CN110097447A - Loan collection method and system - Google Patents
Loan collection method and system Download PDFInfo
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- CN110097447A CN110097447A CN201910179114.XA CN201910179114A CN110097447A CN 110097447 A CN110097447 A CN 110097447A CN 201910179114 A CN201910179114 A CN 201910179114A CN 110097447 A CN110097447 A CN 110097447A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention provides a kind of loan collection method, and the loan collection method is used to carry out collection at least one overdue loan not also of loan personnel, and the loan collection method is the following steps are included: provide a loan data statistical system and a robot voice system；The loan data statistical system is imported into the robot voice system；Loan data statistical system described in the robot voice system identification；And the robot voice system borrowed according to the data in the loan data statistical system after collection.
Description
Technical field
The invention mainly relates to a kind of loan collection method and system, specifically, the invention mainly relates to a kind of utilizations
Robot carries out the method and system of intelligent collection to loan.
Background technique
Loan refers to that creditor (or lender) amortizes a kind of financial row that use of funds weighs to debtor (or borrower)
For with the increase of social demand, loan transaction has been spread to gradually in the life of broad masses of the people, all kinds of finance companies
Also it gradually appears in the sight of people, to solve the problems, such as that the use of funds of people provides a great convenience.
And personal consumption loan refers to the RMB loan business for having specified consumer applications that bank provides to individual client,
Purposes mainly has the consumer personal loans such as personal house, automobile, general loans for supporting students.In China, personal consumption is accelerated development
Credit, which has been sent to, pulls domestic demand, the great expectations for the rise that stimulates the economy, and is also the increase benefit that China's commercial banks put forth effort exploitation
Moisten one of growth point.
And since domestic and international economic situation is still intricate, active factor and secret worry are simultaneously deposited.Domestic economy structure tune
It is whole it is steady in have into, but the basis of economic recovery is still insecure, and periodical risk, structural hazard, systematic risk are deep-rooted,
Various risks in unprecedented diversification, complicate feature, bank portfolio quality pressure of fissioning increases, overdue loan and bad
Loan rate rises year by year.Under these circumstances, strict control business risk, will be overdue after loss to be preferably minimized will be one long
Phase task, banking financial institutions need a set of effective overdue collection system.
During either bank or finance company offer a loan to borrower, for guarantee fund timely reflux,
It generally requires to be monitored the date of refunding, and realizes the timely collection of overdue loan；But current refund date monitoring is main
Manually statistics is realized, for overdue credit information, it is also desirable to which finance company staff carries out collection one by one, consumption
Time cost and human cost it is larger, the finance company of especially some large sizes, user's loan data is huge, artificial monitoring and
Manually urge money extremely inconvenient.
It is in addition to this, artificial that there are also in place of some other limitation: such as urge money personnel that can not keep job enthusiasm for a long time,
It encounters when other side behaves badly and is also easy to produce mood swing, be easy to influence collection effect；In addition, collection personnel one time one time is made a phone call
Also cause time availability lower, and working efficiency can decline with the number made a phone call, and further result in collection effect
Decline；Collection personnel are difficult to accomplish the real time data statistics to collection situation during making a phone call, it is thus possible to will appear
Different collection personnel to same borrower repeat collection and cause working effect to be difficult to the problem of defining.Most of all,
Lending exempted dealers employ collection personnel to carry out receivable on demand, are bound to provide a high expenditure thus, including dominant
Expenditure (salary, welfare and five one gold medals of danger of operator etc.) and stealthy expenditure (look for office space to provide yard for operator
Institute).
Because in order to solve the above technical problems, it is necessary to provide a kind of new loan collection methods by those skilled in the art
And system, to carry out efficient income to overdue loan.
Summary of the invention
It is an object of the present invention to provide a kind of loan collection methods, for an overdue loan not also of loan personnel
Money carries out collection, and the loan collection method carries out intelligent collection by robot, to improve collection efficiency.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method passes through machine
People carries out loan collection, not only saves trouble efficiently, but also can record during collection to the case where loan personnel, so as to
In manually carrying out collection again, to further increase the collection efficiency of loan collection method of the present invention.
It is an object of the present invention to provide a kind of loan collection method, wherein the loan collection method can be to urging
It receives data to be recorded in real time, so as to avoid the loss of data and bring inconvenience and loss during collection.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method being capable of basis
Different loan personnel for its be adapted to it is different urge money to talk about art, such as it is different according to the industry of loan personnel or job specification is different
And be adapted to different moneys of urging and talk about art etc., to improve loan collection efficiency.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method being capable of basis
Different loan personnel are arranged the different air times, such as according to loan personnel from different places and when obstructed dialing is arranged
Between etc., to further increase loan collection efficiency.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method can be to loan
Money personnel carry out multiple phone collection, and can emergency contact to loan personnel and alternative contact people carry out phone and urge
It receives, to improve the refund probability of loan personnel by other people strength.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method being capable of basis
Data in dialing and communication process judge the complexity to each loan personnel collection, to enable root when artificial collection
It is allocated according to different complexities, to improve the successful probability of collection.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method can be in electricity
The permissible call period of different loan personnel is recorded during words collection, so that basis during subsequent artefacts or intelligent collection
The different permissible call periods carries out collection, to reduce the idle work during further collection.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method can be by people
The result of work collection is also recorded and is saved in real time, manually carries out continuing work so that the loan collection method be enable to combine
Make.
It is an object of the present invention to provide a kind of loan collection methods, wherein the loan collection method can be set
It is set to and cycle operation is carried out according to continually changing loan data, the loan collection time can not only be saved in this way, and can
It reduces loan collection cost and improves loan collection efficiency.
In addition to this, the present invention further provides a kind of loan collection systems, wherein the loan collection system includes one
Robot voice system and a loan data statistical system, the robot system can be according to the loan data statistical systems
In data carry out intelligent collection.
It is an object of the present invention to provide a kind of loan collection systems, wherein the loan collection system includes at least
One voice collection module, the robot voice system do not go back the overdue of each loan personnel by the voice collection module
Loan carries out collection.
