CN110288464A

CN110288464A - A kind of collection method, system and device

Info

Publication number: CN110288464A
Application number: CN201910501225.8A
Authority: CN
Inventors: 阮泽文; 符瑜昌
Original assignee: WeBank Co Ltd
Current assignee: WeBank Co Ltd
Priority date: 2019-06-11
Filing date: 2019-06-11
Publication date: 2019-09-27
Also published as: WO2020248883A1

Abstract

The embodiment of the invention discloses a kind of collection method, system and device, wherein method includes: the one or more marks to collection user for receiving at least one operation system and sending, and it is obtained from presetting database and the matched one or more collection states to collection user of one or more marks to collection user, and then determine that one or more carries out collection to collection user to one or more according to collection mode to the corresponding collection mode of collection user, and by operator according to the collection state of one or more collection users.In the embodiment of the present invention, determine one or more to the corresponding collection mode of collection user by the collection state of one or more collection users, may not need manual intervention, automatically derive it is each dial mode to the corresponding collection of collection user, so as to improve the efficiency and accuracy of collection.

Description

A kind of collection method, system and device

Technical field

The present invention relates to financial technology (Fintech) technical field more particularly to a kind of collection method, system and device.

Background technique

With the development of computer technology, more and more technical applications are in financial field, and traditional financial industry is also Gradually change to financial technology (Fintech), however, due to the safety of financial industry, requirement of real-time, so that financial technology To technology, more stringent requirements are proposed in field.By taking bank as an example, a plurality of types of credit operations would generally be related in bank, than Such as little Wei enterprise, which borrows, holding enterprise is borrowed, individual is industrial and commercial borrows；In general, if reaching the refund date, user does not refund also, or The value-at-risk that person does not arrive the refund date but user refunds on schedule is higher, then bank can carry out collection to user, in this way, can User is reminded to refund on time, and the refund wish of available user, so that it is determined that being directed to the subsequent collection plan of the user.

Artificial collection mode is a kind of existing more common collection mode, for example, if 50 users (such as small micro- enterprise Industry) it is borrowed to application Liao little Wei enterprise, bank and exceeds the time limit not refund, then it can be arranged by artificial mode under artificial collection mode This corresponding collection of 50 users dial mode (such as may include collection dial number, introduce language, words art etc.), Jin Erke By by operator according to the collection being manually arranged dial in a manner of to this 50 users dial collection phone.Using this kind of mode, More manual intervention is usually required, so as to make the efficiency of collection lower；For example, 50 Ge little Wei enterprises are directed to In little Wei enterprise A, the loaning bill information according to little Wei enterprise A is required under artificial collection mode, the history of little Wei enterprise A is borrowed money Situation, credit of little Wei enterprise A etc. determine the value-at-risk height that little Wei enterprise A refunds；Further, however, it is determined that little Wei enterprise A For refund high risk enterprise, then can choose it is more severe if art collection is carried out to little Wei enterprise A, however, it is determined that little Wei enterprise A For refund low-risk enterprise, then can choose it is more mild if art collection is carried out to little Wei enterprise A.In above process, people Work point analysis process usually require expend longer time, thereby increases and it is possible to will appear fault so that the efficiency of collection and accurately Property is lower.

To sum up, a kind of collection method is needed at present, to improve the efficiency and accuracy of collection.

Summary of the invention

The embodiment of the present invention provides a kind of collection method, system and device, to improve the efficiency and accuracy of collection.

In a first aspect, a kind of collection method provided in an embodiment of the present invention, which comprises

The collection list of at least one operation system transmission is received, includes one or more in the collection list to collection The mark of user；Further, it is obtained from presetting database matched with one or more of marks to collection user One or more of collection states to collection user, and determined according to the collection state of one or more of collection users It is one or more of to the corresponding collection mode of collection user, and then to operator send it is one or more of wait urge Receive the corresponding collection mode of user, by make the operator according to it is one or more of to the corresponding collection of collection user in a manner of Collection is carried out to collection user to one or more of；Wherein, one or more of to the corresponding collection side of collection user Formula is used to indicate to one or more of modes for carrying out collection to collection user.

In above-mentioned design, determine one or more to collection user by the collection state of one or more collection users Corresponding collection mode, may not need manual intervention, automatically derive it is each dial mode to the corresponding collection of collection user, So as to improve the efficiency and accuracy of collection；And by decoupling collection method and operation system, above-mentioned set can be made Collection method in meter is applied to multiple business system, determining corresponding to collection user without being directed to single operation system Collection mode so that the application range of collection method is more extensive.

In a kind of possible design, the method also includes: receive the one or more of of operator's transmission Collection to collection user is as a result, and update the preset data according to one or more of collection results to collection user The one or more of collection states to collection user stored in library；Further, be directed to it is one or more of to In collection user first to collection user, determine whether to the collection state of collection user to described first according to described first Secondary collection is carried out to collection user；If it is determined that carrying out secondary collection to collection user to described first, then according to described first Collection result to collection user determines that described first sends institute to the corresponding secondary collection mode of collection user, and to operator First is stated to the corresponding secondary collection mode of collection user, so that the operator is corresponding to collection user according to described first Secondary collection mode carries out secondary collection to collection user to described first.

In above-mentioned design, by obtaining one or more collections to collection user in real time as a result, one can be determined Or it is multiple to the corresponding collection state of collection user, i.e., collection effect achieved is carried out to collection user to one or more at present Fruit (for example successfully pass on collection mode, the payback period is had confirmed that collection user, do not received calls, to collection user wait urge User is received to hang up the telephone), so as to determine subsequent execution to the corresponding collection state of collection user according to one or more Which kind of collection process；That is, above-mentioned design is by the collection of real-time reception operator as a result, can quickly plan subsequent Collection mode, so as to improve the efficiency of collection.

It is described to determine whether to the collection state of collection user to described according to described first in a kind of possible design First carries out secondary collection to collection user, comprising: described first to the collection state of collection user is to promise to undertake the default time limit When interior refund, if described first does not refund within the default time limit to collection user on time, it is determined that described first wait urge It receives user and carries out secondary collection；If described first refunds within the default time limit to collection user on time, it is determined that not to institute It states first and carries out secondary collection to collection user.

In above-mentioned design, determine whether that treating collection user executes second by using the collection state of first time collection Secondary collection can promise to undertake that treating collection user when refunding carries out molestation caused by secondary collection to avoid when collection user, Improve the experience to collection user；It, can be to collection user and by monitoring the payback period promised to undertake to collection user in real time Collection is carried out to collection user in time when breaking promise, so as to avoid the escape behavior to collection user, improves collection Efficiency.

It is described one or more of to the corresponding collection of collection user to operator's transmission in a kind of possible design Mode, comprising: be divided into the first kind by one or more of to collection user and wait for that collection user and Second Type wait for collection User, the first kind wait for that the value-at-risk of collection user is greater than the value-at-risk that the Second Type waits for collection user；Further The first kind is waited for that the information of collection user is sent to the first operator, and the Second Type is waited for into collection user in ground Information be sent to the second operator.

In above-mentioned design, by carrying out collection to the different operators different to collection user setting of risk class, Can make aweather danger it is higher to collection user and risk it is lower to collection user carry out collection can preferably be urged It produces effects fruit；For example, connection operator can be shown as local number to the collection phone dialed to collection user, such as This, if distributing to connection operator to collection user for risk is higher, risk is higher to be had greatly to collection user Possibility can answer the phone of connection operator so that collection mode to pass on rate higher, improve to high risk user into The collection effect of row collection.

In a kind of possible design, the method also includes: pass through one or more of operation systems and the fortune Battalion quotient sign to one or more of collection results to collection user, and by after signature it is one or more of to The collection result of collection user is stored on block chain.

It is one or more to collection user by the way that at least one operation system and operator are signed in above-mentioned design Collection result be stored in block chain, legal and trusted collection data can be stored by block chain, so as to It is subsequent that collection data are obtained by block chain when needing, it avoids escaping the behavior refunded and/or the side of offering a loan to collection user Illegal activities, while protecting interests to collection user and the side of offering a loan.

In a kind of possible design, it is one or more of to collection user be from one or more of business systems It is obtained at least one user of system transaction according to the information sifting of at least one user；If the user is enterprise, Then the collection state of the user includes following any one or any multinomial: being controlled interest in people's row information of business entity, enterprise Fixed legal person's borrows refund information, the industrial and commercial information in the basis by means of refund information, the enterprise of enterprise.

