divided by utilizing the preset time length thresholds.
In this example, the overdue time of 1-10 days, 11-20 days and 21-30 days are set as the first, second and third levels of secondary income level identification, and 30-60 days and more than 60 days are set as the first and second levels of primary income level identification.
The dialect generation module 4 is configured to receive the call-receiving level identification data sent by the user classification module 3, analyze the call-receiving level identification data according to a preset processing rule to generate corresponding dialect information, and send the dialect information to the push module 5, where the dialect information includes a call recipient type selection, a call recipient specific dialect, and a call recipient.
The dialect generation module 4 analyzes the revenue grade identification data according to a preset processing rule and generates corresponding dialect information, wherein the specific analysis content comprises: the method comprises the steps of carrying out standardized analysis on the acquired case information of the user, analyzing overdue feature data of the user in a predefined time period, analyzing the shortest/long account age in an unclosed bill of the user, analyzing the change rule of overdue days corresponding to each overdue of the user, and analyzing the overdue rate and the preferential collection mode of the user.
The dialect generation module 4 generates corresponding dialect information according to the call-receiving level identification data sent by the user classification module 3, wherein the number of the corresponding dialect information is one or more, and a call-receiving member can select a proper dialect according to the actual context.
The collector can be a natural person collector or an artificial intelligent collector.
Example (c): analyzing the receiving level identification data according to the receiving level identification data and a preset processing rule to generate corresponding dialect information, wherein the first level, the second level and the third level of the secondary receiving level identification and the first level and the second level of the primary receiving level identification are as follows:
the secondary level of revenue induction identifies the primary: the credit card account is overdue, to avoid affecting your credit, please pay as soon as possible, no reason is paid! Or please say your reason and question for unpaid payment; the tone is soft; the skill level of the acquirer is as follows: and (4) primary stage.
The secondary level of revenue induction identifies secondary: the credit card of your tail number [ X ] accounts the RMB [ X ] is not paid for in due date, has produced the expected penalty of X, please pay as soon as possible, has paid for Do not reason! Or please say your reason and question for unpaid payment; the tone is soft; the skill level of the acquirer is as follows: and (4) primary stage.
Secondary collection catalysis level identification is carried out in three levels: the credit card of the card number [ x ] is not paid, and the payment is not paid for more than 20 days, and the minimum payment amount is required to be returned as soon as possible. If the payment is not paid before the date of [ the x ] year [ the x ] month [ ] date, the relevant overdue information is generated because the payment is not enough in time (the payment is required to be paid at least in time at the lowest payment), the relevant overdue information is faithfully reported to the financial credit information base database according to the rules of credit collection and business management. Or please say your reason and question for unpaid payment; the vital energy is hard; the skill level of the acquirer is as follows: and (5) intermediate-grade.
The first grade of the receiving level identification: the credit card of the card number [ X ] is not paid for the RMB [ X ] and is called to return the lowest payment amount as soon as possible. If the customer fails to pay before the date of [ x ] year [ x ] month ], the customer will follow up your legal responsibility, and at that time, all attorneys, execution fees, and the customer will bear the fees themselves. The repayment notice is sent out, and please pay attention to check and receive. Or please say your reason and question for unpaid payment; the tense and serious of the voice; the skill level of the acquirer is as follows: and (5) intermediate-grade.
Identifying the secondary level of the primary receiving-forcing grade: the credit card of the card number [ X ] is not paid for the RMB [ X ] and is called to return the lowest payment amount as soon as possible. If the customer fails to pay before the date of the year, the law responsibility of the customer is followed, and at the moment, all the fees of the lawyer and the execution fee are paid by the customer and arranged to be paid by the customer himself. The warning letter is sent out, and please pay attention to check. Or please say your reason and question for unpaid payment; the tone of voice is stiff and severe; the skill level of the acquirer is as follows: high level.
The pushing module 5 is configured to receive the speech technology information sent by the speech technology generating module 4, and push cases according to actual information of the collector.
The acquirer information includes: the specific information of the collector, the collection times of the collector, the means of each collection of the collector, the basic data standardized analysis data of the collector, the standardized value of the residual principal fund of the collector and the collection condition analysis conclusion corresponding to the collector.
Example (c): urging member information, wangzhi, male (the language qi is hard and serious), 80 latter, people in white cities in Jilin province, maturity (M3 team, 2 years of employment), subject academic, skill level (senior, hard urging income), number of already urging income 1324 times, urging income success rate: 76.1 percent.
In this embodiment, the hastening time is set by the hastening operator, and in order to improve the hastening pertinence to the hastening users with different overdue severity degrees and improve the hastening effect, the hastening time set for the hastening users with different hastening grades is different. For the users to be hastened that are overdue more seriously, the hastened receiving frequency is higher because of the smaller time interval between the hastened receiving times, and for the users to be hastened that are not overdue seriously, the hastened receiving frequency is lower, and the specific hastened receiving frequency can be set by the hastener according to the actual situation.