It is an object of the present invention to provide a kind of loan collection systems, wherein the loan collection system includes at least
One voice call module, the robot voice system is by the voice call module to loan personnel and its emergency contact
Dialing is carried out with alternative contact people to realize preliminary collection.
It is an object of the present invention to provide a kind of loan collection systems, wherein the loan collection system includes at least
One data statistics module, the robot voice system realize that the collection to each loan personnel is difficult by the data statistics module
Easy degree is counted.
It is an object of the present invention to provide a kind of loan collection systems, wherein the loan collection system includes at least
One data storage module, so that the loan data statistical system be enable to save newest data in time in order to the loan
Collection method can recycle progress.
It is an object of the present invention to provide a kind of loan collection systems, wherein the loan collection system includes at least
One time recording module, so that the robot voice system be enable to be obtained in communication process to the effective of each loan personnel
Telephone time section.
In order to achieve the above object, present invention generally provides a kind of loan collection method, for overdue at least one loan personnel
Not also loan carry out collection, the loan collection method the following steps are included:
1001: a loan data statistical system and a robot voice system are provided；
1002: the loan data statistical system is imported into the robot voice system；
1003: loan data statistical system described in the robot voice system identification；And
1004: collection after the robot voice system is borrowed according to the data in the loan data statistical system.
In wherein some embodiments, wherein the loan collection method is completed by a loan collection system, it is described
Robot voice system and the loan data statistical system and communications setting are in the loan collection system to realize to described
The overdue loan not also of loan personnel carries out collection.
In wherein some embodiments, wherein the loan collection system includes an at least system introducing module, the system
Import modul of uniting is by communications setting in the loan collection system, in the step 1002, the loan data statistical system
The robot voice system is imported by the system introducing module.
In wherein some embodiments, wherein the loan collection system further comprise an at least data identification module and
One voice collection module, wherein the data identification module and the voice collection module are respectively by communications setting in the machine
Human speech system for electrical teaching and it is communicatively connected to each other and with the system introducing module communicate to connect, in the step 1003, the machine
Device human speech system for electrical teaching identifies the loan data statistical system by the data identification module and leads in the step 1004
Cross collection after the voice collection module is borrowed according to the data in the loan data statistical system.
In wherein some embodiments, wherein the step 1002 further comprises step:
10021: detecting the safety of the loan data statistical system；
10022: whether the format for confirming the loan data statistical system and the format of the robot voice system are simultaneous
Hold；And
10023: the loan data statistical system is imported into the robot voice system.
In wherein some embodiments, wherein the loan collection system further comprises an at least detection module, it is described
Detection module is detected by communications setting in the system introducing module with the safety to the loan data statistical system,
In the step 10021, the loan collection system detects the loan data statistical system by the detection module
Safety.
In wherein some embodiments, wherein the step 1003 further comprises step:
10031: verifying whether the robot voice system can identify the loan data；And
10032: if the robot voice system can not identify the loan data statistical system, returning to the step
1002。
In wherein some embodiments, wherein the loan collection system further comprises an at least Data Verification module,
The Data Verification module is communicated to connect by communications setting in the data identification module and with the system introducing module, in institute
It states in step 10031, the loan collection system is verified in the loan data statistical system by the Data Verification module
Data can be by the robot voice system identification.
In wherein some embodiments, wherein the step 1004 further comprises step:
10041: phone collection is carried out by the robot voice system；
10042: the robot voice system counts the collection difficulty or ease to the loan personnel according to phone collection situation
Degree；
10043: the robot voice system will feed back to the loan to the collection complexity of the loan personnel
Data statistics system；And
10044: the collection complexity arrangement to the loan personnel recorded according to the loan data statistical system
Artificial collection.
In wherein some embodiments, wherein the loan collection system includes an at least voice call module, a data
Statistical module and a data feedback module, the voice call module, the data statistics module and the data feedback module
The machine in the step 10041, is passed through in the voice collection module and communicatively connected to each other by communications setting respectively
The voice call module in human speech system for electrical teaching carries out phone collection, in the step 10042, the robot voice system
System is by the data statistics module according to phone collection situation statistics to the collection complexity of the loan personnel and in institute
It states in step 10043, collection complexity is fed back to by the loan data statistical system by the data feedback module.
In wherein some embodiments, wherein the step 1004 further comprises step:
10045: artificial collection result is fed back into the loan data statistical system.
In wherein some embodiments, wherein the loan collection system further comprises an at least data reception module,
The data reception module is by communications setting in the loan data statistical system so that the loan data statistical system can
Data are received, in the step 10045, the loan data statistical system is manually urged by data reception module reception
Receive result data.
In wherein some embodiments, wherein the step 10041 further comprises step:
100411: the robot voice system is according to the data in the loan data statistical system to the creditor
Member makes a phone call；
100412: if the loan personnel rejection phone or not refunding, then putting through the emergency contact of the loan personnel
Number carry out collection；
100413: if emergency contact's rejection phone of the loan personnel or the loan personnel can not be persuaded to refund,
The number for then putting through the alternative contact people of the loan personnel again carries out collection；And
100414: according to the phone collection situation to the loan personnel and its respective contacts, obtaining the creditor
The valid telephone period of member.
In wherein some embodiments, wherein the loan collection system further comprises an at least phonetic dialing module,
The phonetic dialing module by communications setting in the voice call module so that the robot voice system be able to carry out dial
Number, in the step 100411 into the step 100413, the robot voice system passes through the phonetic dialing module
The loan personnel and its emergency contact and alternative contact people are made a phone call.
In wherein some embodiments, wherein the step 10042 further comprises step:
100421: dialing number and air time of the record to the loan personnel；
100422: recording to the dialing number and dialog context of the corresponding emergency contact of loan personnel；
100423: recording to the dialing number and dialog context of the corresponding alternative contact people of the loan personnel；And
100424: being obtained according to dialing number and dialog context to the loan personnel and its respective contacts to described
The collection complexity of loan personnel.