The prior art is usually based only upon the value-at-risk that company information refunds to enterprise and assesses, however, the stock in enterprise East, legal person etc. can also refund to enterprise and have an impact, so that inaccurate based on the refund value-at-risk that company information is assessed Really；In above-mentioned design, assess to obtain enterprise also by using company information, business entity's information, enterprise's shareholder's informix The value-at-risk of money can make the portrait of enterprise more perfect, and refund value-at-risk is more accurate, so as to improve the standard of collection True property.

Second aspect, a kind of collection system provided in an embodiment of the present invention, the collection system includes at least one business System, the collection unit being connect at least one described operation system and operator；

At least one described operation system, for respectively from at least one described operation system have transaction relationship to Determine that one or more is sent to collection user, and by one or more of marks to collection user in a few user Collection device；

The collection unit, for receiving the one or more of at least one operation system transmission to collection user's Mark, and determined according to the collection state of one or more of collection users it is one or more of right respectively to collection user The collection mode answered；It is one or more of to the corresponding collection mode of collection user be used to indicate to it is one or more of to The mode of collection user progress collection；And it is sent to operator one or more of to the corresponding collection side of collection user Formula；

The operator, for according to it is one or more of to the corresponding collection mode of collection user to one or It is multiple to carry out collection to collection user.

In a kind of possible design, the operator is also used to: according to first to the corresponding collection mode of collection user To described first after collection user carries out collection, collection unit is sent to the collection result of collection user by described first； The collection unit is also used to: receive that the operator sends described first to collection user collection as a result, and according to institute It states first and updates the described first collection to collection user stored in the presetting database to the collection result of collection user State；If it is determined that carrying out secondary collection to collection user to described first, then according to the described first collection knot to collection user Fruit determines that described first sends described first to collection user couple to the corresponding secondary collection mode of collection user, and to operator The secondary collection mode answered；The operator is also used to: according to described first to the corresponding secondary collection mode of collection user to Described first carries out secondary collection to collection user.

The third aspect, a kind of collection device provided in an embodiment of the present invention, described device include:

Transceiver module includes one in the collection list for receiving the collection list of at least one operation system transmission A or multiple marks to collection user；

Module is obtained, it is matched with one or more of marks to collection user for being obtained from presetting database One or more of collection states to collection user；

Processing module, for according to the collection state of one or more of collection users determine it is one or more of to The corresponding collection mode of collection user；It is one or more of to be used to indicate to the corresponding collection mode of collection user to institute State one or more modes that collection is carried out to collection user；

The transceiver module is also used to send to operator one or more of to the corresponding collection side of collection user Formula, by make the operator according to it is one or more of to the corresponding collection of collection user in a manner of to it is one or more of to Collection user carries out collection.

In a kind of possible design, the transceiver module is also used to: receive that the operator sends one or Multiple collections to collection user according to one or more of collection results to collection user as a result, and update described default The one or more of collection states to collection user stored in database；The processing module is also used to: being directed to institute One or more is stated to first in collection user to collection user, according to the described first collection state determination to collection user Whether secondary collection is carried out to collection user to described first；If it is determined that secondary collection is carried out to collection user to described first, Then determined to the collection result of collection user described first to the corresponding secondary collection mode of collection user according to described first, and Send described first to the corresponding secondary collection mode of collection user to operator so that the operator according to described first to The corresponding secondary collection mode of collection user carries out secondary collection to collection user to described first.

In a kind of possible design, the processing module is specifically used for: in the described first collection shape to collection user State is when promising to undertake to refund in the default time limit, if described first does not refund within the default time limit to collection user, really on time It is fixed to carry out secondary collection to collection user to described first；If described first goes back within the default time limit to collection user on time Money, it is determined that do not carry out secondary collection to collection user to described first.

In a kind of possible design, the transceiver module is specifically used for: drawing one or more of to collection user It is divided into the first kind and waits for that collection user and Second Type wait for collection user, the first kind waits for that the value-at-risk of collection user is greater than The Second Type waits for the value-at-risk of collection user；Further, the first kind is waited for that the information of collection user is sent to First operator, and the Second Type is waited for that the information of collection user is sent to the second operator.

In a kind of possible design, the processing module is also used to: passing through one or more of operation systems and institute It states operator to sign to one or more of collection results to collection user, and will be one or more after signature A collection result to collection user is stored on block chain.

In a kind of possible design, it is one or more of to collection user be from one or more of business systems It is obtained at least one user of system transaction according to the information sifting of at least one user；If the user is enterprise, Then the information of the user includes following any one or any multinomial: controlling interest and fixes in people's row information of business entity, enterprise Legal person's borrows refund information, the industrial and commercial information in the basis by means of refund information, the enterprise of enterprise.

Fourth aspect, a kind of computer readable storage medium provided in an embodiment of the present invention, including instruction, when it is being calculated When being run on machine, so that computer executes the collection method as described in above-mentioned first or second aspect is any.

5th aspect, a kind of computer program product provided in an embodiment of the present invention make when run on a computer Obtain collection method of the computer execution as described in above-mentioned first or second aspect is any.

The aspects of the invention or other aspects can more straightforwards in the following description.

Detailed description of the invention

To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this For the those of ordinary skill in field, without any creative labor, it can also be obtained according to these attached drawings His attached drawing.

Fig. 1 is a kind of system architecture schematic diagram of collection system provided in an embodiment of the present invention；

Fig. 2 is a kind of corresponding flow diagram of collection method provided in an embodiment of the present invention；

Fig. 3 a is a kind of system architecture schematic diagram of server cluster system provided in an embodiment of the present invention；

Fig. 3 b is the system architecture schematic diagram of another server cluster system provided in an embodiment of the present invention；

Fig. 4 is a kind of structural schematic diagram of collection device provided in an embodiment of the present invention；

Fig. 5 is a kind of structural schematic diagram of terminal device provided in an embodiment of the present invention；

Fig. 6 is a kind of structural schematic diagram of rear end equipment provided in an embodiment of the present invention.

Specific embodiment

To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing to the present invention make into It is described in detail to one step, it is clear that described embodiments are only a part of the embodiments of the present invention, rather than whole implementation Example.Based on the embodiments of the present invention, obtained by those of ordinary skill in the art without making creative efforts All other embodiment, shall fall within the protection scope of the present invention.

Financial technology (Fintech), which refers to, behind information technology involvement financial field, to be that financial field bring is a kind of new Creative Science and Technology Co. Ltd, assist realizing that financial operation, transaction execute and financial system is improved by using advanced information technology, can To promote treatment effeciency, the business scale of financial system, and cost and financial risks can be reduced.In general, financial technology Field would generally be related to a large amount of data, such as loan data, the purchase card data of sales department, O&M department of credit department Mantenance data etc., how using the means of science and technology feature required for financial field is excavated from a large amount of data, always It is the target that financial technology field is pursued.

By taking the credit department in bank as an example, the portfolio of credit department is usually very huge, for example, credit department Credit database in can store up to ten thousand even hundreds of thousands of history loan datas.In this case, credit department Door staff usually can according to predetermined period (such as one day, a week, one month) to these history loan datas into Row analysis, if discovery there are a certain loan data be more than the time limit require, or find a certain credit data soon expire and User does not refund also, then can carry out collection to the corresponding user of this credit data.However, due to the number of history loan data It is very big according to measuring, cause the user of money to be urged more, therefore, which kind of mode collection is carried out simultaneously to largely money user to be urged using Guarantee obtains preferable collection effect, is always the problem that financial technology field needs to solve.

In one possible implementation, it can be directed to a kind of collection method of each product design, for example, for small It is micro- to borrow a kind of collection method a coupled with small micro- loan product of product design₁, collection method a₁In may include small micro- loan product Some characteristics, thus collection method a₁It can be used for carrying out collection for the enterprise for small micro- loan of providing a loan；Accordingly for individual work Quotient borrows product design another kind and the individual industrial and commercial collection method a for borrowing product and coupling₂, collection method a₂In may include individual work Quotient borrows some characteristics of product, thus collection method a₂It can be used for the self-employed worker borrowed industrial and commercial for loan individual and carry out collection. With collection method a₁For, in general, when need to provide a loan it is small it is micro- borrow product when collection user carry out collection when, Ke Yitong Cross collection method a₁Determine which user needs to carry out collection in the small micro- user for borrowing product of all loans to analyze, thus need to Carry out collection is organized into collection list to collection user, and collection list is sent to operator；In this way, operator can be with Successively collection phone is dialed to collection user into collection list.Due to collection method a₁To be urged with what small micro- loan product coupled Receiving method, so that operator when dialing collection phone, can carry out collection to collection user to each in a manner of following collection: " the user * * * of the small micro- loan of loan, you are good, since your loan soon expires (or having expired), woulds you please refund as early as possible ".

