KR101422562B1 - Intelligent collection and management system - Google Patents

Abstract

The present invention relates to a system and a method for managing collection such as utility bills, taxes, etc. The present invention comprises an information extracting unit which extracts the personal information and the payment history information of a payer from a database which stores the personal information, the address, the payment record, and the consultant content of the payer; a grouping unit which groups payers depending on each extracted personal information; a weight value setting unit which offers a weight value to each group based on the payment history information of the payer included in each group; a level determining unit which determines the level of the payer based on the payment history information of the payer and the weight value of the group of the payer; and a pay notification unit which determines a payment notification method according to the level of the payer and notifies the payment notification to the payer. The present invention is provided to previously reduce the generation of late payment by using the information or the payment feature of the payer and to offer a convenient and useful payment service.

Description

[0002] Intelligent collection and management system [0003]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a management system and method for collecting utility bills or taxes and the like, and more particularly, to a system and method for collecting and analyzing information related to payment bidders and performing efficient payment notification and collection management.

Various systems or methods for efficiently charging and collecting utility bills and taxes have been developed, and in recent years, systems using the Internet or mobile have been developed.

These systems are designed to efficiently handle bills of lading, receipt and inquiries, and administrative tasks for paying bills.

According to Japanese Patent Application Laid-Open No. 2001-142971 (Patent Document 1), a taxpayer information management system for outputting data for collecting and managing data on taxpayers is proposed. According to Japanese Patent Laid-Open No. 2003-203143 (Patent Document 2) , And a delinquent person management system that executes computer management until a predetermined procedure is performed for a delinquent person who has not paid a payment within the due date.

Korean Patent Laid-Open No. 2007-0096568 discloses a system for executing tax notice and settlement through a messenger function of a mobile phone. According to Korean Patent Laid-Open No. 2009-0002113, a taxpayer And provides a method of providing a bill payment account service.

However, the conventional system or method described above extracts information on delinquents, and prompts the user to pay or conveniently uses the delinquent information. However, since the delinquent person or information of the payer is not fully utilized, the burden or collection Efficiency is expected to be limited.

In addition, the above-mentioned conventional systems or methods deal only with the occurrence of delinquency, and do not mention a method that can reduce delinquency in advance.

Therefore, it is necessary to develop a new system or method that can provide more useful supplementary services as well as reduce delinquency based on more detailed analysis of the information of the payer.

Patent Document 1: JP-A-2001-142971 Patent Document 2: JP 2003-203143 A Patent Document 3: Korean Patent Publication No. 2007-0096568 Patent Document 4: Korean Patent Publication No. 2009-0002113

Disclosure of Invention Technical Problem [8] The present invention is intended to solve the problems in the above-mentioned conventional bills or taxes management system or management method, and it is possible to reduce the occurrence of delinquencies in advance by using the information of the payment person, And the like.

In order to achieve the above object, an intelligent collection management system according to the present invention comprises an information extracting means for extracting personal information of a payment person and payment history information from a database storing personal information, address, payment record, A grouping means for grouping the payer according to the extracted personal information, a weight setting means for assigning a weight to each group based on the payment history information of the payer belonging to each of the grouped groups, , A rating determining means for determining the rating of the payer based on the weight of the group to which the payer belongs, and payment notifying means for determining the payment notification method according to the rating of the payer and notifying the payer of the payment.

The intelligent collection management system of the present invention may further include payment pattern analyzing means for estimating a payment expectation date of the payment person based on the payment history information of the payment person.

The personal information includes information on the gender, age, address, residential type, marital status, property and income status of the payment person, and the payment history information includes payment date, payment means, notification method, delinquency amount, And may include payment status information.

Preferably, the information extracting means extracts information by reading a full text from the database and executing text mining.

It is preferable that the grouping means is grouped based on at least one of sex, age, address, residence type, and marital status.

It is preferable that the weight setting means obtains an average value of at least one of a delinquent amount of a payer, a delinquent days, and a delinquency frequency for each group, and gives a weight based on the obtained average value.

Wherein the rating determining means assigns a basic rating score to the payer according to at least one of a delinquent amount, a number of days in arrears, a delinquency frequency, a reason for delinquency, a status of payment, a status of property, and a status of income and income, To calculate the final grade score of the payer, and determine the grade of the payer.