The manual delay feedback module 6 is used for collecting the collection result in a preset time after collection is performed, sending the collection result to the information analysis module 1, the user classification module 2 and the dialect generation module 3, and optimizing the preset processing rules of the information analysis module 1, the user classification module 2 and the dialect generation module 3 through collection of the collection result so as to achieve more accurate data analysis.
The collection result comprises: the information of waiting to pay, the overdue risk category data, the identification data of the collection level, the information of the call art, the information of the collector, the collection time of the case and the collection amount of the case.
Example (c): the delay duration is set to 15 days after the call is received, voice data of a user to be charged in the calling and calling process is collected through the manual delay feedback module 6, keyword marking is carried out, whether the payment type of the user to be charged is malicious payment or non-malicious payment is identified, and relevant data such as payment information, overdue risk category data, payment grade identification data, dialect information, receivable information, payment time of the payment case, payment amount of the payment case and the like are collected and fed back to the information analysis module 1, the user classification module 2 and the call operation generation module 3 after being marked.
In this example, the manual postponing feedback personnel will sort and preset the keywords corresponding to the malicious arrears and the non-malicious arrears in advance, for example, the keywords such as "sick", "accident", and the like are set as the keywords corresponding to the non-malicious arrears, and the words with profanity and profanity are set as the keywords corresponding to the malicious arrears, so as to perform the first and second revenue induction grade identification and division.
In this embodiment, different level adjustment identification standards are set for different debt types, for example, for malicious debt, the collection urging level identification data is adjusted upwards to make the collection urging level of the user to be collected higher, so that the selection of the collection urging operation, the voice and the collector urging more conforms to the actual payment condition of the user to be collected, and simultaneously, along with the adjustment of the collection urging level of the user to be collected, the collection urging frequency of the user to be collected is also adjusted accordingly, so that the telephone collection urging mode of the user to be collected is more targeted.
The user information input module 1, the information analysis module 2, the user classification module 3, the dialect generation module 4, the push module 5 and the manual delay feedback module 6 can be connected completely through a network data interface or partially through the network data interface, and different modules can share or isolate data.
In one embodiment, the user information input module 1 and the information analysis module 2 form a first network, the user classification module 3 and the tactical generation module 4 form a second network, the push module 5 and the manual delay feedback module 6 form a third network, the first network, the second network and the third network are connected through network data interfaces, and internal data of the first network, the second network and the third network are isolated from each other.
In another embodiment, the user information entry module 1, the information analysis module 2 and the user classification module 3 form a first network, the dialect generation module 4, the push module 5 and the manual delay feedback module 6 form a second network, the first network and the second network are connected through network data interfaces, and internal data between the first network and the second network are isolated from each other.
In another embodiment, the user information entry module 1, the information analysis module 2, the user classification module 3, the dialect generation module 4, the push module 5 and the manual delay feedback module 6 are all connected through a network data interface, so as to realize data sharing.
The functions of the user information entry module 1, the information analysis module 2, the user classification module 3, the dialogies generation module 4, the push module 5 and the manual postponing feedback module 6 can be realized by hardware, or by hardware executing corresponding software, and the hardware or software includes one or more modules supporting related functions.
As shown in fig. 2, which is an application schematic diagram of the delay feedback method generation device, the credit card client information database, the collection-urging scheduling department, and the manual delay feedback department may be connected to the delay feedback method generation device of the credit card collection-urging case through a network interface to implement real-time data transmission, reception, and data sharing.
As shown in fig. 2, fig. 2 is only an application schematic diagram of the deferred feedback method generation apparatus, and in an actual application process, other related departments may also be connected to the deferred feedback method generation apparatus to perform real-time data sharing.
The collection urging team can be connected to the credit card collection urging case delay feedback method generation device through the network interface, the collection urging case delay feedback method generation device can acquire collection urging case information through the credit card collection urging case delay feedback method generation device, relevant information of the collection urging team can be transmitted to the credit card collection urging case delay feedback method generation device, real-time acquisition/transmission of data can be achieved, and periodic acquisition/transmission of the data can also be achieved.
The collection urging dispatching department is connected to the credit card collection urging case delay feedback method generation device through a network interface, collection urging case distribution information can be acquired through the credit card collection urging case delay feedback method generation device, collection urging team attendance, residual fund amount, collection urging team number, past performance and collection urging conditions of distributed collection urging cases corresponding to all collection urging members in the collection urging team can be transmitted to the credit card collection urging case delay feedback method generation device, real-time data acquisition/transmission can be achieved, and periodic data acquisition/transmission can also be achieved.