In wherein some embodiments, wherein the loan collection system further comprises an at least frequency record module one
Voice storage module, the frequency record module and the voice storage module are respectively by communications setting in the data statistics mould
Block is simultaneously communicatively connected to each other, and in the step 100421 into the step 100423, the robot voice system passes through institute
Frequency record module record and voice storage module record are stated to the loan personnel and its emergency contact and spare
It is the dialing number and dialog context of people.
In wherein some embodiments, wherein the loan collection system further comprises an at least data processing module,
The data processing module is deposited by communications setting in the data statistics module and with the frequency record module and the voice
Module communication connection is stored up, in the step 100424, the robot voice system is obtained by the data processing module
The collection complexity of loan not also overdue to the loan personnel.
In wherein some embodiments, wherein the step 10043 further comprises step:
100431: the robot voice system urges money complexity and valid telephone period to send out for the loan personnel's
It send to the loan data statistical system；And
100432: the loan data statistical system receives the data that the robot voice system is sent and record.
In wherein some embodiments, wherein the loan collection system further comprises an at least data transmission blocks,
The data transmission blocks are communicated to connect by communications setting in the data feedback module and with the loan data statistical system,
In the step 100431, the robot voice system will urge the loan personnel by the data transmission blocks
It receives complexity and the data of permissible call period is sent to the loan data statistical system.
In wherein some embodiments, wherein the step 10044 further comprises step:
100441: artificial collection result is fed back into the loan data statistical system；
100442: the loan data statistical system receives the data of feedback and update；
100443: the loan data statistical system saves updated data；And
100444: the data after preservation are sent to the robot voice system by the loan data statistical system.
Detailed description of the invention
Fig. 1 is the application schematic diagram of the first embodiment of loan collection method and its collection system of the present invention.
Fig. 2 is the schematic process flow diagram of the first embodiment of loan collection method of the present invention；
Fig. 3 is the module connection structure schematic diagram of the first embodiment of loan collection system described in Fig. 2；
Fig. 4 is the process schematic block of the improvement embodiment of the first embodiment of loan collection method of the present invention
Figure；
Fig. 5 is the module connection structure schematic diagram of the first embodiment of loan collection system described in Fig. 4.
Specific embodiment
It is described below for disclosing the present invention so that those skilled in the art can be realized the present invention.It is excellent in being described below
Embodiment is selected to be only used as illustrating, it may occur to persons skilled in the art that other obvious modifications.It defines in the following description
Basic principle of the invention can be applied to other embodiments, deformation scheme, improvement project, equivalent program and do not carry on the back
Other technologies scheme from the spirit and scope of the present invention.
It will be understood by those skilled in the art that in exposure of the invention, term " longitudinal direction ", " transverse direction ", "upper",
The orientation of the instructions such as "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom" "inner", "outside" or position are closed
System is to be based on the orientation or positional relationship shown in the drawings, and is merely for convenience of description of the present invention and simplification of the description, without referring to
Show or imply that signified device or element must have a particular orientation, be constructed and operated in a specific orientation, therefore above-mentioned art
Language is not considered as limiting the invention.
As shown in Figures 1 to 5, present invention generally provides a kind of loan collection method, for overdue loan not also into
Row collection, the loan collection method the following steps are included:
1001: a loan data statistical system 12 and a robot voice system 11 are provided；
1002: the loan data statistical system 12 is imported into the robot voice system 11；
1003: the robot voice system 11 identifies the loan data statistical system 12；And
1004: the robot voice system 11 is urged after being borrowed according to the data in the loan data statistical system 12
It receives and manages.
In the step 1001, when the loan data statistical system 12 includes the work of different creditors, loan
Between, the amount of the loan, the length of maturity, loan interest, the repayment time, the repaying amount of money, overdue repaying service charge and loan personnel electricity
Words, loan personnel emergency contact, with loan personnel relationship and its phone, provide a loan personnel alternative contact people, with loan
The relationship of personnel and its phone etc. it is all with loan and related information of refunding.
Also, the robot voice system 11 refers to the robot for being able to carry out auto dialing and voice communication, so that
The robot voice system 11 can carry out autonomous collection according to the overdue loan not also in loan data statistical system 12.
In the step 1002, refer to by the loan data statistical system 12 and the robot voice system 11 into
Row is compatible to be combined.
The step 1003 refers to that the premise that the robot voice system 11 carries out collection to overdue loan is their ability to
Identify the loan data statistical system 12, it, can not be to exceeding if it can not identify the content in loan data statistical system 12
Phase loan carries out collection.
In the step 1004, the robot voice system 11 is according to the number in the loan data statistical system 12
Refer to according to post-loan management is carried out, the robot can not only be gone back according to the record in loan data statistical system 12 to overdue
Loan carry out collection, but also the collection difficulty of different creditors can be counted, and collection difficulty is fed back into loan number
System 12 according to statistics, so that administrative staff or lending mechanism can distribute different abilities according to the collection difficulty of different creditors
Staff saves collection cost to improve collection efficiency.
Correspondingly, loan method of the present invention is completed by a loan collection system 10, the loan collection system 10
Including an at least robot voice system 11 and a loan data module, the robot voice system 11 is by communications setting in institute
It states loan collection system 10 and is communicated to connect with the loan data module, so that the loan collection system 10 can be by described
Robot voice system 11 carries out robot collection to overdue loan not also.In the step 1001, the loan collection
System 10 generates the loan data statistical system 12 by the loan data module and passes through the robot voice system
11 pairs of overdue loans not also carry out collection.
The loan collection system 10 further comprises an at least system introducing module 13,13 quilt of system introducing module
Communications setting is connect in the loan collection system 10 and with table generation system communication for making the loan collection system
System 10 can data or system imported.In the step 1002, the loan collection system 10 is led by the system
Enter module 13 and the loan data statistical system 12 is imported into the robot voice system 11.
The loan collection system 10 further comprises an at least data identification module 111, the data identification module 111
It is communicated to connect by communications setting in the robot voice system 11 and with the system introducing module 13, so that the robot
Voice system 11 can identify the loan data statistical system 12.In the step 1003, the robot voice system
11 identify the loan data statistical system 12 by the data identification module 111.
