CN112700323A - Method and device for expediting payment by credit card - Google Patents
Method and device for expediting payment by credit card Download PDFInfo
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- CN112700323A CN112700323A CN202110001598.6A CN202110001598A CN112700323A CN 112700323 A CN112700323 A CN 112700323A CN 202110001598 A CN202110001598 A CN 202110001598A CN 112700323 A CN112700323 A CN 112700323A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- H—ELECTRICITY
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- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
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Abstract
The invention discloses a method and a device for expecting payment by a credit card, relating to the technical field of expecting payment by the credit card; in order to facilitate targeted hastening; the device comprises a task sending module, a customer information storage module, a salesman information storage module, a matching module, a short message sending module and a central processing module, wherein the customer information storage module stores customer credit card information, customer codes and customer personal data information containing customer names and mobile phone numbers, and the customer codes comprise customer basic codes and credit codes; the method comprises the following steps: the payment of the customer credit card is overdue; the central processing module makes modifications to the credit code in real time based on the customer's credit card usage. By setting the level code and the credit code, the invention can match the proper salesman according to the actual consumption and credit condition of each client, and simultaneously can lead the new salesman to get proper exercise, thus being beneficial to finishing the collection urging task.
Description
Technical Field
The invention relates to the technical field of credit card payment prompting, in particular to a method and a device for credit card payment prompting.
Background
Credit cards are credit certificates issued by commercial banks or credit card companies to consumers who are credit-eligible; the consumer with credit card can go to special business service department for shopping or consumption, and then the bank carries out settlement with the merchant and the cardholder, and the cardholder can overdraft in the specified limit; therefore, the overdue payment of the credit card exists, and the corresponding salesman is required to urge to collect the credit card; the current collection task is distributed randomly, so that the collection effect is not ideal, the pertinence is poor, meanwhile, a newly-handed salesman cannot be well exercised, the collection is difficult, and the collection task is difficult to complete.
Through retrieval, the patent with the Chinese patent application number of CN202010181078.3 discloses a block chain link point system for pushing overdue data of a credit card, and relates to the field of block chains. The invention comprises a user information input node, an acquisition node for data which is urged to receive and not repayment, an information analysis node, a data distribution node and a push node, wherein the nodes are connected through respective block link interfaces to form a block chain network. The block link point system for credit card overdue data push in the above patent has the following disadvantages: the collection hastening pertinence is poor, meanwhile, newly-handed operators cannot well get exercises, the hands are difficult to get, and the collection hastening task is difficult to complete.
Disclosure of Invention
The invention aims to solve the defects in the prior art and provides a method and a device for expecting payment by a credit card.
In order to achieve the purpose, the invention adopts the following technical scheme:
a device for expediting payment by credit card comprises a task sending module, a customer information storage module, a salesman information storage module, a matching module, a short message sending module and a central processing module, wherein the customer information storage module stores customer credit card information, customer codes and customer personal data information including customer names and mobile phone numbers, the customer codes include customer basic codes and credit codes, the salesman information storage module stores salesman personal data information and salesman codes, the salesman codes include salesman basic codes and grade codes, the central processing module modifies the credit codes in real time based on the using condition of the customer credit card and modifies the grade codes in real time based on the service completing condition of the salesman, and the matching module performs matching based on the grade codes and the credit codes and sends the customer credit card information and the customer personal data information to be successfully matched and then transmits the customer credit card information and the customer personal data information to be matched with the grade codes in real time through the task sending Of the service staff.
Preferably: the credit code is a 9-digit combined code, wherein each 3 digits from the lower order to the upper order is an amount interval, the sum is divided into 3 amount intervals, the numerical values of the three intervals sequentially represent overdue times of the intervals, and the amount ranges of the amount intervals from the lower order to the upper order are sequentially below 5000 yuan, 5000-10000 yuan and above 10000 yuan.
Further: the level code is a 9-bit digital combined code, wherein each 3 bits from the low bit to the high bit is a money processing interval which is divided into 3 money processing intervals in total, the money processing intervals are matched with the money intervals of the credit codes, and the numerical values of the money processing intervals sequentially represent the overdue processing times of finishing the corresponding money intervals.
Further preferred is: the short message sending module sends the consumption information short message of the month corresponding to the repayment date to the mobile phone number corresponding to the personal data information of the customer in the customer information storage module at 24 points of the day before the repayment date of the credit card and the last day of the month; the consumption information comprises total consumption amount and main consumption details, wherein the main consumption details are consumption details of which the consumption amount exceeds 10% of the total consumption amount in a single-stroke consumption.
