CN107194807A - The intelligent collection system and method for one kind loan - Google Patents
The intelligent collection system and method for one kind loan Download PDFInfo
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- CN107194807A CN107194807A CN201710513303.7A CN201710513303A CN107194807A CN 107194807 A CN107194807 A CN 107194807A CN 201710513303 A CN201710513303 A CN 201710513303A CN 107194807 A CN107194807 A CN 107194807A
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Abstract
The invention discloses the intelligent collection system and method for one kind loan, the system includes：Loan database, user's credit information is preserved for unified；Overdue data processing centre, for carrying out automatic screening to user's credit information in loan database, obtains overdue loan data, message management center is pushed to after according to condition arranging；Message management center, for analyzing the data from overdue data processing centre, according to analysis result generation loan collection information, the configuration management that channel is turned off or on is pushed by being pushed to automatic collection platform by all kinds of means, and to each；Automatic collection platform, the loan collection information for receiving the push of message management center, and according to the collection for pushing the corresponding mode of Channel Selection and carrying out overdue loan.The present invention realizes the intellectuality and automation of loan collection, has saved human cost, has reduced human error, it is ensured that the stability and high efficiency of loan transaction.
Description
Technical field
The present invention relates to loan transaction field, more particularly to a kind of intelligent collection system and method for loan.
Background technology
Loan refers to creditor（Or lender）To debtor（Or borrower）A kind of banking operation of use of funds of amortizing power；
With the increase of social demand, loan transaction is spread in the life of broad masses of the people gradually, all kinds of finance companies
Engender in the sight of people, the bankroll problem for solution people provides great convenience.
During finance company offers a loan to borrower, to ensure the timely backflow of fund；Generally require pair also
The money date is monitored, and realizes the timely collection of overdue loan；But current refund date monitoring is main manually to count real
It is existing, for overdue credit information, it is also desirable to which finance company staff carries out collection one by one, the time cost of consumption and
Human cost is larger；Particularly some large-scale finance companies, user's loan data is huge, and artificial monitoring is extremely inconvenient.
More importantly easily there is error in artificial monitoring and loan collection, are that corporate client brings bad experience,
Massive losses even are brought to company, are carried out with being unfavorable for loan transaction stability and high efficiency.
The content of the invention
It is an object of the invention to overcome the deficiencies of the prior art and provide the intelligent collection system and method for one kind loan, from
Automatic sieve selects overdue loan data in loan database, and overdue data are analyzed with generation loan collection after coming and is disappeared
Loan collection message is sent to automatic collection platform by breath, reselection channel, and urging for overdue loan is carried out by automatic collection platform
Receive；The intellectuality and automation of loan collection are realized, human cost has been saved, has reduced human error, it is ensured that loan industry
The stability and high efficiency of business.
The purpose of the present invention is achieved through the following technical solutions：The intelligent collection system of one kind loan, including successively
The loan database of connection, overdue data processing centre, message management center and automatic collection platform：
Loan database, user's credit information is preserved for unified；
Overdue data processing centre, for carrying out automatic screening to user's credit information in loan database, obtains overdue borrow
Amount of money evidence, message management center is pushed to after according to condition arranging；Specifically, described overdue data processing centre includes：Automatically
Screening module, for from loan database Automatic sieve select overdue loan data；Data import modul, for that will filter out
Overdue loan data cross text or Excel file is imported and loaded；Data export module, for the overdue of importing
Data are according to condition arranged, and the data that arrangement is obtained are exported in the way of text or Excel forms；Data-pushing
Module, for giving message management center by derived data-pushing.
Message management center, for analyzing the data from overdue data processing centre, gives birth to according to analysis result
Into loan collection information, push what channel was turned off or on by being pushed to automatic collection platform by all kinds of means, and to each
Configuration management；Specifically, described message management center includes：Overdue analysis module, for from overdue Data processing
The loan data of the heart carries out grade analysis, determines collection grade；Collection information generating module, loan is generated for combining collection grade
Art information is talked about in money collection；Collection info push module by all kinds of means, for loan collection to be talked about into art information by being pushed to by all kinds of means
Automatic collection platform, and the configuration management that channel is turned off or on is pushed to each.