The loan collection system 10 further comprises an at least voice collection module 112, the voice collection module 112
It is communicated to connect by communications setting in the robot voice system 11 and with the data identification module 111, for making the machine
Device human speech system for electrical teaching 11 carries out collection to overdue loan not also.In the step 1004, the robot voice system 11
Phone collection is carried out according to the data in the loan data statistical system 12 by the voice collection module 112.
That is, in the first embodiment of loan collection method of the present invention, the loan collection system 10
Pass through the table generation module to generate the loan data statistical system 12 and incite somebody to action by the system introducing module 13
The loan data statistical system 12 imports the robot voice system 11, and the robot voice system 11 receives described
The number in the loan data statistical system 12 is identified after loan data statistical system 12 by the data identification module 111
According to, then by the voice collection module 112 to the data progress phone collection in the loan data statistical system 12.
Preferably, in the first embodiment of the present invention, the step 1001 further comprises step:
10011: collecting loan data；And
10012: the loan data being summarized and generates the loan data statistical system 12.
Wherein, step 10011 and step 10012 refer to, in a preferred embodiment of the invention, the loan data statistics
System 12 is formed by way of collection.But a specific embodiment of the invention is not limited thereto, those skilled in the art
The loan data statistical system 12 can be provided using other modes, such as with ready-made loan data statistical system 12 etc.,
If through the invention the loan collection system 10 to overdue in existing loan data statistical system 12 do not repay into
If row collection, as long as by the system introducing module 13 in the loan collection system 10 by loan in the prior art
Data statistics system 12 imports the robot voice system 11.In other words, if use with the present invention it is identical or
Approximate technical solution solves the technical problem identical or approximate as the present invention, and has reached identical or close as the present invention
As technical effect, belong within protection scope of the present invention, a specific embodiment of the invention is not limited thereto.
Wherein, in the step 10011, the collection of loan data includes being collected by the modes such as inputting, editing,
And the loan data being collected into is synthesized by the loan data by the table generation module in the step 10012 and is counted
System 12.
Correspondingly, the loan data statistical system 12 includes an at least data collection module 121, the data collection mould
Block 121 is by communications setting in the loan data statistical system 12 so that the loan data statistical system 12 can collect number
According to.In the step 10011, the loan data statistical system 12 collects loan number by the data collection module 121
According to.
The loan data statistical system 12 further comprises an at least data generation module 122, and the data generate mould
Block 122 is communicated to connect by communications setting in the loan data statistical system 12 and with the data collection module 121 so that institute
The loan data statistical system 12 can be generated by stating loan collection system 10.In the step 10012, the loan data
Statistical system 12 is generated by the data generation module 122.
That is, in the step 1001, the loan data statistical system 12
Preferably, the step 1002 further comprises step:
10021: detecting the safety of the loan data statistical system 12；
10022: the format of the format and the robot voice system 11 that confirm the loan data statistical system 12 is
No compatibility；And
10023: the loan data statistical system 12 is imported into the robot voice system 11.
Wherein, the step 10021 refers to, when the loan data statistical system 12 is imported into the robot voice system
After system 11, the safety to the loan data statistical system 12 is needed to detect, the including but not limited to described loan number
Whether there is virus etc. in the source of system 12 and the loan data statistical system 12 according to statistics.
In the step 10022, loan collection method and system of the present invention are not intended to limit the loan data
The specific format of the format of statistical system 12 and the robot voice system 11, as long as 12 energy of loan data statistical system
It is compatible with the robot voice system 11.
Correspondingly, the system in loan collection system 10 of the present invention, in the loan collection system 10
Import modul 13 further comprises an at least detection module 131, and the detection module 131 is by communications setting in the system introducing
Module 13 is detected with the safety to the loan data statistical system 12.In the step 10021, the loan is urged
Receipts system 10 detects the safety of the loan data statistical system 12 by the detection module 131.
The system introducing module 13 further comprises an at least format confirmation module 132, the format confirmation module 132
It is communicated to connect by communications setting in the system introducing module 13 and with the detection module 131, for confirming the loan number
Whether the format of system 12 and the format of the robot voice system 11 are compatible according to statistics.It is described in the step 10022
Loan collection system 10 confirms the format and the machine of the loan data statistical system 12 by the format confirmation module 132
Whether the format of device human speech system for electrical teaching 11 is compatible with.
That is, detecting the loan data statistical system by the detection module 131 in the step 1002
12 safety, then the format and the machine that pass through the certain loan data statistical system 12 of the format confirmation module 132
Whether the format of device human speech system for electrical teaching 11 is compatible with, finally again by the system introducing module 13 by the loan data department of statistic
System 12 imports the robot voice system 11.
Preferably, in the first embodiment of loan collection method of the present invention, the step 1003 is further wrapped
Include step:
10031: verifying whether the robot voice system 11 can identify the loan data；And
10032: if the robot voice system 11 can not identify the loan data statistical system 12, return step
1002。
Wherein, the step 10031 refers to that the loan data needs to first pass through verifying before identified, in other words
It says, the only described data identified by the robot voice system 11 can make the robot voice system 11 according to number
According to progress phone collection.
The step 10032 refers to, if the robot voice system 11 can not identify the loan data statistical system
12, then it can return to step 1002 prompt and the loan data statistical system 12 is imported into the robot voice system again
11 or modification after import the robot voice system 11 again again or import other loan data statistical systems 12 etc..
In other words, if the robot voice system 11 can not identify the loan data, then the loan collection system 10
It cannot be introduced into next step, but corresponding operation prompt can be provided.
Correspondingly, the data identification module 111 further comprises that at least a Data Verification module 1111, the data are tested
Card module 1111 communicated to connect by communications setting in the data identification module 111 and with the system introducing module 13, with
Whether the loan data can be identified in the verifying robot voice system 11.In the step 10031, the loan
Collection system 10 is verified by the Data Verification module 1111 in the data identification module 111
No can be identified by the robot voice system 11 is verified.