The credit card customer information database is connected to the credit card collection case delay feedback method generation device through a network interface, and can transmit information to be paid to the credit card collection case delay feedback method generation device, wherein the content of the information to be paid comprises an application order number, recorded content, a random number, a signature, a channel application order number, a product number, a recorded description, borrowing application information, sub-application information, a borrower information object, an extension parameter, a product number, a loan application code, a loan application description, an application amount, an application term, a commodity purchase amount, a customer name, an applicant type code, credit investigation data, a customer type, a highest academic record, an occupation, an account application code, an account code and the like; the marked information of payment to be paid which accords with the urging-free condition can be received; real-time acquisition/transmission of data can be realized, and periodic acquisition/transmission of data can also be realized.
The manual delay feedback department is connected to the credit card collection case delay feedback method generation device through a network interface, can collect collection results in a preset time after collection, and sends the collection results to the information analysis module, the user classification module and the dialect generation module, and the collection of the collection results is used for optimizing the preset processing rules of the information analysis module, the user classification module and the dialect generation module so as to achieve more accurate data analysis; real-time acquisition/transmission of data can be realized, and periodic acquisition/transmission of data can also be realized.
As shown in fig. 3, a schematic view of an interaction flow of a device for generating a deferred feedback method according to an embodiment of the present application is shown, where the interaction flow includes the following steps:
{ new users Options ═ new pulser Options (Pending discovery information), data: { user: CID, Customer information _ code ═ case Credit Line, data-use: 1/10/100MB } }; the "CID" Credit Card Customer information database (Credit Card Customer information database) "and" data "are specific contents of Customer information, where" user "is a user," Customer information code "is a Customer information code, and" data-use "is a data usage. The content, format and number of the information to be paid are not specifically limited herein.
{ new push Options (overlay real data), data: { user: IAM, case information _ code ═ Late amino Statistics, data-use: 1/10/100MB } }; the "IAM" represents an Information analysis module, "data" is specific content of the client Information, where "user" is a user, "case Information _ code" is a case Information code, and "data-use" is data usage. The content, format and number of information of the overdue risk category data are not specifically limited herein.
{ new push Options (Collection Level identification data) { user: UCM, case information _ code ═ Primary Call Level identification, data-use: 1/10/100MB } }; the "UCM" represents a user classification Module (user classification Module), "data" is the specific content of the client information, where "user" is the user, "information _ code" is the information code, and "data-usage" is the data usage. The content, format, and number of information of the charge level identification data are not specifically limited herein.
{ new Pusher operations (Technical information), data: { user: SGM, case information _ code:typeof Caller Selection, data-use: 1/10/100MB } }; wherein, the SGM represents a Speech Generation Module (Speech Generation Module), the data is specific content of the client information, the user is the user, the information _ code is the information code, and the data-usage is the data usage. The content, format, and number of messages of the verbal message are not specifically limited herein.
In the above steps, each module performs digital signature on the information before sending the information, and in the embodiment of the present application, each module may perform digital signature on the information before sending the information.
If the modules have objections to the received information, the confirmation information carrying the objection information can be fed back, wherein the objection information comprises the marks of objection parts in the information, the modules receiving the objection information can carry out corresponding correction and resending the corrected information until the objection information in the confirmation information is fed back, and then subsequent operation is carried out.
As shown in fig. 4, another embodiment of the delay feedback method generation apparatus for a case of collecting credit card with time is shown in this application, specifically, a schematic diagram of a terminal of the delay feedback method generation apparatus in this application, where the terminal of the delay feedback method generation apparatus 7 includes: a central processing unit 701, a memory 702, wherein the memory 702 stores program modules operable on the central processing unit 701, the program modules include: the system comprises a user information input module, an information analysis module, a user classification module, a dialect generation module, a push module and an artificial delay feedback module; the memory 702 has stored therein one, several or all of the aforementioned means.
The steps of the above-mentioned interaction flows, such as steps 1 to 6 shown in fig. 3, are implemented when the central processor 701 executes the memory 702. Or, the central processing unit 701 implements the functions of the modules when executing the memory 702, such as the functions of the user information entry module 1, the information analysis module 2, the user classification module 3, the dialect generation module 4, the push module 5, and the manual delay feedback module 6 shown in fig. 1.
The deferred feedback method generation means 7 may comprise a motherboard, a network interface, a display interface, an input device interface, and other conventional computer hardware means.
The delay feedback method generating device 7 may include one or more power supplies, and provide power support for the terminal of the delay feedback method generating device for the case of collecting credit cards.
The memory 702 may be a volatile memory or a persistent memory, one or more application programs or data are stored in the memory 702, and the program stored in the memory 702 may include one or more modules, each of which may include a series of instruction operations in the terminal of the apparatus for generating deferred feedback for a credit card collection case.