In above-mentioned implementation, collection method needs are coupled with product, so that different business systems are corresponding Different product can not be multiplexed the collection method of another product, cause the portability of collection method poor, virtually increase Develop the cost of collection method.

Based on this, the embodiment of the invention provides a kind of collection methods, for improving the efficiency and accuracy of collection.

Fig. 1 is a kind of system architecture schematic diagram of collection system provided in an embodiment of the present invention, as shown in Figure 1, the system It may include at least one operation system (than operation system 101, operation system 102 and the operation system gone out as schematically shown in Figure 1 103) the collection unit 200, being connect at least one operation system and operator 300.Wherein, at least one operation system can be with It is connect, or can also be connect with collection unit 200 wirelessly with collection unit 200 by wired mode, specifically not It limits.

By taking credit department as an example, at least one operation system can refer at least one service groups in credit department, until Each service groups in few service groups can develop one or more loan products, and can manage in credit department and this The relevant transaction of one or more loan products of service groups exploitation.For example, operation system 101 develops small micro- loan and produces Product, if then 1~user of user 100 applies to credit department and small micro- loan product of successfully having provided a loan, operation system 101 can incite somebody to action Credit information, essential information and credit information of 1~user of user 100 etc. be stored in be arranged inside operation system 101 it is small micro- It borrows in loan database, so as to the refund behavior based on small micro- loan loan database record 1~user of user 100, such as Payback period, the punctual rate of history refund, credit appraisal of 1~user of user 100 etc..

If operation system 101 develops small micro- loan product, operation system 102 develops individual industrial and commercial loan product, business system System 103 develops the private enterprise and borrows product, then in specific implementation, 101~operation system of operation system 103 will can need respectively The industrial and commercial loan product user of small micro- loan product user, individual and the private enterprise for carrying out collection borrow product user and are sent to collection list Member 200.Correspondingly, collection unit 200 can determine that small micro- loan product is used according to small micro- current collection state of product user of borrowing The collection mode at family determines the industrial and commercial collection for borrowing product user of individual according to the individual industrial and commercial current collection state of product user of borrowing Mode borrows the current collection state of product user according to the private enterprise and determines that the collection mode of product user is borrowed by the private enterprise；Than Such as, if a certain small micro- loan product user has been refunded, it may not need to small micro- loan product user and carry out collection, however, it is determined that is a certain Small micro- loan product user to the payback period and credit is lower, then can be using art if more severe to small micro- loans product use Family carries out collection.Further, collection unit 200 can be by small micro- collection mode for borrowing product user, the industrial and commercial loan product of individual The collection mode (including contact details) that product user is borrowed by the collection mode of user and the private enterprise is sent to operator, so that fortune Battalion quotient borrows product user and dials collection phone respectively to small micro- loan product user, the industrial and commercial loan product user of individual and the private enterprise, Realize operation system 101, operation system 102 and operation system 103 respectively to small micro- loans product, the industrial and commercial loan product of individual and private The management of enterprise's loan product.

It is real that the present invention is described so that the small micro- user for borrowing product of the loan managed to operation system 101 carries out collection as an example below Apply the collection method of example offer, it is possible to understand that ground carries out collection to the user of the loan other products of other operation system management Process be referred to this method and realized, specifically repeat no more.

Based on the system architecture of collection system illustrated in Figure 1, Fig. 2 is a kind of collection method provided in an embodiment of the present invention Corresponding flow diagram, this method comprises:

Step 201, operation system 101 determines one or more to collection user.

In the embodiment of the present invention, if user applies for small micro- loan product to business department 101, business department 101 can be The data of the user are stored in small micro- loan loan database while ratifying to provide a loan to the user, small micro- loan loan database It can be used for storing to business department 101 and carry out small micro- loan but the data of the temporary user not refunded.Wherein, the data of user It may include essential information, credit information, the credit information etc. of user, essential information may include the name of user, identity card Number, contact method, home address, email address etc., credit information may include user loan the amount of money, loan duration, Mode of repayment etc., credit information may include the history credit information of user, other operation systems (such as operation system 102 and/ Or operation system 103) to the evaluation information etc. of user.

Table 1 is the possible small micro- schematic table for borrowing loan database of one kind provided in an embodiment of the present invention.

A kind of table 1: possible small micro- signal for borrowing loan database

User	Name	Identification card number	History credit	Payback period	The amount of the loan
						User A₁	Zhang San	X₁	It is excellent	2019.06.01	3000000
User A₂	Li Si	X₂	It is low	2019.05.39	150000
						User A₃	King five	X₃	It is good	2019.06.03	10000000

As shown in table 1, it can store the essential information and credit information of multiple users in small micro- loan loan database, with User A₃For, user A₃Name can be king five, identification card number can be X₃, history credit can be good；Correspondingly, small It can also be stored with the amount of money of multiple user's loans in micro- loan loan database and refund the date, for example, user A₃The gold of loan Volume can be 10,000,000, and the date of refunding can be 2019.06.03.

It should be noted that table 1 is only a kind of illustrative simple declaration, cited by information be merely for convenience of Bright scheme does not constitute the restriction to scheme, it is possible to understand that and ground also may include other information in small micro- loan loan database, Such as gender, age of user etc., specifically it is not construed as limiting.

In specific implementation, the available small micro- small micro- loan of having provided a loan stored in loan database of borrowing of operation system 101 is produced All users of product, are directed to each of all users user, however, it is determined that current date has been more than or has reached the user's The length of maturity and the user does not refund also, then can determine that the user is one to collection user；If it is determined that current date closes on The length of maturity of the user and the user does not refund also, then can according to the amount of the loan, credit information of the user etc. determine should Whether user is to collection user.For example, operation system 101 can be according to small micro- loan if current date is 2019.06.01 User A in loan database₁~user A₃Payback period, select the payback period be less than current date user A₁And repayment period Limit is equal to the user A of current date₂As to collection user；The payback period is directed to apart from current date 2 days user A₃, industry Business system 101 can be by analyzing user A₃Credit, payback period, the amount of the loan assess to obtain user A₃Refund risk, one As for, the credit of user is lower, the payback period is closer, the amount of the loan is higher, then the refund risk of user is higher；According to table 1 It is shown, due to user A₃The amount of the loan it is larger, the payback period differs closer with current date, and credit is general, therefore, credit Department can also be by user A₃As one to collection user.

In one example, when user is little Wei enterprise, operation system 101 can be according to people's row of small micro- business entity That controls interest fixed legal person in information, enterprise borrows refund information, enterprise to borrow refund information, industrial and commercial information in basis of enterprise etc. comprehensive Determine the refund value-at-risk of little Wei enterprise.Wherein, people's row information of legal person may include the inhabitation way address of legal person, mail Location, nationality, educational background, emergency contact and relationship, phone number, home number, work number, Bang Ka bank and to legal person The risk class etc. that analysis assessment obtains before being borrowed；For example, the risk class of legal person can be based on legal person in credit department Loaning bill refund situation in 12 phases of door promises to undertake refund situation, breaks and promise to undertake that situation, enterprise nature are dialed in situation, history collection Equal assessments obtain the risk class of legal person, for example, if high risk event occurs in industry when current date where enterprise, legal person Risk class can also correspondingly increase.Fixed legal person is controlled interest in enterprise may include shareholder in credit department by means of refund information Loan number, the amount of the loan, loan time, correspondingly refund situation, day-to-day account data etc..Enterprise borrows refund information can be with The issue of duration, amount owed, total issue of refunding, extension including enterprise's debt is undergone, account year with the presence or absence of actively refund Whether whether age be refund downpayment, refund downpayment overdue, normally refund recently date, loan value angle value and risk class etc..Enterprise The industrial and commercial information in the basis of industry may include enterprise name, enterprise address, enterprise nature, legal person's post etc..

In general, the value-at-risk that the prior art is usually based only upon that company information refunds to enterprise is assessed, however, enterprise Shareholder, legal person in industry etc. can also refund to enterprise and have an impact, so that the refund wind assessed based on company information Danger value inaccuracy；In the embodiment of the present invention, assessed by using company information, business entity's information, enterprise's shareholder's informix The value-at-risk of enterprise's refund is obtained, the portrait of enterprise can be made more perfect, refund value-at-risk is more accurate, so as to mention The accuracy of high collection.