The data identification module 111 further comprises an at least content presentation module 1112, the content presentation module
1112 communicate to connect by communications setting in the data identification module 111 and with the Data Verification module 1111, for making
The loan collection system 10 can prompt accordingly operating procedure.In the step 10032, the loan collection
System 10 is prompted by the content presentation module 1112.It should be pointed out that the content presentation module 1112 includes
Voice prompting, display reminding or its combination etc. are carried out, a specific embodiment of the invention is not limited thereto.
As described above, the loan collection system 10 passes through in the data identification module 111 in the step 1003
The Data Verification module 1111 verify whether the robot voice system 11 can identify the loan data department of statistic
Data in system 12, if the robot voice system 11 can not identify the data in the loan data statistical system 12,
Operation content is prompted accordingly by the content presentation module 1112.
Preferably, in the first embodiment of loan collection system 10 of the present invention, the step 1004 is further
Comprising steps of
10041: phone collection is carried out by the robot voice system 11；
10042: the robot voice system 11 counts collection complexity according to phone collection situation；
10043: collection complexity is fed back to the loan data statistical system 12 by the robot voice system 11；
And
10044: manual sort's collection is carried out according to the collection complexity in the loan data statistical system 12.
Preferably, described to be used as further improvement of this embodiment, the step 1004 further comprises step:
10045: artificial collection result is fed back into the loan data statistical system 12.
Wherein, in the step 10041, phone collection refers to the robot voice system 11 according to the loan number
The content in system 12 carries out automatic dialing phone according to statistics, and to loan, personnel carry out preliminary phone collection.
In the step 10042, the collection difficulty that the robot voice system 11 counts refers to each different
The preliminary phone collection situation of loan personnel counts, than if any loan personnel be because forget repay the date and not also
Borrow, as long as then in this case loan personnel be connected to collection phone generally can at the first time loan also on；Loan also
Personnel are then because economic situation is unable to complete repaying in full, then this when, the robot voice system 11 can then pass through
Its degree set guidance loan personnel are repaid by stages；Loan personnel also do not contact then anyway, or
It is exactly not refund although being contacted.The robot voice system in loan collection system 10 so of the present invention
System 11 can count the collection difficulty of each loan personnel according to above-mentioned or similar to the above situation.
In addition, collection complexity includes the complexity of loan personnel in character and complexity economically, than
If some creditor persons are exactly not intend to go back money, regardless of it is rich it is out of funds be all not intended to repay, and some loans personnel be then because
Economic strain and can not repay, the robot voice system 11 by various situations progress statistic of classification go out each loan personnel
Collection complexity.
The step 10043 refers to, when the robot voice system 11 is according in the loan data statistical system 12
Data phone collection is carried out to each loan personnel and the collection difficulty of each loan personnel is carried out according to collection result
After statistics, collection difficulty can be fed back to the loan data statistical system 12, so that the loan data statistical system
12 can carry out real-time update to loan profile, be also convenient for staff according to the data in the loan data statistical system 12
It follows up.
In the step 10044 and the step 10045, artificial collection is carried out according to collection complexity and refers to basis
Collection work is distributed to different collection personnel and carries out artificial collection by different situations, for example makes collection because of economic strain
Difficult client, the staff that ability can be arranged strong carry out collection；And make the client of collection difficulty for personality advantage,
The stronger staff of imposing manner can be arranged to carry out collection, due to carrying out phone by the robot voice system 11
Preliminary collection, therefore this when arranges different staff to carry out artificial collection further according to the complexity of collection, can be into
One step improves collection effect.
In addition, it is due to manually also not necessarily can be whole that collection result, which is fed back to the loan data statistical system 12,
Complete all overdue situations of not repaying in the loan data statistical system 12, therefore the collection for having completed and not complete
At or the collection situation that is partially completed will Real-time Feedback to the loan data statistical system 12 so that the loan data is united
Meter systems 12 not only carry out whole record to data, but also convenient for follow-up work personnel according to the loan data statistical system 12
The robot voice system 11 is arranged again or manually carries out collection.
Correspondingly, in the first embodiment of loan collection system 10 of the present invention, the voice collection module 112
Including an at least voice call module 1121, the voice call module 1121 is by communications setting in the voice collection module
112 so that the robot voice system 11 can carry out phone collection by the voice call module 1121.In the step
In rapid 10041, the robot voice system 11 passes through the voice call module 1121 in the voice collection module 112
Collection is carried out to each loan personnel in the loan data statistical system 12.
The voice collection module 112 further comprises an at least data statistics module 1122, the data statistics module
1122 communicate to connect by communications setting in the voice collection module 112 and with the voice call module 1121 so that the machine
Device human speech system for electrical teaching 11 can count the complexity of phone collection according to dialog context and session results.In the step
In rapid 10042, the robot voice system 11 passes through the data statistics module 1122 in the voice collection module 112
Count the collection complexity of each loan personnel.
The voice collection module 112 further comprises an at least data feedback module 1123, the data feedback module
1123 communicate to connect by communications setting in the voice collection module 112 and with the data statistics module 1122 so that institute's predicate
Sound robot voice system 11 can be by the data feedback of the collection complexity of statistics to the loan data statistical system 12.
In the step 10043, the robot voice system 11 passes through the data feedback in the voice collection module 112
Module 1123 is by the data feedback of collection complexity to the loan data statistical system 12.
The voice collection module 112 further comprises an at least data reception module 1124, the data reception module
1124 by communications setting in the loan data statistical system 12 so that it is described loan collection system 10 in the loan data
Statistical system 12 can receive the result data after artificial collection.In the step 10044, the loan collection system 10 is logical
Crossing the data reception module 1124 makes the loan data statistical system 12 receive the result data after artificial collection.
That is, the robot voice system 11 in the step 1004, in the loan collection system 10
Preliminary phone collection is carried out to each loan personnel by the voice call module 1121, and according to collection situation and collection knot
Fruit obtains the collection complexity of each loan personnel by the data statistics module 1122, anti-by the data again later
The collection complexity for each loan personnel that statistics obtains is fed back to the loan data statistical system 12 by feedback module 1123,
The loan data statistical system 12 by the data reception module 1124 in the voice collection module 112 receive for
The data of the collection complexity of each loan personnel.