One or more operating systems, such as Windows, Mac OS, Unix, Linux, may be installed on the memory 702.
The cpu 701 may be configured to communicate with the memory 702, and execute a series of instruction operations in the memory 702 on the terminal of the apparatus for generating delayed feedback method of collection cases of credit cards.
In the embodiments provided in this application, it should be understood that the described systems, modules, devices, functions and methods may be implemented in other ways. For example, the above-described embodiments are merely illustrative, and for example, the division of the systems, modules, devices, functions and methods into one logical division may be implemented in practice in another way, for example, multiple systems, modules, devices, functions and methods may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the described connections or communications may be indirect couplings or communication connections through some interfaces, wired networks, wireless networks, local area networks, and may be electrical, mechanical, or other forms.
The systems, modules and devices may or may not be physically separate, and components displayed as the systems, modules and devices may or may not be physical units, may be located at the same place, or may be distributed on a plurality of network units. Some or all of the systems, modules and devices can be selected according to actual needs to achieve the purpose of the scheme of the embodiment.
In addition, the systems, modules, devices, functions and methods in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The systems, modules, devices, functions, if implemented in software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a read-only Memory, a Random Access Memory (RAM), and the like.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (6)
1. A credit card collection tactics delay feedback method generating device is characterized in that the delay feedback method generating device comprises a user information input module, an information analysis module, a user classification module, a tactics generating module, a pushing module and an artificial delay feedback module;
the user information input module is used for acquiring information to be paid of a cardholder and sending the information to be paid to the information analysis module, and the information to be paid comprises account information and case information;
the information analysis module is used for receiving the information to be paid sent by the user information input module, analyzing the information to be paid according to a preset processing rule to obtain overdue risk category data and sending the overdue risk category data to the user classification module;
the user classification module is used for receiving the overdue risk category data sent by the information analysis module, analyzing the overdue risk category data according to a preset processing rule to obtain income promotion level identification data, and sending the income promotion level identification data to the call generation module;
the voice art generating module is used for receiving the call-receiving level identification data sent by the user classifying module, analyzing the call-receiving level identification data according to a preset processing rule to generate corresponding voice art information, and sending the voice art information to the pushing module, wherein the voice art information comprises the type selection of a call receiver, the specific voice art of the call receiver and the voice gas of the call receiver;
the pushing module is used for receiving the speech operation information sent by the speech operation generating module and pushing cases according to the actual information of the collector;
the manual delay feedback module is used for collecting the collection result in a preset time after collection is carried out, sending the collection result to the information analysis module, the user classification module and the voice operation generation module, and optimizing the preset processing rules of the information analysis module, the user classification module and the voice operation generation module through collection of the collection result.
2. The device for generating the deferred feedback method of the call collection procedure of the credit card according to claim 1, wherein the information analysis module comprises a non-urging mark module, a non-urging amount statistic module and a non-urging time statistic module, the non-urging mark module judges whether the information to be paid accords with the non-urging condition according to a preset rule, the information to be paid which accords with the non-urging condition is marked and then sent to the user information input module, and then fed back to the database, the information to be paid which does not accord with the non-urging condition is marked and then sent to the non-urging amount statistic module and the non-urging time statistic module, the non-urging information is counted and formed into non-urging amount risk category data, and the non-urging risk category data is sent to the user classification module.
3. The apparatus as claimed in claim 1, wherein the user classification module comprises a primary receival level identification module and a secondary receival level identification module, and the user classification module analyzes the overdue risk category data according to a preset processing rule and sends the analyzed account information data set to the primary receival level identification module and the secondary receival level identification module.
4. The apparatus for generating delayed feedback of claim 1, wherein the functions of the user information entry module, the information analysis module, the user classification module, the speech generation module, the push module and the manual delayed feedback module can be implemented by hardware, or by hardware executing corresponding software, and the hardware or software comprises one or more modules supporting related functions.
5. The apparatus as claimed in claim 1, wherein the user information input module, the information analysis module, the user classification module, the speech generation module, the push module, and the manual delay feedback module are all connected via a network data interface, or are partially connected via a network data interface, so that different modules can share or isolate data.
6. The apparatus as claimed in claim 1, wherein the apparatus comprises a terminal, the terminal comprises a central processing unit and a memory, the memory stores program modules operable on the central processing unit, and the program modules comprise: the system comprises a user information input module, an information analysis module, a user classification module, a dialect generation module, a push module and an artificial delay feedback module; the memory has stored therein one, several or all of the aforementioned means.
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| CN113516546A (en) * | 2021-04-23 | 2021-10-19 | 武汉赢联数据技术股份有限公司 | Intelligent collection urging management system based on business monitoring technology |
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