As a preferable aspect of the present invention: the operator code also comprises a success rate code of 9 digits, wherein each 3 digits from low order to high order is a success rate code interval which is divided into 3 success rate code intervals in total, the success rate code intervals are matched with the money processing intervals of the level codes, and the numerical values of the success rate code intervals sequentially represent the collection prompting success rates for completing overdue processing of the corresponding money intervals; and the task sending module is used for judging that the task is successful if the payment is successfully promoted by the overdue amount of the credit card of the client corresponding to the task within 23 hours after the task is sent, otherwise, the task is failed, and the matching module is used for re-matching the client code of the task.
Further preferred as the invention: when the matching module matches the level codes with the credit codes, the matching priority is gradually reduced from high to low, when the level codes of the matching result have a plurality of options to be selected, secondary judgment is carried out based on the success rate codes, the high value of the corresponding success rate code interval is selected as a matching object, and if the success rate codes of the plurality of options to be selected are consistent, the matching module randomly distributes among consistent salesman codes.
As a still further scheme of the invention: the client information storage module also retains a call record of call collection, and when the task sending module sends a task, the client information storage module synchronously calls the content of the call record of call collection and sends the content to a matched operator.
On the basis of the scheme: the system comprises a central processing module, a matching module and a client, wherein the client basic code comprises a client gender code, the central processing module analyzes the success rate of each client after being collected and the corresponding client gender code, the success rate of each client is obviously associated with the client gender code, namely the success rate of one type of gender code is 30% higher than that of the other type of gender code, and when the matching module is matched, the client gender code is distinguished based on the client gender code and then matched.
A method for expediting payment by credit card includes the following steps:
s1: the payment of the customer credit card is overdue;
s2: the central processing module makes real-time modification to the credit code based on the use condition of the credit card of the client;
s3: the matching module matches the credit code based on the level code;
s4: the task sending module sends the credit card information of the client and the personal data information of the client to the salesman successfully matched with the credit card information of the client and the personal data information of the client;
s5: the business personnel receives the task and urges to receive;
s6: after the task sending module sends the task for 23h, the central processing module modifies the client code and the salesman code according to the charging and paying conditions, the step S7 is carried out when the payment fails, and the step S8 is carried out when the payment succeeds;
s7: the matching module carries out re-matching on the client codes of the tasks;
s8: and finishing the collection.
The invention has the beneficial effects that:
1. by setting the level code and the credit code, the invention can match the proper salesman according to the actual consumption and credit condition of each client, and simultaneously can lead the new salesman to get proper exercise, thus being beneficial to finishing the collection urging task.
2. The matching module is arranged to match the credit codes based on the level codes, and the task sending module is used for sending the credit card information of the client and the personal data information of the client to the salesman who is successfully matched with the credit card information of the client, so that the more suitable salesman can be matched with each client in a targeted manner.
3. By setting the consumption information containing the total consumption amount and the main consumption details to be sent regularly, the customer experience can be better guaranteed, and the fund turnover can be carried out in sufficient time; and the main consumption detail is the consumption detail with the consumption of a single stroke exceeding 10 percent of the total consumption amount, so that the simplicity and the quality of the information are ensured.
Drawings
FIG. 1 is a flow chart of a method for expediting payment by credit card according to the present invention.
Detailed Description
The technical solution of the present patent will be described in further detail with reference to the following embodiments.
Reference will now be made in detail to embodiments of the present patent, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present patent and are not to be construed as limiting the present patent.
In the description of this patent, it is to be understood that the terms "center," "upper," "lower," "front," "rear," "left," "right," "vertical," "horizontal," "top," "bottom," "inner," "outer," and the like are used in the orientations and positional relationships indicated in the drawings for the convenience of describing the patent and for the simplicity of description, and are not intended to indicate or imply that the referenced devices or elements must have a particular orientation, be constructed and operated in a particular orientation, and are not to be considered limiting of the patent.
In the description of this patent, it is noted that unless otherwise specifically stated or limited, the terms "mounted," "connected," and "disposed" are to be construed broadly and can include, for example, fixedly connected, disposed, detachably connected, disposed, or integrally connected and disposed. The specific meaning of the above terms in this patent may be understood by those of ordinary skill in the art as appropriate.
Example 1:
a device for expediting payment by credit card comprises a task sending module, a client information storage module, a salesman information storage module, a matching module, a short message sending module and a central processing module, wherein the client information storage module stores client credit card information, client codes and client personal data information containing client names and mobile phone numbers, the client codes comprise client basic codes and credit codes, the salesman information storage module stores salesman personal data information and salesman codes, the salesman codes comprise salesman basic codes and grade codes, the central processing module modifies the credit codes in real time based on the using condition of the client credit card and modifies the grade codes in real time based on the service completing condition of the salesman, and the matching module matches the grade codes with the credit codes based on the grade codes, and the information of the credit card of the client and the personal data information of the client are sent to the salesman successfully matched with the information of the credit card of the client through the task sending module.