Preferably, as shown in Figure 4 and Figure 5, urged as Dai Kui of the present invention the first embodiment of receiving method into one
Step is improved, and the step 10041 further includes steps of
100411: the robot voice system 11 is according to the data in the loan data statistical system 12 to each loan
Money personnel make a phone call；
100412: if loan personnel do not answer the call or do not refund, then putting through number of the emergency contact of loan personnel
Code carries out collection；
100413: if the emergency contact of loan personnel does not answer the call or loan personnel can not be persuaded to refund, then
The number for putting through the alternative contact people of loan personnel carries out collection；And
100414: according to the phone collection situation to each loan personnel and its corresponding contact person, obtaining for each
The valid telephone period of loan personnel.
Wherein, in the step 100411, each loan personnel are dialed by the robot voice system 11
When phone, wherein the number of dialing period, ring time and dialing all can be set or adjust.Namely
It says, the robot voice system 11 can (for example the work and rest of Xinjiang region be with it in conjunction with each work and rest rule from different places
His most area is that have the time difference), the different operating mode of various industries (such as advertising sector or research staff etc., due to
Need of work most people keep late hours) etc. when to each different loan personnel, different dialing periods, jingle bell are set
Between and dialing number, thus improve loan collection efficiency.
In addition, the robot voice system 11, in the communication process to each loan personnel, call words art is also wrapped
Include but be not limited by the modes such as artificial recording, TTS synthesis, and being capable of loan according to different industries, different operating property
Loan personnel be adapted to it is different if art.For example, the art to businessman, office worker and unemployed's adaptation difference, thus into one
Step improves loan collection efficiency.
The step 100412 and the step 1004113 refer to, due in the loan data statistical system 12 there are
The emergency contact's number (usually spouse's telephone number) and alternative contact people that each loan personnel fill in when providing a loan originally
Number (usually relatives' number), therefore when the robot voice system 11 can not be got in touch with or each with each loan personnel
It, can be by dialing it with occasionally relatives' phone, to match occasionally relatives or other contact persons by it when loan personnel do not refund
Strength (such as marriage pressure and/or moral pressure etc.) so that each loan personnel is refunded, to improve of the present invention
Loan collection method collection efficiency.
In the step 100414, the valid telephone period refers to when the robot voice system 11 is to each loan
During personnel and its different contact person's progress phones urge money, by recording the number and/or actively hung that phone is switched on
Disconnected number and count the permissible call period obtained for each loan personnel and its different contact persons so that subsequent artefacts
It can be carried out when collection overdue not repaying according to the permissible call period of different loan personnel and its different contact person
Collection, to further increase the collection efficiency of loan collection method of the present invention.
Correspondingly, the voice call module 1121 in loan collection system 10 of the present invention includes an at least language
Sound dial module 11211, the phonetic dialing module 11211 is by communications setting in the voice call module 1121 so that described
Robot voice system 11 is able to carry out phonetic dialing.In the step 100411 into the step 100413, the machine
Human speech system for electrical teaching 11 by the phonetic dialing module 11211 in the voice call module 1121 to each loan personnel and
Its emergency contact and alternative contact people make a phone call.
The voice call module 1121 further comprises an at least time recording module 11212, and the time records mould
Block 11212 by communications setting in the voice call module 1121 and write to each other with the phonetic dialing module 11211 so that
The robot voice system 11 can record the time for the phone dialed.In the step 100414, the machine
Device human speech system for electrical teaching 11 obtains each loan personnel and its emergency contact and spare by the time recording module 11212
It is the valid telephone period of people.
That is, the robot voice system 11 passes through the phonetic dialing module in the step 10041
11211 dial into each loan personnel, to carry out collection to overdue loan not also, if loan personnel do not answer the call or do not go back
Money then dials into its emergency contact's number by the phonetic dialing module 11211 and carries out phone collection, if its emergency contact
People does not also answer the call or can not make its refund, then the number to redial to its alternative contact people carries out phone collection, and whole
In a communication process, the robot voice system 11 by the time recording module 11212 record each loan personnel and
The call of its emergency contact and alternative contact people or the time actively hung up, to obtain each loan personnel and its corresponding
The permissible call period of emergency contact and alternative contact people.
Preferably, in the first embodiment of loan collection method of the present invention, the step 10042 is further wrapped
Include step:
100421: recording to the dialing number and dialog context of each loan personnel；
100422: recording to the dialing number and dialog context of each corresponding emergency contact of loan personnel；
100423: recording to the dialing number and dialog context of the corresponding alternative contact people of each loan personnel；And
100424: according in the dialing number and call for giving each loan personnel and its emergency contact and alternative contact people
Hold the collection complexity obtained to each loan personnel.
Wherein, it in the step 100421 into the step 100424, is primarily referred to as by recording to each creditor
The dialing difficulty and dialog context of member and its emergency contact and alternative contact people are tentatively estimated to each loan personnel not
Same collection complexity.
Correspondingly, in loan collection system 10 of the present invention, the data statistics module 1122 further comprises
An at least frequency record module 11221 and a voice storage module 11222, the frequency record module 11221 and the voice
Memory module 11222 is respectively by communications setting in the data statistics module 1122 and communicatively connected to each other, to make the machine
Device human speech system for electrical teaching 11 can record dialing number and dialog context.In the step 100421 to the step
In 100423, the robot voice system 11 passes through the frequency record module 11221 and the voice storage module 11222
Record the dialing number and dialog context to each loan personnel.
The data statistics module 1122 further comprises an at least data processing module 11223, the data processing mould
Block 11223 is deposited by communications setting in the data statistics module 1122 and with the frequency record module 11221 and the voice
It stores up module 11222 to communicate to connect, so that the robot voice system 11 can be handled dialing number and dialog context.
In the step 100424, the robot voice system 11 is obtained by the data processing module 11223 to each loan
The overdue collection complexity that do not repay of money personnel.
