CN111541819A - Harvesting accelerating method and system - Google Patents
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- CN111541819A CN111541819A CN202010316087.9A CN202010316087A CN111541819A CN 111541819 A CN111541819 A CN 111541819A CN 202010316087 A CN202010316087 A CN 202010316087A CN 111541819 A CN111541819 A CN 111541819A
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- H04—ELECTRIC COMMUNICATION TECHNIQUE
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- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
- H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
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Abstract
The embodiment of the invention provides a collection accelerating method and a collection accelerating system, wherein the method comprises the following steps: acquiring user information of a user to be urged; if the user information does not contain the reminding stopping mark, determining the reminding grade of the user to be reminded according to whether the user to be reminded is a high-quality client and the expiration time; extracting bill information and overdue information from the user information, generating voice content corresponding to arrears of the user information, and reading an income prompting voice template corresponding to the current income prompting level from a voice database; and if the current time is judged to belong to the collection urging time, sending a call to the user to be collected for urging collection according to the collection urging voice template. Compared with the prior art, the call collection urging method and the call collection urging system provided by the embodiment of the invention can discriminate client qualification, perform overdue grade division on clients, and give appropriate call collection urging schemes and call collection urging techniques to clients with different grades respectively, thereby really achieving the purpose of bringing convenience to people and greatly enriching the call collection urging modes.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a collection urging method and a collection urging system.
Background
In recent years, loan industries such as consumption finance, small loan, P2P and the like are continuously developed and limited by imperfect credit system, so that overdue bad account rate is high. The common overdue arrears means of urging receipts are all urging receipts to the user through the phone, but traditional phone urging receipts are all with urging receipts staff to set for fixed urging receipts time after, urging receipts time directly to report the same voice of urging receipts that predetermine to the user through the phone, and the content of reporting dies, is difficult to reach effectual effect of urging receipts.
Disclosure of Invention
In order to solve the above problems, embodiments of the present invention provide a collection catalyzing method and system.
In a first aspect, embodiments of the present invention provide a catalytic recovery process, including:
acquiring user information of a user to be urged to receive, wherein the user information comprises a client ID, a credit star level, a credit limit and overdue time;
if the user information does not contain the reminding stopping mark, determining the reminding grade of the user to be reminded according to whether the user to be reminded is a high-quality client and the expiration time;
extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information, and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and if the current time is judged to belong to the collection prompting time, sending a call to the user to be collected for collection according to the collection prompting voice template.
Preferably, the method further comprises the following steps: and adjusting the current collection level of the user to be collected according to the collection result of the telephone, wherein the collection result of the telephone comprises predicted repayment time and overdue reasons.
Preferably, the method further comprises the following steps: and the urging stopping mark is determined according to the daily credit record of the user to be urged, whether a stable income source exists or not and the qualification.
Preferably, the determining the collection level of the user to be collected according to whether the user to be collected is a high-quality client and the expiration time specifically includes:
if the user to be urged to be collected is judged to be a high-quality client, determining the urge collection level of the user to be urged to be collected as a first urge collection level;
if the overdue time of the user to be urged is 7-30 days, determining the urge acceptance grade of the user to be urged as a first urge acceptance grade;
if the overdue time of the user to be urged is 30-60 days, determining the urge income grade of the user to be urged as a second urge income grade;
if the overdue time of the user to be urged is 60-90 days, determining the urge acceptance grade of the user to be urged as a third urge acceptance grade;
and if the overdue time of the user to be urged is more than 90 days, determining the urging grade of the user to be urged as a fourth urging grade.
Preferably, the method further comprises the following steps:
the voice template corresponding to the first hastening level is as follows: the rent of the month is overdue, and the user is required to pay as soon as possible to avoid affecting the credit of the user, so that the user does not pay! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the second urging grade comprises the following steps: the account number is overdue for a first preset numerical day, the amount is a second preset numerical element, the account number is paid as soon as possible, and the account number is paid for nothing! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the third urging level is as follows: if the account is not paid before the first preset time value, the relevant overdue information I/O will report a compulsory credit;
the voice template for urging the user to receive corresponding to the fourth urging level is as follows: on the fourth preset numerical day after the rent of the account is overdue in the month, the amount is not paid by the fifth preset numerical element, the account is required to be settled as soon as possible, if the money is not paid to the account before the second preset time numerical value, the department can follow up the legal responsibility of you, and at the moment, all lawyer fees and executive fees are paid by the customer himself, a repayment notice book is sent out, the customer is required to pay attention to check up, or the reason and the question of the unpaid money of the customer are required to be spoken.