Wherein said payment notifying means determines at least one notification method of mobile, e-mail, mail and visit notice according to the rating of said payment person, It is desirable to determine the payment notification date based on the expected payment date.

It is preferable that the rating determining means generates an alarm signal when a change occurs in the rating of the payer, and the payment pattern analyzing means preferably generates an alarm signal when the first payment has occurred to the payer.

The information extracting means, the information grouping means, the weight setting means, the rating determining means, the payment pattern analyzing means, and the payment notifying means may be one server having an input / output device.

An intelligent collection management method according to the present invention includes an information extraction step of extracting personal information of a payment person and payment history information from a database storing personal information, address, payment record and consultation contents of the payment person; A grouping step of grouping the payers, a weight setting step of assigning weights to the groups based on the payment history information of the payers belonging to each of the grouped groups, a payment setting step of setting the payment history information of the individual paying person and the weight of the group to which the paying person belongs And a payment notification step of determining a payment notification method according to the rating of the payment person and notifying the payment person of the payment notification method.

The intelligent collection management method according to the present invention may further include a payment pattern analysis step of estimating a payment expectation date of the payment person based on the payment history information of the payment person.

The intelligent collection management system and method according to the present invention have the following advantageous effects.

 First, by analyzing the payment characteristics of the payer and determining the date and notification method of the payment notice, the occurrence of delinquency can be prevented in advance.

Second, by grouping the payer by the personal information of the payer and analyzing the characteristics of payment by group, it is possible to obtain not only the payment characteristics of the payer but also the payment characteristics including the environmental factors. Accordingly, it is possible to design and realize a more efficient payment notification method or a delinquent payment prevention method.

Third, by setting the rating of the payer by using the characteristics of payment by the payer and the characteristics of paying by the group, the reliability of the rating can be improved, and the payer can be managed more easily by using this rating.

Fourth, by estimating the expected payment date of the payer, and notifying the payment, the payment convenience of the payer can be increased and the occurrence of delinquency can be reduced.

Fifth, if there is a change in the grader or payment pattern of the payer, it is possible to promptly alerting and responding promptly, thereby reducing the long-term malpractice delinquency in advance.

1 is a block diagram schematically showing a configuration of an intelligent collection management system according to an embodiment of the present invention;
FIG. 2 is a diagram showing a state in which a rating determined by a rating determination means in a smart collection management system according to an embodiment of the present invention is output to a monitor. FIG.
3 is a flow chart schematically illustrating an intelligent collection management method according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a schematic block diagram of an intelligent collection management system for managing the collection of bills or taxes according to an embodiment of the present invention.

1, a system according to an embodiment of the present invention includes an information extraction unit 10, a grouping unit 20, a weight setting unit 30, a rating determination unit 40, a payment pattern analysis unit 50, And a payment notifying means 60.

The information extracting means 10 extracts the personal information of the payment person and the payment history information. The personal information of the payer and the payment history information are obtained by reading full text from the database 100 in which the personal information of the payer, address, payment record, consultation contents, and the like are stored, and using a text mining technique Information is extracted.

The personal information is information on the gender, age, address, residence type, marital status (married / married), property and income status of the payment person and the payment history information includes payment date, payment means, notification method, delinquent amount, The frequency of delinquency, reasons for delinquency, and the status of payments. Here, the housing type largely means an apartment, a multi-family house, a multi-family house, and the present state of payment means the state of payment such as health insurance premium and national tax.

The information extracting means 10 may collect and extract more accurate information in cooperation with a geographic information system such as a GIS (Geographic Information System). In addition, the extracted personal information and payment history information can be classified and coded to facilitate management.

The personal information extracted by the information extracting means 10 is grouped by the grouping means 20 by the payer. As an example, the grouping means 20 groups the payer by sex, age, address, residential type, and marital status.

Based on the payment history information of the payer who belongs to each group generated by the grouping, the weight setting means 30 gives an appropriate weight value. That is, the delinquent characteristics are analyzed for each group, and a weight is given according to the result.

 For example, it is possible to give a relatively high weight to addressees with a high average value and a relatively low weight to addressees with a low average value by averaging delinquent recipients' delinquencies, delinquent days, and delinquency frequency by grouped address. As another example, in the case of payment history information such as the reason for delinquency of a payer, a relatively high weight is given to a reason for which delinquency is unlikely to be solved, and a relatively low weight can be given for a reason likely to solve delinquency have. For such weighting, the statistical theory of RFM (Recency, Frequency, Monetary) can be applied.