It is in the first embodiment of the present invention, described as the further preferred of loan collection method of the present invention
Step 10043 further comprises step:
100431: the robot voice system 11 urges money complexity and valid telephone for each loan personnel's
Period is sent to the loan data statistical system 12；And
100432: the loan data statistical system 12 receives the data that the robot voice system 11 is sent and note
Record.
Wherein, the step 100431 refers to that the robot voice system 11 is urging money phone to each loan personnel
During data and content is recorded and is passed through after processing and will urge money complexity and logical to each loan personnel
Words effectual time is sent to the loan data statistical system 12, so as to can pass through the loan data when subsequent artefacts' collection
Statistical system 12 learns the concrete condition of each loan personnel, to improve artificial collection efficiency.
Correspondingly, the data feedback module 1123 further comprises an at least data transmission blocks 11231, the data
Sending module 11231 by communications setting in the data feedback module 1123 and with 12 communication link of loan data statistical system
It connects, so that the robot voice system 11 can realize that data are sent by the data feedback module 1123.In the step
In rapid 100431, the robot voice system 11 will urge money complexity and permissible call period to lead to each loan personnel
It crosses the data transmission blocks 11231 and is sent to the loan data statistical system 12.
The data feedback module 1123 further comprises an at least data recordin module 11232, the data record mould
Block 11232 is communicated to connect by communications setting in the data feedback module 1123 and with the loan data statistical system 12, with
The loan data statistical system 12 is set to record the data received.In the step 100432, the loan
Money data statistics system 12 records the data received by the data recordin module 11232.
That is, the robot voice system 11 passes through the data transmission blocks in the step 10043
Each loan personnel are urged money complexity and permissible call period to send by the data transmission blocks 11231 by 11231
To the loan data statistical system 12, the loan data statistical system 12 is received by the data reception module 1124 again
The data are simultaneously recorded by the data recordin module 11232.
Further, the further improvement as the first embodiment of loan collection method of the present invention, institute
Stating step 10044 further comprises step:
100441: artificial collection result is fed back into the loan data statistical system 12；
100442: the loan data statistical system 12 receives the data of feedback and update；
100443: the loan data statistical system 12 saves updated data；And
100444: the data after preservation are sent to robot voice system by the loan data statistical system 12
System 11.
Wherein, in the step 100441, manually collection result feedback is referred to when staff passes through manually to loan
Money personnel call in a loan after collection the result is that being not the artificial collection of staff once can be received all not necessarily
Back, some loan personnel still can not refund either can only partial payment etc., need in this case to result into
Row record, in order to which next time passes through the phone collection that artificial or robot carries out a new round.
The step 100442 and the step 100443 refer to that the loan data statistical system 12 can be implemented to update most
New data simultaneously automatically saves.
The step 100444 refers to when the loan data statistical system 12 saves newest loan and refund data
After can be sent to the robot voice system 11 in time so that the robot voice system 11 can be according to newest loan
Data statistics system 12 carries out the phone collection of next round, to enable loan collection method circulation continuous of the present invention
Ground work.
Correspondingly, in the first embodiment of loan collection system 10 of the present invention, the data reception module
1124 further comprise an at least data update module 11241 and an at least data storage module 11242, and the data update mould
Block 11241 and the data storage module 11242 are led in the data reception module 1124 and each other by communications setting respectively
Letter connection, so that the loan data statistical system 12 is able to carry out data and updates and save.In the step 100442, institute
It states loan data statistical system 12 to be updated the data received by the data update module 11241, and in institute
It states in step 100443, the loan data statistical system 12 is by the data storage module 11242 to updated data
It is saved.
That is, the loan data statistical system 12 passes through the data reception module in the step 10044
1124 receive the data of feedback and are updated by the data update module 11241 to the data received, finally by
The data storage module 11242 saves updated data, will protect finally by the data transmission blocks 11231
Latest data after depositing is sent to the robot voice system 11.
In addition to this, a kind of deformation as loan collection method of the present invention, the loan collection method are also wrapped
Telephone rings duration of the personnel before closing of the circuit that can provide a loan according to dialing procedure is included to go to judge to loan personnel
Collection complexity etc..Those skilled in the art can be according to actual needs on the basis of above-mentioned exposure of the invention to this hair
Bright specific embodiment is changed, as long as using technical solution identical or approximate with the present invention, is solved and this hair
Bright identical or approximate technical problem, and reached technical effect identical or approximate with the present invention, it belongs to of the invention
Within protection scope, a specific embodiment of the invention is not limited thereto.
It should be understood by those skilled in the art that foregoing description and the embodiment of the present invention shown in the drawings are only used as illustrating
And it is not intended to limit the present invention.The purpose of the present invention has been fully and effectively achieved.Function and structural principle of the invention exists
It shows and illustrates in embodiment, under without departing from the principle, embodiments of the present invention can have any deformation or modification.
As long as using technical solution identical or approximate with the present invention i.e. on the basis of above-mentioned exposure of the invention, solve and this
Identical or approximate technical problem is invented, and has reached technical effect identical or approximate with the present invention, belongs to the present invention
Protection scope within, a specific embodiment of the invention is not limited thereto.
Claims (20)
1. a kind of loan collection method, which is characterized in that the loan collection method is used for overdue not at least one loan personnel
Loan also carries out collection, the loan collection method the following steps are included:
1001: a loan data statistical system and a robot voice system are provided；
1002: the loan data statistical system is imported into the robot voice system；
1003: loan data statistical system described in the robot voice system identification；And
1004: collection after the robot voice system is borrowed according to the data in the loan data statistical system.
2. loan collection method according to claim 1, wherein the loan collection method is by a loan collection system
System is completed, the robot voice system and the loan data statistical system and communications setting in the loan collection system with
Realize that loan not also overdue to the loan personnel carries out collection.
3. loan collection method according to claim 2, wherein the loan collection system includes an at least system introducing
Module, the system introducing module is by communications setting in the loan collection system, in the step 1002, the loan number
System imports the robot voice system by the system introducing module according to statistics.