Preferably, the method further comprises the following steps: the voice template of hastening receipts that first hastening receipts grade corresponds is soft for the language gas, the voice template of hastening receipts that the second hastening receipts grade corresponds is very hard for the language gas, the voice template of hastening receipts that the third hastening receipts grade corresponds is very hard and serious for the language gas, the voice template of hastening receipts that the fourth hastening receipts grade corresponds is very hard and serious for the language gas.
In a second aspect, an embodiment of the present invention provides a catalytic recovery system, including:
the system comprises a user information module, a user information acquisition module and a user information management module, wherein the user information module is used for acquiring user information of a user to be urged to be received, and the user information comprises a client ID, a credit star level, a credit limit and overdue time;
the urging grade module is used for determining the urging grade of the user to be urged according to whether the user to be urged is a high-quality client or not and the expiration time if the user information does not contain the urging stopping mark;
the voice template module is used for extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and the telephone collection prompting module is used for sending a telephone collection prompt to the user to be collected according to the collection prompting voice template if the current time is judged to belong to the collection prompting time.
Preferably, the method further comprises the following steps: and the adjusting module is used for adjusting the current collection level of the user to be collected according to the collection result of the telephone, and the collection result of the telephone comprises predicted repayment time and overdue reasons.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
at least one processor, at least one memory, a communication interface, and a bus; wherein the content of the first and second substances,
the processor, the memory and the communication interface complete mutual communication through the bus;
the communication interface is used for information transmission between the test equipment and the communication equipment of the display device;
the memory stores program instructions executable by the processor, and the processor calls the program instructions to execute a collection method provided by the first aspect.
In a fourth aspect, an embodiment of the present invention provides a non-transitory computer-readable storage medium, including: the non-transitory computer readable storage medium stores computer instructions that cause the computer to perform a hastening method provided by the first aspect.
Compared with the prior art, the call collection urging method and the call collection urging system provided by the embodiment of the invention can discriminate client qualification, perform overdue grade division on clients, and give appropriate call collection urging schemes and call collection urging techniques to clients with different grades respectively, really realize the purpose of greatly enriching call collection urging modes due to the convenience of people, and adjust the grade according to voice data returned by the clients so as to use different call collection urging techniques and methods to urge the clients to collect calls and promote the effectiveness of collection. Through the intelligent generation of voice to urging to receive each time and the dynamic adjustment to the urging grade after urging to receive the phone, the urging to receive the phone of the user to be urged is not simple to broadcast according to the fixed template any more, so that the urging to receive the phone is more intelligent.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
FIG. 1 is a flow chart of a catalytic recovery method according to an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a catalyst recovery system according to an embodiment of the present invention;
fig. 3 illustrates a physical structure diagram of an electronic device.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention provides a method and a system for prompting a call to receive, which aim to solve the problem of low intelligent degree of a call prompting mode in the prior art. Fig. 1 is a flowchart of a catalytic recovery method according to an embodiment of the present invention, as shown in fig. 1, the method includes:
s1, acquiring user information of a user to be urged, wherein the user information comprises a client ID, a credit star level, a credit limit and overdue time;
s2, if the user information is judged and known not to contain the urging stopping sign, determining the urging grade of the user to be urged according to whether the user to be urged is a high-quality client or not and the expiration time;
s3, extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information, and reading a collection voice template corresponding to the current collection level from a voice database;
and S4, if the current time is judged to belong to the collection prompting time, sending a call to the user to be collected for prompt collection according to the collection prompting voice template.
The method comprises the steps of obtaining user information of a user to be urged, wherein the user information comprises a client ID, a credit star level, a credit line and overdue time, reading a client level identifier from the user information, wherein the level identifier is preset by related workers, and judging whether the user information contains an urging stopping mark.