Automatic collection platform, the loan collection information for receiving the push of message management center, and selected according to channel is pushed
Select the collection that corresponding mode carries out overdue loan.Specifically, described automatic collection platform includes：Voice collection module, is used
In by way of verbal announcement by collection information be sent to loan user；Mailbox collection module, for by way of mail
Collection information is sent to loan user；Short message collection module, for collection information to be sent into loan by way of short message
User.
Preferably, described intelligence loan collection system also includes collection administrative center, described collection administrative center with
Message management center is connected, the integrated management for realizing loan collection record, collection refund record and collection client.Specifically
Ground, the collection administrative center includes：Collection record management module, for registering collection record, according to condition retrieves collection record,
Or collection record is updated and integrated management；Collection refund management module, for registering collection refund information and independently going back
Money information, integrated management is carried out to refund information, and the credit information of relative users in loan database is carried out after refund
Update；Collection customer management module, for carrying out integrated management to the corresponding loan user of overdue loan data, including to being urged
Customer information is received to safeguard, to being retrieved and to by the facial image displaying of collection client by collection client.
Preferably, described user's credit information includes creditor's name, identification card number, facial image, mailbox, cell-phone number
Code, debit date, borrowing balance and payback period.
A kind of intelligent collection method of loan of the intelligent collection system of described loan, comprises the following steps：
S1. overdue data processing centre carries out automatic screening to user's credit information in loan database, obtains overdue loan
Data, message management center is pushed to after according to condition arranging；
S2. Message Processing center is analyzed overdue loan data, according to analysis result generation loan collection information；Specifically
Ground, described step S2 includes following sub-step：S21. message management center is to the loan number from overdue data processing centre
According to grade analysis is carried out, collection grade is determined；The collection grade is according to the time beyond the date of refunding or the overdue loan amount of money
It is determined that；S22. message management center combines collection grade and corresponding user's credit information generation collection words art；S23. message pipe
Reason center closes loan collection words art information by being pushed to automatic collection platform by all kinds of means, and to each push channel
Or the configuration management opened.
S3. Message Processing center will provide a loan collection information by being pushed to automatic collection platform by all kinds of means, and each is pushed away
Send the configuration management that channel is turned off or on；
S4. automatic collection platform carries out the collection of overdue loan according to the push corresponding mode of Channel Selection.
A kind of intelligent collection method of loan of the intelligent collection system of described loan, in addition to collection management process, it is described
Collection management process includes：Integrated management is carried out to collection record, collection refund and the corresponding loan user of overdue loan data.
The beneficial effects of the invention are as follows：Automatic sieve selects overdue loan data from loan database, to overdue data
Generation loan collection message after coming is analyzed, loan collection message is sent to automatic collection platform by reselection channel, by
Automatic collection platform carries out the collection of overdue loan；The intellectuality and automation of loan collection are realized, human cost has been saved,
Reduce human error, it is ensured that the stability and high efficiency of loan transaction；The present invention can also be to collection record, record of refunding
Integrated management is carried out with by collection client, staff is convenient to and carries out retrieval and inquisition when needed, improve finance company pair
The synthesis management and control ability of credit information.
Brief description of the drawings
Fig. 1 is system principle diagram of the invention；
Fig. 2 is flow chart of the method for the present invention.
Embodiment
Technical scheme is described in further detail below in conjunction with the accompanying drawings, but protection scope of the present invention is not limited to
It is as described below.
As shown in figure 1, a kind of intelligent collection system of loan, including be sequentially connected loan database, overdue data processing
Center, message management center and automatic collection platform：
Loan database, user's credit information is preserved for unified；
Overdue data processing centre, for carrying out automatic screening to user's credit information in loan database, obtains overdue borrow
Amount of money evidence, message management center is pushed to after according to condition arranging；Specifically, described overdue data processing centre includes：Automatically
Screening module, for from loan database Automatic sieve select overdue loan data；Data import modul, for that will filter out
Overdue loan data cross text or Excel file is imported and loaded；Data export module, for the overdue of importing
Data are according to condition arranged, and the data that arrangement is obtained are exported in the way of text or Excel forms；Data-pushing
Module, for giving message management center by derived data-pushing.