The credit code is a 9-digit combined code, wherein each 3 digits from the lower order to the upper order is an amount section, the total amount section is divided into 3 amount sections, the numerical value of the credit code sequentially represents the overdue times of each section, the amount range of the amount section from the lower order to the upper order is below 5000 yuan, 5000-10000 yuan and above 10000 yuan (for example, the credit code is 002006013, which represents that the total accumulated overdue amount of a single month is more than 10000 yuan, the total accumulated overdue amount of more than 5000-10000 yuan is 6 times, and the total accumulated overdue amount of more than 5000 yuan is 13 times).
The level code is a 9-bit digital combined code, wherein each 3 bits from the low bit to the high bit is a money processing interval, the money processing intervals are totally divided into 3 money processing intervals, the money processing intervals are matched with the money intervals of the credit codes, and the numerical values of the money processing intervals sequentially represent the overdue processing times of the corresponding money intervals (for example, the level code is 005012037, which represents 5 times of accumulated collection success of overdue money per month of more than 10000 yuan, 12 times of collection success of more than 5000-10000 yuan and 37 times of collection success of more than 5000 yuan).
The short message sending module sends the consumption information short message of the month corresponding to the repayment date to the mobile phone number corresponding to the personal data information of the customer in the customer information storage module at 24 points of the day before the repayment date of the credit card and the last day of the month; the consumption information comprises total consumption amount and main consumption details, and the main consumption details are consumption details with single consumption exceeding the total consumption amount by 10% (for example, the total consumption amount of 10000 yuan in 1 month of the customer, the repayment date of the customer is 10 th of the next month, the customer receives the consumption information short message sent by the short message sending module at 24 pm and 9 nd in 1 month of 31 days, and the content of the short message comprises the total consumption amount in 1 month and the consumption amount and the consumption time with single consumption more than 1000 yuan in 1 month).
The operator code also comprises a success rate code of 9 digits, wherein each 3 digits from low order to high order is a success rate code interval which is divided into 3 success rate code intervals in total, the success rate code intervals are matched with the money processing intervals of the level codes, and the numerical values of the success rate code intervals sequentially represent the collection prompting success rates for completing overdue processing of the corresponding money intervals; and the task sending module is used for judging that the task is successful if the payment is successfully promoted by the overdue amount of the credit card of the client corresponding to the task within 23 hours after the task is sent, otherwise, the task is failed, and the matching module is used for re-matching the client code of the task.
When the matching module matches the level codes with the credit codes, the matching priority is gradually reduced from high to low, when the level codes of the matching result have a plurality of options to be selected, secondary judgment is carried out based on the success rate codes, the high value of the corresponding success rate code interval is selected as a matching object, and if the success rate codes of the plurality of options to be selected are consistent, the matching module randomly distributes among consistent salesman codes.
The client information storage module also retains a call record of call collection, and when the task sending module sends a task, the client information storage module synchronously calls the content of the call record of call collection and sends the content to a matched operator.
The system comprises a central processing module, a matching module and a client, wherein the client basic code comprises a client gender code, the central processing module analyzes the success rate of each client after being collected and the corresponding client gender code, the success rate of each client is obviously associated with the client gender code, namely the success rate of one type of gender code is 30% higher than that of the other type of gender code, and when the matching module is matched, the client gender code is distinguished based on the client gender code and then matched.
Example 2:
a method for expediting payment by credit card, as shown in fig. 1, comprising the following steps:
s1: the payment of the customer credit card is overdue;
s2: the central processing module makes real-time modification to the credit code based on the use condition of the credit card of the client;
s3: the matching module matches the credit code based on the level code;
s4: the task sending module sends the credit card information of the client and the personal data information of the client to the salesman successfully matched with the credit card information of the client and the personal data information of the client;
s5: the business personnel receives the task and urges to receive;
s6: after the task sending module sends the task for 23h, the central processing module modifies the client code and the salesman code according to the charging and paying conditions, the step S7 is carried out when the payment fails, and the step S8 is carried out when the payment succeeds;
s7: the matching module carries out re-matching on the client codes of the tasks;
s8: and finishing the collection.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (9)
1. A device for expediting payment by a credit card is characterized by comprising a task sending module, a client information storage module, a salesman information storage module, a matching module, a short message sending module and a central processing module, wherein the client information storage module stores client credit card information, client codes and client personal data information containing client names and mobile phone numbers, the client codes comprise client basic codes and credit codes, the salesman information storage module stores salesman personal data information and salesman codes, the salesman codes comprise salesman basic codes and grade codes, the central processing module modifies the credit codes in real time based on the using condition of the client credit card and modifies the grade codes in real time based on the service completing condition of the salesman, and the matching module matches the grade codes with the credit codes based on the grade codes, and the information of the credit card of the client and the personal data information of the client are sent to the salesman successfully matched with the information of the credit card of the client through the task sending module.