The expiration time is calculated based on the payment date and the current time. By calculating the difference between the payment date of the arrears which are not normally paid in the user information and the current time, the overdue time of the user to be urged to be received can be obtained, for example, the payment date is 10 of each month, and the user does not normally pay in 3-10 of 2020. The current time is 3/25 in 2020, and the overdue time is 15 days from 3/25 in 2020 to 3/10 in 2020.
If the user information of the user to be urged does not contain the urging stopping mark, the user to be urged is indicated to be urged, and then the urging grade of the user to be urged is determined according to whether the user to be urged is a high-quality client or not and the expiration time of the user to be urged. If the user to be urged is a high-quality client, the credit of the user to be urged is better, the urging grade of the user to be urged is set to be a smaller value, and the urging strength of the user to be urged is reduced. If the overdue time of the user to be urged is longer, the urging grade of the user to be urged is set to be higher, and the urging grade of the user to be urged is increased.
And then extracting the bill information and overdue information of the user to be urged to receive from the user information, generating arrearage information corresponding to the user information, changing the arrearage information into voice content, and reading out an urge-to-receive voice template corresponding to the current urge-to-receive grade from a voice database.
In the embodiment of the invention, the voice database comprises the voice templates for urging to receive in different urging levels, the corresponding voice templates for urging to receive are selected from the voice database, the different urging levels correspond to the different voice templates for urging to receive, the urging level is high, the corresponding voice template for urging to receive is more severe in voice, the urging level is low, and the corresponding voice template for urging to receive is more light and fast in voice.
And then judging whether the current time belongs to the charge-up time or not, namely comparing the current time with the payment date, if the current time exceeds the payment date, indicating that the current time belongs to the charge-up time, and carrying out telephone charge-up on the user to be charged according to the content in the voice template. And in the calling process, transmitting the receiving voice information to the user to be received to broadcast through the terminal.
Compared with the prior art, the call collection urging method provided by the embodiment of the invention can discriminate client qualification, perform overdue grade division on clients, and give appropriate call collection urging schemes and call collection urging techniques to clients with different grades respectively, thereby really enriching call collection urging modes due to human preference, and simultaneously adjusting the grade according to voice data returned by the clients so as to use different call collection urging techniques and methods to perform call collection urging on the clients to be urged, and the effectiveness of call collection urging. Through the intelligent generation of voice to urging to receive each time and the dynamic adjustment to the urging grade after urging to receive the phone, the urging to receive the phone of the user to be urged is not simple to broadcast according to the fixed template any more, so that the urging to receive the phone is more intelligent.
On the basis of the above embodiment, it is preferable to further include: and adjusting the current collection level of the user to be collected according to the collection result of the telephone, wherein the collection result of the telephone comprises predicted repayment time and overdue reasons.
According to the call collection result, the current collection level of the user to be collected is adjusted, the call collection result comprises the predicted repayment time and the overdue reason, and the predicted repayment time and the overdue reason can be accepted, so that the current collection level of the user to be collected can be reduced, and the collection force of the user to be collected is reduced.
On the basis of the above embodiment, it is preferable to further include: and the urging stopping mark is determined according to the daily credit record of the user to be urged, whether a stable income source exists or not and the qualification.
The urging stopping mark is used for marking whether the customer to be urged is a high-quality customer, whether the customer to be urged is the high-quality customer means that the daily credit record of the customer is good, the company has a stable income source and good qualification, and the high-quality customer needs to have a worker to judge the qualification of the customer in advance.
On the basis of the above embodiment, preferably, the determining the collection level of the user to be collected according to whether the user to be collected is a high-quality client and the expiration time specifically includes:
if the user to be urged to be collected is judged to be a high-quality client, determining the urge collection level of the user to be urged to be collected as a first urge collection level;
if the overdue time of the user to be urged is 7-30 days, determining the urge acceptance grade of the user to be urged as a first urge acceptance grade;
if the overdue time of the user to be urged is 30-60 days, determining the urge income grade of the user to be urged as a second urge income grade;
if the overdue time of the user to be urged is 60-90 days, determining the urge acceptance grade of the user to be urged as a third urge acceptance grade;
and if the overdue time of the user to be urged is more than 90 days, determining the urging grade of the user to be urged as a fourth urging grade.