In assigning the weights in this way, not only the individual payment characteristics of the payment person but also the external conditions such as the living environment are used together, so that the possibility of delinquent payment of the payment person can be determined more accurately and precisely.

On the other hand, the rating determination means 40 determines the rating of the payer based on the payment history information of the payer and the weight of the group to which the payer belongs. Specifically, the rating determining means 40 assigns a base rating score to the payer according to the amount of the past due amount, the number of days in arrears, and the repayment frequency from the payment history information, and assigns the weight of each group to which the payer belongs to the base score, The final grade score is calculated. The grade of the payer is determined according to the calculated final grade score.

The level of the payer can be set to an appropriate number as needed. For example, a lower level means a loyal taxpayer and a higher level means a malicious delinquent.

FIG. 2 shows an example of outputting a class determined by the class determining means according to the embodiment of the present invention to a monitor. The configuration and layout of the screen output to the monitor can be appropriately designed in consideration of characteristics such as utility bills and taxes to be paid and the user interface.

The payment pattern analyzing means (50) estimates the expected payment date of the payment person based on the payment history information of the payment person. For example, the average of the payment dates for the past three years can be estimated as the expected payment date, or the expected payment date can be estimated based on the period from payment notice to payment.

When the grade determining means (40) determines the grade of the payee, the payment notifying means (60) determines the payment notifying method according to the grade and notifies the payee. The payment notification means 50 determines the payment notification date or the notification number of times of payment according to the rating of the payment person and notifies by the mobile, e-mail, mail, visit or the like according to the rating of the payment person.

For example, if the payer is a low-grade loyal taxpayer, the payment notice can be delayed and the number of notifications can be reduced, and in the case of a high-ranking malicious delinquent person, the notification of payment can be made quickly and the number of notifications can be increased. In addition, in the case of a malicious indulgent who has a high rank, not only mobile, e-mail, and postal mail but also visit notification can be executed in parallel.

The payment notification means 60 determines the payment notification date based on the estimated payment date estimated by the payment pattern analysis means 50, and notifies the payment person. That is, the payment person can be notified of the payment notice before a predetermined period of time from the expected payment date.

The notification history executed by the payment notification means 60 is sent back to the database 100 and stored as data for extracting the payment history information.

On the other hand, the payment notifying means 60 may collectively notify the groups by the grouping means 20. That is, payment notification can be made to all the payer belonging to each group by the same notification date and the number of times of notification. Such a notice can be very useful because it includes a lot of common paying characteristics in the case of a group such as a street address.

The information extracting means 10, the grouping means 20, the weight setting means 30, the rating determining means 40, the payment pattern analyzing means 50, and the payment notifying means 60 are connected to one The server 200 may be configured to be distributed to a plurality of servers. In this embodiment, one server 200 is used. Such a server always communicates with the database 100 to read out the payer related information of the database 100 continuously updated.

On the other hand, when the grade of the payer is changed, the rating determining means 40 can send an alarm signal to the payment notifying means 60 or the administrator. For example, an alert signal may be generated when the rating of a sincere payer varies from the rating of a malicious detainee. In addition, the payment pattern analyzing means 50 can send an alarm signal to the payment notifying means 60 or the manager when the first payment has arisen to the payment person.

The payment notifying means 60 can automatically execute emergency notification according to the received alarm signal. On the other hand, the administrator can confirm the alarm signal through the output device of the server 200 or the like, and can perform appropriate measures such as sending a detention address and starting the seizure process in accordance with the alarm signal.

Next, an intelligent collection management method for managing collection of utility bills or taxes according to an embodiment of the present invention will be described. FIG. 3 schematically shows a flowchart of the intelligent collection management method of the present invention.

As shown in FIG. 3, the method according to an embodiment of the present invention extracts personal information of a payment person and payment history information from a database storing personal details, address, payment record, and consultation contents of the payment person (step 310 ). The extraction of such information can be achieved by reading the text from the database and executing text mining.

Next, the extracted personal information is grouped by the payer (step 320). Such grouping can be performed by gender, age, address, residential type, or marital status.