4. loan collection method according to claim 3, wherein the loan collection system further comprises at least one number
According to identification module and a voice collection module, wherein the data identification module and the voice collection module are set by communication respectively
Be placed in the robot voice system and it is communicatively connected to each other and with the system introducing module communicate to connect, in the step
In 1003, the robot voice system is by the data identification module identification loan data statistical system and described
Collection after being borrowed by the voice collection module according to the data in the loan data statistical system in step 1004.
5. loan collection method according to claim 4, wherein the step 1002 further comprises step:
10021: detecting the safety of the loan data statistical system；
10022: confirming whether the format of the loan data statistical system and the format of the robot voice system are compatible；And
10023: the loan data statistical system is imported into the robot voice system.
6. loan collection method according to claim 5, wherein the loan collection system further comprises at least one inspection
Module is surveyed, the detection module is by communications setting in the system introducing module with the safety to the loan data statistical system
Property detected, in the step 10021, the loan collection system detects the loan data by the detection module
The safety of statistical system.
7. loan collection method according to claim 6, wherein the step 1003 further comprises step:
10031: verifying whether the robot voice system can identify the loan data；And
10032: if the robot voice system can not identify the loan data statistical system, returning to the step
1002。
8. loan collection method according to claim 7, wherein the loan collection system further comprises at least one number
According to authentication module, the Data Verification module leads to by communications setting in the data identification module and with the system introducing module
Letter connection, in the step 10031, the loan collection system verifies the loan data by the Data Verification module
Can the data in statistical system by the robot voice system identification.
9. loan collection method according to claim 4, wherein the step 1004 further comprises step:
10041: phone collection is carried out by the robot voice system；
10042: the robot voice system counts the collection complexity to the loan personnel according to phone collection situation；
10043: the robot voice system will feed back to the loan data to the collection complexity of the loan personnel
Statistical system；And
10044: being arranged according to the collection complexity to the loan personnel that the loan data statistical system is recorded artificial
Collection.
10. loan collection method according to claim 9, wherein the loan collection system includes an at least voice communication
Module, a data statistics module and a data feedback module, the voice call module, the data statistics module and the number
According to feedback module respectively by communications setting in the voice collection module and communicatively connected to each other, in the step 10041, lead to
The voice call module crossed in the robot voice system carries out phone collection, in the step 10042, the machine
Device human speech system for electrical teaching counts the collection difficulty or ease to the loan personnel by the data statistics module according to phone collection situation
Degree and in the step 10043, feeds back to the loan data for collection complexity by the data feedback module
Statistical system.
11. loan collection method according to claim 10, wherein the step 1004 further comprises step:
10045: artificial collection result is fed back into the loan data statistical system.
12. loan collection method according to claim 11, wherein the loan collection system further comprises at least one
Data reception module, the data reception module is by communications setting in the loan data statistical system so that the loan data
Statistical system can receive data, and in the step 10045, the loan data statistical system passes through the data reception
Block receives artificial collection result data.
13. loan collection method according to claim 12, wherein the step 10041 further comprises step:
100411: the robot voice system dials the loan personnel according to the data in the loan data statistical system
It makes a phone call；
100412: if the loan personnel rejection phone or not refunding, then putting through number of the emergency contact of the loan personnel
Code carries out collection；
100413: if emergency contact's rejection phone of the loan personnel or the loan personnel can not be persuaded to refund, then
The number for putting through the alternative contact people of the loan personnel carries out collection；And
100414: according to the phone collection situation to the loan personnel and its respective contacts, obtaining the loan personnel's
The valid telephone period.
14. loan collection method according to claim 13, wherein the loan collection system further comprises at least one
Phonetic dialing module, the phonetic dialing module is by communications setting in the voice call module so that the robot voice system
System is able to carry out dialing, and in the step 100411 into the step 100413, the robot voice system passes through described
Phonetic dialing module makes a phone call the loan personnel and its emergency contact and alternative contact people.
15. loan collection method according to claim 14, wherein the step 10042 further comprises step:
100421: dialing number and air time of the record to the loan personnel；
100422: recording to the dialing number and dialog context of the corresponding emergency contact of loan personnel；
100423: recording to the dialing number and dialog context of the corresponding alternative contact people of the loan personnel；And
100424: being obtained according to dialing number and dialog context to the loan personnel and its respective contacts to the loan
The collection complexity of personnel.
16. loan collection method according to claim 15, wherein the loan collection system further comprises at least one
One voice storage module of frequency record module, the frequency record module and the voice storage module respectively by communications setting in
The data statistics module is simultaneously communicatively connected to each other, in the step 100421 into the step 100423, the robot
Voice system is recorded by the frequency record module and voice storage module record is to the loan personnel and its promptly
The dialing number and dialog context of contact person and alternative contact people.
17. loan collection method according to claim 16, wherein the loan collection system further comprises at least one
Data processing module, the data processing module by communications setting in the data statistics module and with the frequency record module
And the voice storage module communication connection, in the step 100424, the robot voice system passes through the data
Processing module obtains the collection complexity of loan not also overdue to the loan personnel.
18. loan collection method according to claim 17, wherein the step 10043 further comprises step:
100431: the robot voice system urges money complexity and valid telephone period to be sent to for the loan personnel's
The loan data statistical system；And
100432: the loan data statistical system receives the data that the robot voice system is sent and record.
19. loan collection method according to claim 18, wherein the loan collection system further comprises at least one
Data transmission blocks, the data transmission blocks are counted by communications setting in the data feedback module and with the loan data
System communication connection, in the step 100431, the robot voice system will be to institute by the data transmission blocks
The collection complexity and the data of permissible call period for stating loan personnel are sent to the loan data statistical system.
20. loan collection method according to claim 19, wherein the step 10044 further comprises step:
100441: artificial collection result is fed back into the loan data statistical system；
100442: the loan data statistical system receives the data of feedback and update；
100443: the loan data statistical system saves updated data；And
100444: the data after preservation are sent to the robot voice system by the loan data statistical system.
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|---|---|---|---|
| CN201910179114.XA CN110097447A (en) | 2019-03-11 | 2019-03-11 | Loan collection method and system |
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| CN201910179114.XA CN110097447A (en) | 2019-03-11 | 2019-03-11 | Loan collection method and system |
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