For the high-quality customers, because the repayment capacity of the high-quality customers is strong and the credit is good, in order to promote the long-term cooperative relationship, the two parties achieve good cooperative intention, so the collection level of the high-quality customers is reduced to the first collection level, and the collection urging force of the high-quality customers is reduced.
For non-high-quality customers, the severity of overdue can be distinguished by using the length of overdue time, and the original collection level is classified, wherein longer overdue time indicates more severe overdue. When the length of the overdue time is divided, a plurality of corresponding preset time length thresholds can be set, and the overdue time and the original income grade are divided by utilizing the preset time length thresholds. 3 preset time length thresholds of 30 days, 60 days and 90 days can be set, users to be collected with overdue time of 30-60 days, 60-90 days and more than 90 days are respectively set as second to fourth collection levels, and only the overdue time is used as a mark for dividing the collection levels currently.
The method and the device sequentially set the income promoting grades according to the overdue severity from light to heavy, namely, the more the overdue severity is light, the more the corresponding income promoting grade is forward, the smaller the income promoting strength is. The collection urging force is from small to large according to the collection urging grade, and the collection urging force is larger after the collection urging grade is more close. The repayment rate of the high-quality client is high, and the high-quality client only needs to be simply informed of overdue behavior, so that the high-quality client is not classified into the collection promotion grades according to the standard of overdue severity degree in consideration of the particularity of the high-quality client, and is directly set as the first collection promotion grade with the top grade, so that the collection promotion strength of the high-quality client is reduced.
On the basis of the above embodiment, it is preferable to further include:
the voice template corresponding to the first hastening level is as follows: the rent of the month is overdue, and the user is required to pay as soon as possible to avoid affecting the credit of the user, so that the user does not pay! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the second urging grade comprises the following steps: the account number is overdue for a first preset numerical day, the amount is a second preset numerical element, the account number is paid as soon as possible, and the account number is paid for nothing! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the third urging level is as follows: if the account is not paid before the first preset time value, the relevant overdue information I/O will report a compulsory credit;
the voice template for urging the user to receive corresponding to the fourth urging level is as follows: on the fourth preset numerical day after the rent of the account is overdue in the month, the amount is not paid by the fifth preset numerical element, the account is required to be settled as soon as possible, if the money is not paid to the account before the second preset time numerical value, the department can follow up the legal responsibility of you, and at the moment, all lawyer fees and executive fees are paid by the customer himself, a repayment notice book is sent out, the customer is required to pay attention to check up, or the reason and the question of the unpaid money of the customer are required to be spoken.
And extracting arrearage information from the user information, generating arrearage information voice corresponding to the arrearage information, reading out collection urging template voice matched with the current collection urging grade from a voice database, and carrying out voice splicing on the arrearage information voice by using the collection urging voice template to obtain collection urging voice data corresponding to the user to be collected.
The debt voice includes but is not limited to the rent of the user to be urged, the amount of the debt and the repayment time limit.
The first stage waits for receiving the voice template: the rent of the month is overdue, and the user is required to pay as soon as possible to avoid affecting the credit of the user, so that the user does not pay! Or please say your reason for unpaid payment and question.
The second stage waits for receiving the voice template: you account number has been paid as soon as possible after the month rent has expired XXX (first preset value) day, amount XXX (second preset value) Yuan, and no reason is paid! Or please say your reason for unpaid payment and question.
Third stage waiting for receiving voice template: if the account has been paid for XXX (third preset value) after the rent is overdue for the month, the amount XXX (fourth preset value) is not paid, and please clear as soon as possible. If the payment is not paid before the date of the year, the relevant overdue information I will report the information of the hospital.
Fourth-level voice template waiting for receiving: if the account has been paid for XXX (the fifth preset value) after the rent is overdue for the month, the amount XXX (the sixth preset value) is not paid, and please clear the account as soon as possible. If you can't pay before please date (second preset time value), you will follow your legal responsibility, at which time all lawyers' fee, execution fee, will be charged by the client himself. The repayment notice is sent out, and please pay attention to check and receive. Or please say your reason for unpaid payment and question.