Next, based on the payment history information of the payer who belongs to each of the grouped groups, each group is weighted (step 330). That is, the average value of the delinquent amount of the payer, the number of days of delinquency, the frequency of arrears, etc. for each group can be obtained, and a weight can be given based on the average value.

Next, the rating of the payer is determined based on the payment history information of the individual payer and the weight of the group to which the payer belongs (step 340). That is, a basic rating score is given to the payer according to the delinquent amount, the number of days of delinquency, the frequency of arrears, the delinquent reason, the status of payment, the status of property and income and the weight of each group to which the payer belongs is given to the basic score, By calculating the score, the grade can be determined. At this time, if the rating of the payer is changed, an alarm signal may be generated.

Next, based on the payment history information of the payment person, the payment pattern of the payment person is analyzed (step 350). For example, you can estimate the expected payout by calculating the average payment date of the payer. At this time, an alarm signal may be generated when the first payment is made to the payment person.

Next, the payment notification method is determined according to the rating of the payment person, and the payment person is notified (step 360). That is, the date of payment notification or the number of payment notification times is determined according to the rating of the payer, and a notification method such as mobile, e-mail, mail, visit notice is determined according to the rating of the payer, By determining the job, the payment notice can be executed.

The intelligent collection management system and method according to the embodiment of the present invention described above can be usefully applied to various utility bills such as electric power and water tax, and notification and collection of payment of various taxes such as national tax and local tax. In addition to utility bills and taxes, it can be easily applied to payment and collection of various expenses and fees.

While the present invention has been described with reference to the preferred embodiments described above and the accompanying drawings, it is to be understood that the invention may be embodied in different forms without departing from the spirit or scope of the invention. Accordingly, the scope of the present invention is defined by the appended claims, and is not to be construed as limited to the specific embodiments described herein.

100: Database 200: Server
10: information extracting means 20: grouping means
30: weight setting means 40:
50: payment pattern analyzing means 60: payment notification means

Claims (14)

An intelligent collection management system for managing the collection of utility bills or taxes,
Information extracting means for extracting the personal information of the payment person and the payment history information from the database storing the personal details, the address, the payment record, and the consultation contents of the payment person,
Grouping means for grouping the payer according to the extracted personal information,
Weight setting means for assigning weights to the groups based on the payment history information of the payers belonging to each of the grouped groups;
A rating determining means for determining a rating of the payer based on the payment history information of the payer and the weight of the group to which the payer is assigned;
Payment notification means for determining a payment notification method according to the rating of the payment person and notifying the payment person,
And payment pattern analyzing means for estimating the expected payment date of the payment person based on the payment history information of the payment person.
delete The method according to claim 1,
The personal information includes information on the gender, age, address, residence type, marital status, property and income status of the payer,
Wherein the payment history information includes payment date, payment means, notification method, delinquent amount, delinquent days, delinquency frequency, and payment status information.
The method according to claim 1,
Wherein said information extracting means reads out a full text from said database and extracts information by executing text mining.
The method according to claim 1,
Wherein the grouping means groupifies the grouping based on at least one of sex, age, address, residence type, and marital status.
The method according to claim 1,
Wherein the weight setting means obtains an average value of at least one of a delinquent amount of a payment person, a delinquent days, and a delinquency frequency for each group, and assigns a weight value based on the obtained average value.
The method according to claim 1,
Wherein the rating determining means assigns a basic rating score to the payer according to at least one of a delinquent amount, a number of days in arrears, a delinquency frequency, a reason for delinquency, a status of payment, a status of property, and a status of income and income, To calculate a final grade score of the payer to determine the grade of the payer.
delete The method according to claim 1,
The payment notifying means,
Determines the payment notification date or the number of notification of payment according to the rating of the payer,
Determining a notification method of at least one of mobile, e-mail, postal mail, and visit notice according to the rating of the payer;
And the date of payment notification is determined based on the expected date of payment.
The method according to claim 1,
Wherein said rating determining means generates an alarm signal when a change occurs in the rating of the payee.
The method according to claim 1,
Wherein the payment pattern analyzing means generates an alarm signal when the first payment has arisen to the payment person.
The method according to claim 1,
Wherein the information extracting means, the information grouping means, the weight setting means, the rating determining means, the payment pattern analyzing means, and the payment notifying means are constituted by one server having an input / output device. delete delete

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