In the particular embodiment, according to condition arrangement of the data export module to overdue data has two ways, Yi Zhongshi
According to the time of exceeding the time limit to overdue data sorting；Another size for being the amount of the loan is to overdue data sorting.
Message management center, for analyzing the data from overdue data processing centre, gives birth to according to analysis result
Into loan collection information, push what channel was turned off or on by being pushed to automatic collection platform by all kinds of means, and to each
Configuration management；Specifically, described message management center includes：Overdue analysis module, for from overdue Data processing
The loan data of the heart carries out grade analysis, determines collection grade；Collection information generating module, loan is generated for combining collection grade
Art information is talked about in money collection；Collection info push module by all kinds of means, for loan collection to be talked about into art information by being pushed to by all kinds of means
Automatic collection platform, and the configuration management that channel is turned off or on is pushed to each.
In a particular embodiment, the grade analysis of overdue data can be determined according to the time of exceeding the time limit：Time of exceeding the time limit is longer,
Overdue loan data collection higher grade；It can also be determined according to amount of the loan size：The amount of the loan is bigger, overdue loan data
Collection higher grade.
Automatic collection platform, the loan collection information for receiving the push of message management center, and selected according to channel is pushed
Select the collection that corresponding mode carries out overdue loan.Specifically, described automatic collection platform includes：Voice collection module, is used
In by way of verbal announcement by collection information be sent to loan user；Mailbox collection module, for by way of mail
Collection information is sent to loan user；Short message collection module, for collection information to be sent into loan by way of short message
User.
In embodiments herein, described intelligence loan collection system also includes collection administrative center, and described urges
Receive administrative center to be connected with message management center, for realizing that loan collection record, collection refund record and collection client's is comprehensive
Close management.Specifically, the collection administrative center includes：Collection record management module, for registering collection record, is according to condition examined
Suo Cuishou is recorded, or collection record is updated and integrated management；Collection refund management module, believes for registering collection and refunding
Breath and autonomous refund information, integrated management, and the loan after refund to relative users in loan database are carried out to refund information
Money information is updated；Collection customer management module, for carrying out integrated management to the corresponding loan user of overdue loan data,
Including to being safeguarded by collection customer information, to being retrieved and to by the facial image displaying of collection client by collection client.
Wherein, described user's credit information includes creditor's name, identification card number, facial image, mailbox, cell-phone number
Code, debit date, borrowing balance and payback period, the information are collected when user provides a loan in the way of loan application table；
In the equal typing loan database of credit information of all users.
As shown in Fig. 2 a kind of intelligent collection method of loan of the intelligent collection system of described loan, comprises the following steps：
S1. overdue data processing centre carries out automatic screening to user's credit information in loan database, obtains overdue loan
Data, message management center is pushed to after according to condition arranging；
S2. Message Processing center is analyzed overdue loan data, according to analysis result generation loan collection information；Specifically
Ground, described step S2 includes following sub-step：S21. message management center is to the loan number from overdue data processing centre
According to grade analysis is carried out, collection grade is determined；（Collection grade is true according to the time beyond the date of refunding or the overdue loan amount of money
It is fixed；Exceeding the time limit, the time is longer, and overdue loan data collection higher grade, and the amount of the loan is bigger, and overdue loan data collection grade is got over
It is high）S22. message management center combines collection grade and corresponding user's credit information generation collection words art（Art bag is talked about in the collection
Include by collection people name, debit date, borrowing balance, payback period, and already exceed the number of days of payback period etc.；Collection etc.
Level determines the tone of words art, or determines that the generation frequency of art is talked about in collection）；S23. message management center will loan collection words art letter
Breath pushes the configuration management that channel is turned off or on by being pushed to automatic collection platform by all kinds of means, and to each.
S3. Message Processing center will provide a loan collection information by being pushed to automatic collection platform by all kinds of means, and each is pushed away
Send the configuration management that channel is turned off or on；
S4. automatic collection platform carries out the collection of overdue loan according to the push corresponding mode of Channel Selection.