And in the outgoing call process, matching keywords with the user voice data returned by the user to be urged based on the urge receiving voice data, and adjusting the level adjustment identification according to the result of matching the keywords.
For users to be collected after being overdue to a lesser extent, the ordinary voice prompt for collection can achieve a better collection prompting effect, but for some users to be collected after being overdue severely, especially the above-mentioned users to be collected who are maliciously owing to the style, the ordinary voice prompt for collection is difficult to play a better collection prompting role, and more rigid and serious voice prompts for collection are often needed.
Therefore, in order to enrich the call collection method and improve the call collection effect, different voice schemes are provided
The first stage waits for receiving the voice template: the tone is soft.
The second stage waits for receiving the voice template: the tone of the voice is hard.
Third stage waiting for receiving voice template: the voice is hard and serious.
Fourth-level voice template waiting for receiving: the tone of voice is stiff and severe.
And in the calling process, transmitting the collection prompting voice data to the user terminal of the user to be collected for broadcasting.
Fig. 2 is a schematic structural diagram of a hastening system according to an embodiment of the present invention, where the system includes a user information module 201, a hastening level module 202, a voice template module 203, and a phone hastening module 204, where:
the user information module 201 is used for acquiring user information of a user to be urged to receive, wherein the user information comprises a client ID, a credit star level, a credit line and overdue time;
the collection level module 202 is configured to determine a collection level of the user to be collected according to whether the user to be collected is a high-quality client and the expiration time if it is determined that the user information does not include a collection stop flag;
the voice template module 203 is configured to extract bill information and overdue information from the user information, generate voice content corresponding to the arrearage information, and read out a call-in voice template corresponding to the current call-in level from a voice database;
the phone call collection module 204 is configured to send a phone call collection to the user to be collected according to the collection voice template if it is determined that the current time belongs to the collection time.
Preferably, the method further comprises the following steps:
and the adjusting module is used for adjusting the current collection level of the user to be collected according to the collection result of the telephone, and the collection result of the telephone comprises predicted repayment time and overdue reasons.
The present embodiment is a system embodiment corresponding to the above method embodiment, and details are referred to the above method embodiment, and the system embodiment is not described herein again.
Fig. 3 illustrates a physical structure diagram of an electronic device, and as shown in fig. 3, the server may include: a processor (processor)310, a communication Interface (communication Interface)320, a memory (memory)330 and a bus 340, wherein the processor 310, the communication Interface 320 and the memory 330 complete communication with each other through the bus 340. The communication interface 340 may be used for information transmission between the server and the smart tv. The processor 310 may call logic instructions in the memory 330 to perform the following method:
acquiring user information of a user to be urged to receive, wherein the user information comprises a client ID, a credit star level, a credit limit and overdue time;
if the user information does not contain the reminding stopping mark, determining the reminding grade of the user to be reminded according to whether the user to be reminded is a high-quality client and the expiration time;
extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information, and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and if the current time is judged to belong to the collection prompting time, sending a call to the user to be collected for collection according to the collection prompting voice template.
In addition, the logic instructions in the memory 330 may be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiments provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the methods provided by the above method embodiments, for example, including: acquiring user information of a user to be urged to receive, wherein the user information comprises a client ID, a credit star level, a credit limit and overdue time;
if the user information does not contain the reminding stopping mark, determining the reminding grade of the user to be reminded according to whether the user to be reminded is a high-quality client and the expiration time;
extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information, and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and if the current time is judged to belong to the collection prompting time, sending a call to the user to be collected for collection according to the collection prompting voice template.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A catalytic recovery process, comprising:
acquiring user information of a user to be urged to receive, wherein the user information comprises a client ID, a credit star level, a credit limit, arrearage information and overdue time;
if the user information does not contain the reminding stopping mark, determining the reminding grade of the user to be reminded according to whether the user to be reminded is a high-quality client and the expiration time;
extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information, and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and if the current time is judged to belong to the collection prompting time, sending a call to the user to be collected for collection according to the collection prompting voice template.