By above-mentioned assessment mode, operation system 101 can determine user A₁~user A₃Respectively 3 to collection user.

Step 202, one or more is sent to collection unit 200 to the mark of collection user by operation system 101.

Herein, operation system 101 can be by user A₁~user A₃Mark be sent to collection unit 200.With user A₁For Example, user A₁Mark can refer to user A₁Contact method, or may also mean that user A₁ID card No., or It can also refer to user A₁Contact method add ID card No., be specifically not construed as limiting.

Step 203, collection unit 200 determines one or more to the corresponding collection mode of collection user.

In one possible implementation, presetting database can be set in collection unit 200, if current date is 2019.06.01, then the history before can store 2019.06.01 in presetting database waits for the collection state of collection user； Wherein, collection state may include that history waits for holding for the collection user history collection user that whether collection is successful, collection is failed Promise payback period, stage of history collection user the last time collection failed to collection etc..

Correspondingly, collection unit 200 is in the user A for receiving the transmission of operation system 101₁~user A₃Mark after, can be with Presetting database is inquired, user A is obtained₁~user A₃Collection state.Specifically, with user A₁For, if presetting database It is middle to there is mark and user A₁The matched target user of mark, then the user A stored in available presetting database₁Urge Receipts state；If there is no marks and user A in presetting database₁The matched target user of mark, then available user A₁'s Information (such as by interacting acquisition with operation system 101, or directly accesses small micro- loan loan database), and can be by user A₁It adds in the preset database, user A₁Collection state can for non-collection success.

Further, collection unit 200 can be according to user A₁~user A₃Collection state determine user A₁~user A₃ Corresponding collection mode；Wherein, collection mode may include carry out collection dial greeting, words art, contact information, Pass on mode, mode of repayment consulting, artificial code mode etc. of transferring.For example, if to user A₁It executed collection but did not urged Harvest function, and user A₁Promise to undertake that 2019.06.30 refunds when the last collection is dialed, then user A₁Corresponding collection mode can Think and " dials between 2019.06.01~2019.06.30 without collection, if not refunding also when 2019.06.30, urged Receipts are dialed, and are executed collection according to the mode for breaking promise and in the eyes art and dialed "；If to user A₂Executed collection And user A₂It completes to refund on the day of collection, and user A in presetting database and small micro- loan loan database can be updated₂'s Information, such as can be by user A₂It is deleted from presetting database, and small micro- loan loan database user A can be updated₂History Loan profile and credit information；If not to user A₃It executed collection to dial, then user A₃Corresponding collection mode can be " 2019.06.01 is to user A₃It carries out collection for the first time to dial, and collection is executed according to more mild mode and is dialed ".

In the embodiment of the present invention, determined by the collection state of one or more collection users one or more to collection use The corresponding collection mode in family, may not need manual intervention, automatically derive each to the corresponding collection side of dialing of collection user Formula, so as to improve the efficiency and accuracy of collection；And by decoupling collection method and operation system, can make The collection method stated in design is applied to multiple business system, determines without being directed to single operation system to collection user Corresponding collection mode, so that the application range of collection method is more extensive.

The corresponding hardware realization process of step 203 is described by taking server cluster system as an example below.

Fig. 3 a is a kind of system architecture schematic diagram of server cluster system provided in an embodiment of the present invention, such as Fig. 3 a institute Show, may include at least one server, such as server 301, server 302,303 and of server in server cluster system Server 304.Wherein, it can connect between any two server at least one server, such as can be by wired Mode realizes connection, or can also realize connection wirelessly, is specifically not construed as limiting.

In specific implementation, collection unit 200 is getting the one or more of the transmission of operation system 101 to collection user After the mark of (such as 500 after collection user), accessible small micro- loan loan database, under in small micro- loan loan database Carry 500 data to collection user.After the completion of downloading, collection unit 200 can compare this 500 numbers to collection user According to the data with the history collection user in presetting database, and can add what is be not present in presetting database to collection user Be added in presetting database, so determine from presetting database to need the target for carrying out collection wait for collection user (such as 1000).Further, collection unit 200 can wait for 100 targets that the data of collection user carry out fragment, obtain multiple Subtask, for example divide and obtain 5 subtasks, it include that 300 targets wait for the data of collection user, second in first subtask Include the data that 200 targets wait for collection user in a subtask, includes that 100 targets wait for collection user in third subtask Data, include the data that 200 targets wait for collection user in the 4th subtask, include 200 mesh in the 5th subtask Mark the data to collection user.

Further, after fragment success, the first~the 5th subtask can be sent to server set by collection unit 200 Group's system.It correspondingly, can be according to the first default dispenser if server cluster system receives the first~the 5th subtask Any one server or any number of clothes in 301~server of server 304 are distributed in first~the 5th subtask by system Business device, so that the first~the 5th subtask can be handled by server cluster system.Wherein, the first default distribution mechanism can be with It for the distribution mechanism that those skilled in the art are rule of thumb arranged, or may be the distribution that user is arranged according to the actual situation Mechanism is specifically not construed as limiting.In one example, table 2 is a kind of first default distribution mechanism provided in an embodiment of the present invention Schematic table.

A kind of table 2: signal of first default distribution mechanism

The data volume (M) of subtask	Destination server
		(0,50]	Server 301
(50,120]	Server 301, server 303
		(120,200]	Server 302, server 303
(200,500]	Server 302, server 303, server 304
		(500,700]	301~server of server 304

As shown in table 2, may include in the first default distribution mechanism subtask data volume it is corresponding with destination server Relationship, however, it is determined that the data volume of a certain subtask be less than or equal to 50M, then the subtask can be distributed to server 301 into Row processing；If it is determined that the data volume of a certain subtask is greater than 50M and is less than or equal to 120M, then the subtask can be distributed to Server 301 and server 303 are handled；If it is determined that the data volume of a certain subtask is greater than 120M and is less than or equal to The subtask then can be distributed to server 302 and server 303 is handled by 200M；If it is determined that the number of a certain subtask It is greater than 200M according to amount and is less than or equal to 500M, then the subtask can be distributed to server 302, server 303 and service Device 304 is handled；If it is determined that the data volume of a certain subtask is greater than 500M and is less than or equal to 700M, then the son can be appointed Business is distributed to 301~server of server 304 and is handled.Correspondingly, if destination server include it is multiple, can be multiple After destination server completes the processing of respective subtask, the processing knot of the corresponding subtask of multiple destination servers is obtained Fruit, merging obtain the processing result of the corresponding subtask of server cluster system.

Further, by taking server 301 handles the first subtask as an example, if handling the first subtask in server 301 In the process, due to server 301 breaks down and it is processed to cause the first subtask that can not continue, at this point it is possible to according to second Any one or any number of services in 302~server of server 304 are distributed in first subtask by default distribution mechanism Device.Wherein, the distribution mechanism that the second default distribution mechanism can be rule of thumb arranged for those skilled in the art, or can also be with For the distribution mechanism that user is arranged according to the actual situation, specifically it is not construed as limiting.In the embodiment of the present invention, the second default distribution mechanism Implementation procedure can be realized that details are not described herein again according to the implementation procedure of the first distribution mechanism.

It should be noted that the first default distribution mechanism and the second default distribution mechanism that Fig. 3 a is illustrated can be and pass through It is artificial to realize distribution, for example, if server cluster system receives the first subtask~the 5th subtask processing request, Then the first subtask~the 5th subtask can be distributed to by corresponding destination server by artificial mode.

Fig. 3 b is the system architecture schematic diagram of another server cluster system provided in an embodiment of the present invention, such as Fig. 3 b institute Show, may include at least one server (server 305, server anticipated out as shown in Figure 3b in server cluster system 306, server 307 and server 308) and manage at least one server central server 310.Wherein, central server 310 can connect with each server at least one server, to realize the communication with each server.