2. The apparatus as claimed in claim 1, wherein the credit code is a 9-digit combination code, wherein each 3 digits from the lower level to the upper level is a money amount section, the money amount section is divided into 3 money amount sections, the number values of the money amount sections sequentially represent the overdue times of the sections, and the money amount ranges from the lower level to the upper level are 5000 yuan or less, 5000-10000 yuan or more.
3. The apparatus as claimed in claim 2, wherein the level code is a 9-digit combination code, wherein each 3 digits from lower to upper are a sum processing section, which is divided into 3 sum processing sections, the sum processing sections are matched with the sum section of the credit code, and the values thereof sequentially represent the number of overdue processes for completing the corresponding sum section.
4. The device of claim 3, wherein the short message sending module sends the consumption information short message of the month corresponding to the repayment day to the phone number of the personal data information of the customer in the customer information storage module at 24 o' clock of the day before the repayment day of the credit card and the last day of the month; the consumption information comprises total consumption amount and main consumption details, wherein the main consumption details are consumption details of which the consumption amount exceeds 10% of the total consumption amount in a single-stroke consumption.
5. The apparatus of claim 4, wherein the clerk code further comprises a success rate code of 9 digits, wherein each 3 digits from low order to high order is a success rate code interval, which is divided into 3 success rate code intervals in total, the success rate code interval is matched with the amount processing interval of the level code, and the numerical value thereof sequentially represents the collection success rate for completing overdue processing of the corresponding amount interval; and the task sending module is used for judging that the task is successful if the payment is successfully promoted by the overdue amount of the credit card of the client corresponding to the task within 23 hours after the task is sent, otherwise, the task is failed, and the matching module is used for re-matching the client code of the task.
6. The device as claimed in claim 5, wherein the matching module gradually decreases the matching priority from high to low when the level code matches the credit code, and when the level code of the matching result has a plurality of candidate items, the matching module performs a secondary determination based on the success rate code, selects a matching object with a high value corresponding to the success rate code interval, and randomly allocates the matching object among the consistent salesman codes if the success rate codes of the candidate items are consistent.
7. The device as claimed in claim 6, wherein the client information storage module further retains a call record for collection, and the task sending module synchronously retrieves the call record for collection and sends the call record to the matched clerk when sending the task.
8. The apparatus as claimed in claim 7, wherein the basic codes of the clerk include sex codes of the clerk, the central processing module analyzes the success rate of each customer after being charged and the sex codes of the corresponding clerk, the success rate and the sex codes of the clerk have obvious correlation, that is, the success rate corresponding to one type of sex code exceeds the success rate corresponding to the other type of sex code by 30%, and the matching module performs matching after distinguishing based on the sex codes of the clerk.
9. A method for expediting payment by a credit card is characterized by comprising the following steps:
s1: the payment of the customer credit card is overdue;
s2: the central processing module makes real-time modification to the credit code based on the use condition of the credit card of the client;
s3: the matching module matches the credit code based on the level code;
s4: the task sending module sends the credit card information of the client and the personal data information of the client to the salesman successfully matched with the credit card information of the client and the personal data information of the client;
s5: the business personnel receives the task and urges to receive;
s6: after the task sending module sends the task for 23h, the central processing module modifies the client code and the salesman code according to the charging and paying conditions, the step S7 is carried out when the payment fails, and the step S8 is carried out when the payment succeeds;
s7: the matching module carries out re-matching on the client codes of the tasks;
s8: and finishing the collection.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110001598.6A CN112700323A (en) | 2021-01-04 | 2021-01-04 | Method and device for expediting payment by credit card |
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| CN202110001598.6A CN112700323A (en) | 2021-01-04 | 2021-01-04 | Method and device for expediting payment by credit card |
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| CN112700323A true CN112700323A (en) | 2021-04-23 |
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111383093A (en) * | 2020-03-06 | 2020-07-07 | 北京网众共创科技有限公司 | Intelligent overdue bill collection method and system |
| CN111461505A (en) * | 2020-03-18 | 2020-07-28 | 黑龙江正泽信服务外包有限公司 | Artificial labeling system for intelligent matching of collection urging information |
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- 2021-01-04 CN CN202110001598.6A patent/CN112700323A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111383093A (en) * | 2020-03-06 | 2020-07-07 | 北京网众共创科技有限公司 | Intelligent overdue bill collection method and system |
| CN111461505A (en) * | 2020-03-18 | 2020-07-28 | 黑龙江正泽信服务外包有限公司 | Artificial labeling system for intelligent matching of collection urging information |
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Application publication date: 20210423 |