2. The catalytic recovery method of claim 1, further comprising: and adjusting the current collection level of the user to be collected according to the collection result of the telephone, wherein the collection result of the telephone comprises predicted repayment time and overdue reasons.
3. The catalytic recovery method of claim 1, further comprising: and the urging stopping mark is determined according to the daily credit record of the user to be urged, whether a stable income source exists or not and the qualification.
4. The collecting method according to claim 1, wherein the determining the collecting level of the user to be collected according to whether the user to be collected is a good customer and the expiration time specifically comprises:
if the user to be urged to be collected is judged to be a high-quality client, determining the urge collection level of the user to be urged to be collected as a first urge collection level;
if the overdue time of the user to be urged is 7-30 days, determining the urge acceptance grade of the user to be urged as a first urge acceptance grade;
if the overdue time of the user to be urged is 30-60 days, determining the urge income grade of the user to be urged as a second urge income grade;
if the overdue time of the user to be urged is 60-90 days, determining the urge acceptance grade of the user to be urged as a third urge acceptance grade;
and if the overdue time of the user to be urged is more than 90 days, determining the urging grade of the user to be urged as a fourth urging grade.
5. The catalytic recovery method of claim 4, further comprising:
the voice template corresponding to the first hastening level is as follows: the rent of the month is overdue, and the user is required to pay as soon as possible to avoid affecting the credit of the user, so that the user does not pay! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the second urging grade comprises the following steps: the account number is overdue for a first preset numerical day, the amount is a second preset numerical element, the account number is paid as soon as possible, and the account number is paid for nothing! Or please say your reason and question for unpaid payment;
the voice template for urging the user to receive corresponding to the third urging level is as follows: if the account is not paid before the first preset time value, the relevant overdue information I/O will report a compulsory credit;
the voice template for urging the user to receive corresponding to the fourth urging level is as follows: on the fifth preset numerical day after the rent of the account is overdue, the amount of the account is not paid by the sixth preset numerical element, the account is required to be settled as soon as possible, if the payment is not paid to the account before the second preset time numerical value, the department can inquire about the legal responsibility of you, the fee of all lawyers and the execution fee at that time, the customer can bear the payment, a payment notification book is sent out, the customer is required to pay attention to check up, or the reason and the question of the non-payment of the customer are required to be spoken.
6. The catalytic recovery method of claim 5, further comprising: the voice template of hastening receipts that first hastening receipts grade corresponds is soft for the language gas, the voice template of hastening receipts that the second hastening receipts grade corresponds is very hard for the language gas, the voice template of hastening receipts that the third hastening receipts grade corresponds is very hard and serious for the language gas, the voice template of hastening receipts that the fourth hastening receipts grade corresponds is very hard and serious for the language gas.
7. A catalyst system, comprising:
the system comprises a user information module, a user information acquisition module and a user information management module, wherein the user information module is used for acquiring user information of a user to be urged to be received, and the user information comprises a client ID, a credit star level, a credit limit and overdue time;
the urging grade module is used for determining the urging grade of the user to be urged according to whether the user to be urged is a high-quality client or not and the expiration time if the user information does not contain the urging stopping mark;
the voice template module is used for extracting bill information and overdue information from the user information, generating voice content corresponding to the arrearage information and reading an income prompting voice template corresponding to the current income prompting level from a voice database;
and the telephone collection prompting module is used for sending a telephone collection prompt to the user to be collected according to the collection prompting voice template if the current time is judged to belong to the collection prompting time.
8. The catalyst system of claim 7, further comprising:
and the adjusting module is used for adjusting the current collection level of the user to be collected according to the collection result of the telephone, and the collection result of the telephone comprises predicted repayment time and overdue reasons.
9. An electronic device, comprising:
at least one processor, at least one memory, a communication interface, and a bus; wherein the content of the first and second substances,
the processor, the memory and the communication interface complete mutual communication through the bus;
the communication interface is used for information transmission between the electronic equipment and the communication equipment of the display device;
the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the hastening method of any of claims 1-6.
10. A non-transitory computer-readable storage medium storing computer instructions for causing a computer to perform the method of claim 1 to 6.
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