It, can be by first if task is successfully divided into the first~the 5th subtask by collection unit 200 in specific implementation ~the five subtask is sent to central server 310.Correspondingly, default distribution mechanism has been can store in central server 310 (such as the first default distribution mechanism and second default distribution mechanism), in one example, central server 310 can be by having Line mode (such as cable, optical fiber) is connect with 305~server of server 308, if in this way, central server 310 receives The processing of one~the 5th subtask is requested, then can be determined according to the data volume of the first~the 5th subtask and default distribution mechanism The corresponding destination server in first~the 5th subtask；For example if it is determined that the corresponding destination server in the first subtask is clothes Business device 305, then the first subtask can be sent to server 305 by cable or optical fiber by central server 310, and can be led to It crosses cable or optical fiber receives server 305 and handles the processing result that the first subtask obtains.Correspondingly, if central server 310 It detects that server 305 breaks down during handling the first subtask, then can be determined and be taken according to default distribution mechanism It is engaged in the corresponding standby server of device 305 (such as server 306 and server 307), then central server 310 can be by server 305 the first currently processed subtasks are sent to server 306 and server 307.In another example, central server 310 can connect with 305~server of server 308 in (such as microwave communication, satellite communication) wirelessly, in this way, in First subtask can be transferred to server 305 by sending the signal of predeterminated frequency by central server 310, and can receive clothes The signal of the predeterminated frequency for the processing result including the first subtask that business device 305 is sent.

In the embodiment of the present invention, by taking server 305 executes the process of the first subtask as an example, server 305 can be determined Whether current date is technical dates (such as festivals or holidays, weekend), if current date is technical dates, illustrates that 300 targets wait for Collection user is resting, in this way, server 305 can be set 300 targets wait for collection user collection mode be " without Collection "；Correspondingly, if current date is not technical dates, illustrate that 300 targets wait for that collection user works normally, in this way, service 300 targets that device 305 can be set wait for that the collection mode of collection user is " carrying out collection ".Different collections is set by the date Mode can more meet the needs of user, improve the experience of user.

In the embodiment of the present invention, determining that target, can also be according to collection state pair after the collection mode of collection user Collection mode is verified.Still by taking server 305 executes the process of the first subtask as an example, in specific implementation, server 305 can To wait for whether collection user makes a promise in history collection is dialed by 300 targets of preset data library inquiry, if a certain mesh Mark is made a promise in history collection is dialed to collection user, then the available target waits for the repayment date that collection user promises to undertake Phase, and the target can be updated and wait for that the collection mode of collection user is " to dial within the default date of refunding without collection, pre- If the date of refunding carries out breaking promise and talking about art severe collection when reaching and not refunding dialing "；If a certain target waits for collection User does not make a promise in history collection is dialed, and its collection state is " history collection does not hear keyword when dialing ", then The target can be updated and wait for that the collection mode of collection user is " carrying out collection to dial "；If a certain target waits for collection user in history Collection is not made a promise in dialing, and its collection state is " history collection has heard keyword when dialing ", then can update this Target waits for that the collection mode of collection user is " no longer carrying out collection in a short time to dial ".

It should be noted that target waits for that the collection state of collection user is to send according to operator 300 to collection unit 200 Target wait for collection user collection result determine, which is described in step 206~step 208, herein no longer It repeats.

By the treatment process in Fig. 3 a or Fig. 3 b, if one or more servers in server cluster system are set respectively Set the collection mode that 1000 targets wait for collection user, it is possible to further by this 1000 targets wait for collection user into Row merges, and obtains collection inventory；It wherein, may include that 1000 targets wait for the corresponding contact method of collection user in collection inventory With collection mode.

Step 204, one or more is sent to operation to the corresponding collection mode of collection user by collection unit 200 Quotient.

In one possible implementation, one or more can be divided into collection user by collection unit 200 One type waits for that collection user and Second Type wait for collection user；Wherein, the first kind waits for that the value-at-risk of collection user can be greater than Second Type waits for the value-at-risk of collection user, and value-at-risk herein can be value-at-risk described in step 201.For example, collection Unit 200 1000 targets can be waited for the target collection user of refund value-at-risk in collection user more than or equal to 0.5 as The first kind waits for collection user, and 1000 targets can be waited for target collection of the refund value-at-risk less than 0.5 in collection user User waits for collection user as Second Type；In this way, the first kind waits for that the refund value-at-risk of collection user is higher, emphasis is needed to close Note, Second Type wait for that the refund value-at-risk of collection user is lower, can relatively rarely put concern.

Further, the first kind can be waited for that the information of collection user is sent to the first operator by collection unit 200, and Second Type being waited for, the information of collection user is sent to the second operator.Wherein, the first operator can be connection operation Quotient, the second operator can be telecom operators；Since connection operator is can be with to the collection phone dialed to collection user It is shown as local number, in this way, by the way that the higher Second Type of risk is waited for that collection user distributes to connection operator, so that wind Danger is higher to collection user to there is greatly possibility can answer the phone of connection operator, so that collection information turns It is higher up to rate, improve the collection effect that collection is carried out to high risk user.

In the embodiment of the present invention, by urging the different operators different to collection user setting of risk class Receive, can make aweather danger it is higher to collection user and risk it is lower to collection user carry out collection can obtain preferably Collection effect.

In one example, collection unit 200 can be in the form of a file by user A₁~user A₃Corresponding collection Mode is sent to collection unit 200.In this way, wait for that collection user may be more when collection user since first time is determining, thus Cause it is a fairly large number of occupy more data volume to the corresponding collection mode of collection user, therefore, by using the side of file Formula will be sent to operator to the corresponding collection mode of collection user, can save bandwidth, reduce system resource.

In one possible implementation, a default bridge can be set between collection unit 200 and operator 300 The message that collection unit 200 is sent can be converted to the message class that operator 300 can parse by structure, the default bridge structure Type.Correspondingly, the message transmitting party formula that can store is preset in bridge structure, message cancels mode, newly-increased message mode, inquiry report Literary mode and reception message mode；In this way, if after default bridge class result receives message, however, it is determined that the message is to be sent to connection The message can be then converted to the type of message that connection operator can parse by the message of operator, however, it is determined that the message is It is sent to the message of telecom operators, then the message can be converted to the type of message that telecom operators can parse

In the embodiment of the present invention, bridge structure is preset by being arranged, the conversion to different type of messages may be implemented, so as to To decouple message and operator, realizes the purpose for sending different types of message to different operators, improve the flexible of collection Property.

Step 205, operator 300 carries out collection to collection user to one or more.

In specific implementation, operator 300 is receiving 1000 targets after the contact method of collection user, can be preparatory Carry out fault-tolerant processing；For example, 1000 targets are directed to and wait for that the either objective in collection user waits for collection user, operator 300 may determine that the target waits for whether the contact method of collection user is correct, for example whether contact method be spacing, shut down For a long time, whether number is not congruent.If it is determined that target waits for that the contact method of collection user is correct, then it can wait for the target that collection is used Family carries out collection and dials；If it is determined that target waits for that the contact method of collection user is incorrect, then the target can be waited for collection user The information of contact method mistake be sent to collection unit 200, or the target can also be inquired from other data sources and wait urging Receive the correct contact method of user.

Operator 300 to target wait for collection user carry out the mode dialed of collection can there are many, in one example, fortune Battalion quotient 300 can be after the completion of collection user's fault-tolerant processing, successively waiting for collection user to 1000 targets to 1000 targets Collection is executed to dial；In another example, operator 300 can wait for that collection user's fault-tolerant processing is completed to some target Afterwards, i.e., collection user, which executes collection and dials, to be waited for the target；In other examples, operator 300 can also be using others Mode waits for that collection user carries out collection and dials to target, is specifically not construed as limiting.

In one possible implementation, operator 300 to target wait for collection user carry out collection dial dial rail Mark may include the first~the 8th stage, and the first~the 8th stage can determine respectively for dialing phase, greeting stage, contact person Stage, credit information convey stage, confirmation stage of refunding, promise to undertake the refund stage, understand mode of repayment stage, the artificial code rank of switching Section.Wherein, if dialing into first stage~phase III, corresponding target waits for that collection user does not hear key message, if dialing To fourth stage~the 8th stage, then corresponds to target and wait for that collection user has heard key message.

Wait for that target, collection user T is carried out for collection dials by operator 300, in specific implementation, operator 300 can be with It records and collection user, which carries out the collection track that collection is dialed, to be waited for target, if dialing access failure than collection, then target waits for collection This time collection track of user T can be 0；If only dialing into either phase (such as the second-order in first~phase III Section), then illustrate that target waits for that collection user does not hear key message also, target waits for that this time collection track of collection user T can be Second stage；If dialing into the either phase (such as the 6th stage) in the 4th~the 8th stage, illustrate that target waits for that collection is used Family, which is promised to undertake, refunds, and target waits for that this time collection track of collection user T can be to make a promise.

Step 206, operator 300 is sent to collection unit 200 to the collection result of collection user for first.

In specific implementation, target can be waited for that the collection result of collection user is sent by real-time mode by operator 300 To collection unit 200, i.e., collection user's collection, which is completed, to be waited for a target every time, then the target can be waited for urging for collection user It receives result and is sent to collection unit 200.

In the embodiment of the present invention, by obtaining one or more collections to collection user in real time as a result, one can be determined It is a or multiple to the corresponding collection state of collection user, i.e., it is achieved to collection user progress collection to one or more at present Effect (such as successfully pass on collection information, the payback period had confirmed that collection user, not received calls to collection user, to Collection user hangs up the telephone), so as to determine subsequent hold to the corresponding collection state of collection user according to one or more Row is which kind of collection process；That is, the embodiment of the present invention is by the collection of real-time reception operator as a result, can quickly plan Subsequent collection mode, so as to improve the efficiency of collection.

By taking target waits for collection user T as an example, operator 300 target can be waited for collection user T this collection track hair Give collection unit 200, it can the stage dialed into during dialing this collection is sent to collection unit 200.

Step 207, collection unit 200 is according to first collection result the first urging to collection user of update to collection user Receipts state.

In specific implementation, the target that collection unit 200 can receive the transmission of operator 300 waits for the collection rail of collection user T Mark, if access failure is dialed in collection, target in presetting database can be waited for the collection state of collection user T by collection unit 200 It is updated to " a newest collection is dialed not successfully "；If the stage that collection is dialed is the either phase in first~phase III, Then target in presetting database can be waited for that the collection state of collection user T is updated to " newest a collection group by collection unit 200 It beats target and waits for that collection user T does not hear key message "；If the stage that collection is dialed is the either phase in the 4th~the 8th stage (such as the 6th stage), then target in presetting database can be waited for that the collection state of collection user T is updated to by collection unit 200 " a newest collection dials target and waits for that collection user T has promised to undertake refund ".

Further, collection unit 200 can update presetting database according to history collection track and this collection track History can be received in track and this collection track in one example and dial the stage most by the optimal collection track of middle storage Successively collection track rearward is as optimal collection track.For example, the stage of dialing of history collection track is the first stage, and this The stage of dialing of secondary collection track was the 6th stage, and most having track can be this collection track, and target waits for collection user T Collection state can be updated to " target waits for that collection user T has promised to undertake refund in optimal collection track ".

Step 208, according to first to collection user collection state determine whether to first to collection user carry out it is secondary Collection.

In the embodiment of the present invention, the collection state of collection user T can be waited for according to target, it is determined whether collection is waited for target User T carries out secondary collection；If it is determined that waiting for that collection user T carries out secondary collection to target, then it can wait for that collection is used according to target The collection result of family T determines that target waits for the corresponding secondary collection mode of collection user T, and can execute step 209a, however, it is determined that Collection user T, which without secondary collection, then can execute step 209b, to be waited for target.

For example, if target waits for that the state that the corresponding collection of collection user T is dialed is " access failure always is dialed in collection ", It can then wait for target that collection user T is dialed once again；If the state that target waits for that the corresponding collection of collection user T is dialed is " collection, which is dialed, in optimal collection track has been turned on, but optimal track of dialing relates only to dialing phase, greeting stage, contact person Determine any multinomial in the stage ", then illustrate that target waits for that collection user T does not hear key message also, then target can be waited urging User T is received to be dialed again；If target waits for that the state that the corresponding collection of collection user T is dialed is " to urge in optimal collection track Receipts, which are dialed, to be had been turned on, and optimal track of dialing is related to fourth stage~the 8th stage ", then illustrate that target has waited for collection user T Uppick key message then may not need and wait for that collection user T is dialed again to target.

In one example, if if target waits for that the state that the corresponding collection of collection user T is dialed is " in optimal collection track Collection, which is dialed, to be had been turned on, and optimal track of dialing was related to for the 6th stage ", then going back for collection user T promise can be waited in target Do not wait for that collection user's T collection is dialed to target in the money date；Target wait for collection user T promise to undertake the refund date close on (such as Interval two days), if target waits for collection user, T has refunded, and may not need to target and waits for that collection user's T collection is dialed, if target It does not refund to collection user T, then can wait for that collection user's T collection is dialed to target, and the mode that collection is dialed can be " holding It promises to undertake, mildly talk about art "；In target after the refund date that collection user T is promised to undertake reaches, if target waits for collection user, T has refunded, It then may not need to target and wait for that collection user's T collection is dialed, T does not refund if target waits for collection user, can wait urging to target It receives user T collection to dial, and the mode that collection is dialed can be " break promise, sternly talk about art " etc..

Step 209a is sent to operator 300 to the corresponding secondary collection mode of collection user for first.

If it is determined that waiting for that collection user T carries out collection and dials to target, then collection unit 200 can be sent to operator 300 Target waits for the corresponding secondary collection mode of collection user T.Correspondingly, operator 300 can wait for that collection user T is corresponding according to target Secondary collection mode wait for that collection user carries out secondary collection to target.

Correspondingly, operator 300 to target after collection user T carries out secondary collection, can be by secondary collection fructufy When be sent to collection unit 200；Collection unit 200 can update target in presetting database according to secondary collection result and wait for collection The corresponding collection state of user T, and can wait for that the corresponding collection state of collection user T determines whether to wait urging to target according to target It receives user T and carries out collection three times；If desired collection user T, which carries out collection three times, to be waited for target, then collection unit 200 can execute Step 209a, if collection unit 200 can execute step 209b without waiting for that collection user T carries out collection three times to target.

In the embodiment of the present invention, determines whether to treat collection user by using the collection state of first time collection and execute the Secondary collection can promise to undertake that treating collection user when refunding carries out harassing and wrecking row caused by secondary collection to avoid when collection user To improve the experience to collection user；It, can be to collection and by monitoring the payback period promised to undertake to collection user in real time User carries out collection to collection user in time when breaking promise, so as to avoid the escape behavior to collection user, improves The efficiency of collection.

Step 209b is sent to operation system 101 to the collection result of collection user for first.

In one example, when collection unit 200 determine to target wait for collection user collection result have reached it is best Desired effect (for example target waits for that collection user T refunds according to committed time limit) when, target can be waited urging by collection unit 200 The collection result for receiving user T is sent to operation system 101, so that target in small micro- loan database is waited urging by operation system 101 The loan status for receiving user T is updated to " refund ".In another example, when the determination of collection unit 200 waits for collection to target The collection result of user has reached the worst desired effect, and (for example target waits for that collection user T is repeatedly promised to undertake and refunds, but always not It refunds；Or target does not answer collection phone more times when collection user T) when, target can be waited for collection user by collection unit 200 The collection result of T is sent to operation system 101, so that operation system 101 waits for that collection user T is carried out to target otherwise Collection is dialed.

Correspondingly, operation system 101 can also wait for that the collection result of collection user T updates small micro- loan loan number according to target Wait for the credit information of collection user T according to target in library, for example, can more fresh target wait for commitment period of collection user T nearest 12 phase Number, corresponding dials stage etc. each issue at the issue for breaking promise.In this way, the small of real-time update can be used in operation system 101 Data in micro- loan loan database are determined to collection user, to guarantee the real-time and accuracy of collection.

Step 210, by first to collection user collection result store into block chain, and pass through the first operation system 101 and operator 300 know together.

In one possible implementation, collection unit 200 can also be urged to 1000 target collection users After receipts, 1000 target collection user corresponding history collection tracks and best collection track are stored in block chain.Specifically Ground is said, can control collection unit 200, operation system 101 and operator 300 in advance and block chain is added, and in collection unit 200, after operation system 101 and operator 300 are known as the node in block chain, 1000 targets are used by collection unit 200 Collection user corresponding history collection track and best collection track generate Transaction Information, and send transaction information to block chain In public network on.In this way, operation system 101 and operator 300 can obtain Transaction Information from public network, and can be with Authenticate the Transaction Information it is correct after, sign to the Transaction Information, thus if collection unit 200, operation system 101 and fortune Battalion quotient 300 reaches common understanding to Transaction Information, then the Transaction Information can store in block chain.

In the embodiment of the present invention, by the way that at least one operation system and the one or more of operator's signature are used to collection The collection result at family is stored in block chain, and legal and trusted collection data can be stored by block chain, so as to Collection data are obtained by block chain in subsequent need, avoid escaping the behavior refunded to collection user and/or are offered a loan The illegal activities of side, while protecting the interests to collection user and the side of offering a loan.

In the above embodiment of the present invention, the collection list of at least one operation system transmission, the collection list are received In include one or more marks to collection user；Further, from presetting database obtain with it is one or more of To the matched one or more of collection states to collection user of mark of collection user, and according to one or more of The collection state of collection user determine it is one or more of to the corresponding collection mode of collection user, and then to operator Send it is one or more of to the corresponding collection mode of collection user so that the operator according to it is one or more of to The corresponding collection mode of collection user carries out collection to collection user to one or more of；Wherein, one or more of It is used to indicate to the corresponding collection mode of collection user to one or more of modes for carrying out collection to collection user.This hair In bright embodiment, determined by the collection state of one or more collection users one or more corresponding to collection user Collection mode, may not need manual intervention, automatically derive it is each dial mode to the corresponding collection of collection user, so as to mention The efficiency and accuracy of high collection；And by decoupling collection method and operation system, can make in the embodiment of the present invention Collection method is applied to multiple business system, determines without being directed to single operation system to the corresponding collection of collection user Mode, so that the application range of collection method is more extensive.

For above method process, the embodiment of the present invention also provides a kind of processing unit based on distributed batch processing, The particular content of the device is referred to above method implementation.

Fig. 4 is a kind of collection device provided in an embodiment of the present invention, which includes:

Transceiver module 401 includes for receiving the collection list of at least one operation system transmission, in the collection list Mark of the one or more to collection user；

Module 402 is obtained, for obtaining and one or more of marks to collection user from presetting database The one or more of collection states to collection user matched；

Processing module 403, it is one or more for being determined according to the collection state of one or more of collection users It is a to the corresponding collection mode of collection user；It is one or more of to be used to indicate to the corresponding collection mode of collection user To one or more of modes for carrying out collection to collection user；

The transceiver module 401 is also used to send to operator one or more of to the corresponding collection of collection user Mode, by make the operator according to it is one or more of to the corresponding collection of collection user in a manner of to one or more of Collection is carried out to collection user.

Optionally, the transceiver module 401 is also used to: receiving the one or more of to collection of operator's transmission The collection of user according in one or more of collection results update presetting databases to collection user as a result, and deposit One or more of collection states to collection user of storage；

The processing module 403 is also used to: being directed to one or more of first in collection user and is used to collection Family determines whether to carry out secondary collection to collection user to described first according to described first to the collection state of collection user； If it is determined that carrying out secondary collection to collection user to described first, then according to the described first collection result determination to collection user Described first to the corresponding secondary collection mode of collection user, and sends described first to collection user corresponding two to operator Secondary collection mode, by make the operator according to described first to the corresponding secondary collection of collection user in a manner of to described first to Collection user carries out secondary collection.

Optionally, the processing module 403 is specifically used for:

Described first when the collection state of collection user is to promise to undertake to refund in the default time limit, if described first to collection User does not refund on time within the default time limit, it is determined that carries out secondary collection to collection user to described first；If described First refunds within the default time limit on time to collection user, it is determined that does not carry out secondary urge to collection user to described first It receives.

Optionally, the transceiver module 401 is specifically used for:

By it is one or more of to collection user be divided into the first kind wait for collection user and Second Type wait for collection use Family, the first kind wait for that the value-at-risk of collection user is greater than the value-at-risk that the Second Type waits for collection user；

The first kind is waited for that the information of collection user is sent to the first operator, and the Second Type is waited for into collection The information of user is sent to the second operator.

Optionally, the processing module 403 is also used to:

It is urged to collection user by one or more of operation systems and the operator one or more of It receives result to sign, and one or more of collection results to collection user after signature is stored on block chain.

Optionally, it is one or more of to collection user be from one or more of operation systems transaction at least It is obtained in one user according to the information sifting of at least one user；

If the user is enterprise, the information of the user includes following any one or any multinomial:

That controls interest fixed legal person in people's row information of business entity, enterprise borrows refund information, enterprise to borrow refund information, institute State the industrial and commercial information in basis of enterprise.

It can be seen from the above: in the above embodiment of the present invention, receiving urging at least one operation system transmission List is received, includes one or more marks to collection user in the collection list；Further, it is obtained from presetting database Take with one or more of matched one or more of collection states to collection user of mark to collection user, and It is determined and one or more of is urged to collection user is corresponding according to the collection state of one or more of collection users Debit's formula, so it is one or more of to the corresponding collection mode of collection user to operator's transmission, so that the operator Collection is carried out to collection user to one or more of to the corresponding collection mode of collection user according to one or more of； Wherein, one or more of to be used to indicate to one or more of to the corresponding collection mode of collection user to collection user Carry out the mode of collection.In the embodiment of the present invention, determined by the collection state of one or more collection users one or more To the corresponding collection mode of collection user, manual intervention may not need, automatically derive and each urge to collection user is corresponding Receipts dial mode, so as to improve the efficiency and accuracy of collection；It, can and by decoupling collection method and operation system So that the collection method in the embodiment of the present invention is applied to multiple business system, the operation system without being directed to single is true Determine to the corresponding collection mode of collection user, so that the application range of collection method is more extensive.

Based on the same inventive concept, the embodiment of the invention also provides a kind of computer readable storage mediums, including instruct, When run on a computer, so that computer is executed as Fig. 2 or Fig. 2 is described in any item based on distributed batch processing system The processing method of system.

Based on the same inventive concept, the embodiment of the invention also provides a kind of computer program products, when it is in computer When upper operation, so that computer executes such as the described in any item processing sides based on distributed batch processing system Fig. 2 or Fig. 2 Method.

Based on the same technical idea, the embodiment of the invention provides a kind of terminal devices, as shown in figure 5, including at least One processor 1101, and the memory 1102 connecting at least one processor do not limit processing in the embodiment of the present invention Specific connection medium between device 1101 and memory 1102 passes through bus between processor 1101 and memory 1102 in Fig. 5 For connection.Bus can be divided into address bus, data/address bus, control bus etc..

In embodiments of the present invention, memory 1102 is stored with the instruction that can be executed by least one processor 1101, until The instruction that a few processor 1101 is stored by executing memory 1102 can execute included in collection method above-mentioned Step.

Wherein, processor 1101 is the control centre of terminal device, can use various interfaces and connection terminal is set Standby various pieces are stored in memory 1102 by running or executing the instruction being stored in memory 1102 and calling Data, to realize data processing.Optionally, processor 1101 may include one or more processing units, processor 1101 Application processor and modem processor can be integrated, wherein the main processing operation system of application processor, user interface and answer With program etc., modem processor mainly handles the instruction that operation maintenance personnel issues.It is understood that above-mentioned modulatedemodulate is mediated Reason device can not also be integrated into processor 1101.In some embodiments, processor 1101 and memory 1102 can be same It is realized on one chip, in some embodiments, they can also be realized respectively on independent chip.

Processor 1101 can be general processor, such as central processing unit (CPU), digital signal processor, dedicated collection At circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array or other Perhaps transistor logic, discrete hardware components may be implemented or execute the present invention in fact for programmable logic device, discrete gate Apply each method, step disclosed in example and logic diagram.General processor can be microprocessor or any conventional processing Device etc..The step of method in conjunction with disclosed in the embodiment of collection method, can be embodied directly in hardware processor and execute completion, Or in processor hardware and software module combination execute completion.

Memory 1102 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey Sequence, non-volatile computer executable program and module.Memory 1102 may include the storage medium of at least one type, It such as may include flash memory, hard disk, multimedia card, card-type memory, random access storage device (Random Access Memory, RAM), static random-access memory (Static Random Access Memory, SRAM), may be programmed read-only deposit Reservoir (Programmable Read Only Memory, PROM), read-only memory (Read Only Memory, ROM), band Electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), magnetic storage, disk, CD etc..Memory 1102 can be used for carrying or storing have instruction or data The desired program code of structure type and can by any other medium of computer access, but not limited to this.The present invention is real Applying the memory 1102 in example can also be circuit or other devices that arbitrarily can be realized store function, for storing program Instruction and/or data.

Based on the same technical idea, the embodiment of the invention provides a kind of rear end equipments, as shown in fig. 6, including at least One processor 1201, and the memory 1202 connecting at least one processor do not limit processing in the embodiment of the present invention Specific connection medium between device 1201 and memory 1202 passes through bus between processor 1201 and memory 1202 in Fig. 6 For connection.Bus can be divided into address bus, data/address bus, control bus etc..

In embodiments of the present invention, memory 1202 is stored with the instruction that can be executed by least one processor 1201, until The instruction that a few processor 1201 is stored by executing memory 1202 can execute included in collection method above-mentioned Step.

Wherein, processor 1201 is the control centre of rear end equipment, can use various interfaces and connection rear end is set Standby various pieces are stored in memory 1202 by running or executing the instruction being stored in memory 1202 and calling Data, to realize data processing.Optionally, processor 1201 may include one or more processing units, processor 1201 Application processor and modem processor can be integrated, wherein the main processing operation system of application processor, application program etc., Modem processor mainly parse and parse the result received to the instruction received.It is understood that It is that above-mentioned modem processor can not also be integrated into processor 1201.In some embodiments, it processor 1201 and deposits Reservoir 1202 can realize that in some embodiments, they can also be realized respectively on independent chip on the same chip.

Processor 1201 can be general processor, such as central processing unit (CPU), digital signal processor, dedicated collection At circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array or other Perhaps transistor logic, discrete hardware components may be implemented or execute the present invention in fact for programmable logic device, discrete gate Apply each method, step disclosed in example and logic diagram.General processor can be microprocessor or any conventional processing Device etc..Hardware processor can be embodied directly in conjunction with the step of collection method and executes completion, or with the hardware in processor And software module combination executes completion.

Memory 1202 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey Sequence, non-volatile computer executable program and module.Memory 1202 may include the storage medium of at least one type, It such as may include flash memory, hard disk, multimedia card, card-type memory, random access storage device (Random Access Memory, RAM), static random-access memory (Static Random Access Memory, SRAM), may be programmed read-only deposit Reservoir (Programmable Read Only Memory, PROM), read-only memory (Read Only Memory, ROM), band Electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), magnetic storage, disk, CD etc..Memory 1202 can be used for carrying or storing have instruction or data The desired program code of structure type and can by any other medium of computer access, but not limited to this.The present invention is real Applying the memory 1202 in example can also be circuit or other devices that arbitrarily can be realized store function, for storing program Instruction and/or data.

It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the present invention Form.It is deposited moreover, the present invention can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as It selects embodiment and falls into all change and modification of the scope of the invention.

Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies Within, then the present invention is also intended to include these modifications and variations.

Claims

1. a kind of collection method, which is characterized in that the described method includes:

The collection list of at least one operation system transmission is received, includes one or more in the collection list to collection user Mark；

From presetting database obtain with one or more of marks to collection user it is matched it is one or more of to The collection state of collection user, and according to the collection state of one or more of collection users determine it is one or more of to The corresponding collection mode of collection user；It is one or more of to be used to indicate to the corresponding collection mode of collection user to institute State one or more modes that collection is carried out to collection user；

It is one or more of to the corresponding collection mode of collection user to operator's transmission, so that the operator is according to described One or more carries out collection to collection user to one or more of to the corresponding collection mode of collection user.

2. the method according to claim 1, wherein the method also includes:

One or more of collections to collection user of operator's transmission are received as a result, and according to one or more A collection result to collection user updates one or more of the urging to collection user stored in the presetting database Receipts state；

One or more of first in collection user are directed to collection user, according to described first to collection user's Collection state determines whether to carry out secondary collection to collection user to described first；If it is determined that described first to collection user into The secondary collection of row then determines that described first is corresponding secondary to collection user to the collection result of collection user according to described first Collection mode, and described first is sent to the corresponding secondary collection mode of collection user, so that the operator presses to operator Secondary collection is carried out to collection user to described first to the corresponding secondary collection mode of collection user according to described first.

3. according to the method described in claim 2, it is characterized in that, described according to the described first collection state to collection user Determine whether to carry out secondary collection to collection user to described first, comprising:

Described first when the collection state of collection user is to promise to undertake to refund in the default time limit, if described first to collection user It does not refund on time within the default time limit, it is determined that carry out secondary collection to collection user to described first；If described first It refunds on time within the default time limit to collection user, it is determined that do not carry out secondary collection to collection user to described first.

4. the method according to claim 1, wherein described one or more of to collection to operator's transmission The corresponding collection mode of user, comprising:

By one or more of the first kind is divided into collection user waits for that collection user and Second Type wait for collection user, institute It states the first kind and waits for that the value-at-risk of collection user is greater than the value-at-risk that the Second Type waits for collection user；

The first kind is waited for that the information of collection user is sent to the first operator, and the Second Type is waited for into collection user Information be sent to the second operator.

5. method according to any one of claim 2 to 4, which is characterized in that the method also includes:

By one or more of operation systems and the operator to one or more of collection knots to collection user Fruit is signed, and one or more of collection results to collection user after signature are stored on block chain.

6. method according to claim 1 to 4, which is characterized in that one or more of to collection user For the information sieve from least one user to trade with one or more of operation systems according at least one user What choosing obtained；

That controls interest fixed legal person in people's row information of business entity, enterprise borrows refund information, enterprise to borrow refund information, the enterprise The industrial and commercial information in the basis of industry.

7. a kind of collection system, which is characterized in that the collection system includes at least one operation system, with it is described at least one The collection unit of operation system connection and operator；

At least one described operation system, for respectively from at least one described operation system have transaction relationship at least one Determine that one or more is sent to collection to collection user, and by one or more of marks to collection user in a user Device；

The collection unit, the one or more marks to collection user sent for receiving at least one described operation system Know, and is determined and one or more of respectively corresponded to collection user according to the collection state of one or more of collection users Collection mode；It is one or more of to be used to indicate to one or more of to the corresponding collection mode of collection user wait urge Receive the mode that user carries out collection；And it is sent to operator one or more of to the corresponding collection mode of collection user；

The operator, for according to it is one or more of to the corresponding collection mode of collection user to one or more of Collection is carried out to collection user.

8. system according to claim 7, which is characterized in that the operator is also used to: according to first to collection user Corresponding collection mode to described first after collection user carry out collection after, by described first to collection user collection result send out Give collection unit；

The collection unit is also used to: receive that the operator sends described first to collection user collection as a result, simultaneously root Store in the presetting database described first is updated to collection user's to the collection result of collection user according to described first Collection state；If it is determined that carrying out secondary collection to collection user to described first, then according to the described first urging to collection user It receives result and determines that described first sends described first to collection use to the corresponding secondary collection mode of collection user, and to operator The corresponding secondary collection mode in family；

The operator is also used to: according to described first to the corresponding secondary collection mode of collection user to described first to collection User carries out secondary collection.

9. a kind of collection device, which is characterized in that described device includes:

Transceiver module, include for receiving the collection list of at least one operation system transmission, in the collection list one or Multiple marks to collection user；

Module is obtained, it is matched described with one or more of marks to collection user for being obtained from presetting database Collection state of the one or more to collection user；

Processing module, it is one or more of to collection for being determined according to the collection state of one or more of collection users The corresponding collection mode of user；It is one or more of to be used to indicate to the corresponding collection mode of collection user to described one A or multiple modes that collection is carried out to collection user；

The transceiver module, be also used to send to operator it is one or more of to the corresponding collection mode of collection user, with Make the operator according to it is one or more of to the corresponding collection mode of collection user to one or more of to collection User carries out collection.

10. device according to claim 9, which is characterized in that the transceiver module is also used to: receiving operator's hair The one or more of collections to collection user sent are as a result, and according to one or more of collection knots to collection user Fruit updates the one or more of collection states to collection user stored in the presetting database；

The processing module is also used to: it is directed to one or more of first in collection user to collection user, according to Described first determines whether to carry out secondary collection to collection user to described first to the collection state of collection user；If it is determined that right Described first carries out secondary collection to collection user, then determines described first to the collection result of collection user according to described first Described first is sent to the corresponding secondary collection side of collection user to the corresponding secondary collection mode of collection user, and to operator Formula, by make the operator according to described first to the corresponding secondary collection of collection user in a manner of to described first to collection user Carry out secondary collection.

11. device according to claim 10, which is characterized in that the processing module is specifically used for:

12. device according to claim 9, which is characterized in that the transceiver module is specifically used for:

13. device according to any one of claims 10 to 12, which is characterized in that the processing module is also used to:

14. the device according to any one of claim 9 to 12, which is characterized in that one or more of to be used to collection Family is from least one user to trade with one or more of operation systems according to the information of at least one user What screening obtained；

15. a kind of computer readable storage medium, which is characterized in that including instruction, when it runs on the processor of computer When, so that the processor of computer executes such as method as claimed in any one of claims 1 to 6.

16. a kind of computer program product, which is characterized in that when run on a computer, so that computer is executed as weighed Benefit requires 1 to 6 described in any item methods.