A kind of intelligent collection method of loan of the intelligent collection system of described loan, in addition to collection management process, it is described
Collection management process includes：Integrated management is carried out to collection record, collection refund and the corresponding loan user of overdue loan data.
During specific collection, according to the push channel of Message Processing center configuration, automatic collection platform at least includes
Three kinds of automatic collection modes below：First, carry out loan collection using voice：Open to voice collection module at Message Processing center
Push channel when, voice collection module by provide a loan collection information changed, generation speech data, be resent to voice gateways
Queue to be sent in, put through the phone number of borrower, speech data be sent automatically to customer phone end by voice gateways,
Voice play function is formed, and then realizes voice collection；Second, loan collection is carried out using mail, Message Processing center is opened
To mailbox collection module push channel when, mailbox collection module by provide a loan collection information be sent automatically to borrow in the form of mail
In the individual mailbox of money people；3rd, loan collection is carried out using short message mode, Message Processing center is opened to short message collection module
Push channel when, the short message collection module collection information that will provide a loan is sent to the phone number of borrower in the form of short message；
, can be according to specific needs in implementation process（Can also be according to collection grade）, selection unlatching is a kind of or opens a variety of push away simultaneously
Channel is sent, the push of loan collection information is carried out.
In embodiments herein, the intelligent collection system deployment of described loan passes through fire prevention in Cloud Server
Wall carries out data filtering, then is externally route by router and to be connected to internet there is provided the intelligent collection service of loan.
To sum up, present invention Automatic sieve from loan database selects overdue loan data, and overdue data are analyzed
Loan collection message is sent to automatic collection platform by generation loan collection message after out, reselection channel, by automatic collection
Platform carries out the collection of overdue loan；The intellectuality and automation of loan collection are realized, human cost has been saved, has reduced people
For error, it is ensured that the stability and high efficiency of loan transaction；In addition, the present invention can also to collection record, refund record and
Integrated management is carried out by collection client, staff is convenient to and carries out retrieval and inquisition when needed, finance company is improved to loan
The synthesis management and control ability of money information.
Claims (10)
1. the intelligent collection system of one kind loan, it is characterised in that：Including loan database, the overdue Data processing being sequentially connected
The heart, message management center and automatic collection platform：
Loan database, user's credit information is preserved for unified；
Overdue data processing centre, for carrying out automatic screening to user's credit information in loan database, obtains overdue borrow
Amount of money evidence, message management center is pushed to after according to condition arranging；
Message management center, for analyzing the data from overdue data processing centre, generates according to analysis result and borrows
Money collection information, the configuration that channel is turned off or on is pushed by being pushed to automatic collection platform by all kinds of means, and to each
Management；
Automatic collection platform, the loan collection information for receiving the push of message management center, and according to push Channel Selection phase
The mode answered carries out the collection of overdue loan.
2. the intelligent collection system of a kind of loan according to claim 1, it is characterised in that：Described intelligence loan collection system
System also includes collection administrative center, and described collection administrative center is connected with message management center, for realizing loan collection note
The integrated management of record, collection refund record and collection client.
3. the intelligent collection system of a kind of loan according to claim 1, it is characterised in that：Described user's credit information bag
Include creditor's name, identification card number, facial image, mailbox, phone number, debit date, borrowing balance and payback period.
4. the intelligent collection system of a kind of loan according to claim 1, it is characterised in that：Described overdue Data processing
Pericardium is included：
Automatic screening module, for from loan database Automatic sieve select overdue loan data；
Data import modul, for the overdue loan filtered out data being crossed into text or Excel file is imported and added
Carry；
Data export module, is according to condition arranged for the overdue data to importing, and will arrange obtained data with text
The mode of file or Excel forms is exported；
Data-pushing module, for giving message management center by derived data-pushing.
5. the intelligent collection system of a kind of loan according to claim 1, it is characterised in that：Pericardium in described message management
Include：
Overdue analysis module, for carrying out grade analysis to the loan data from overdue data processing centre, determines collection etc.
Level；
Collection information generating module, for combining collection grade generation loan collection words art information；
Collection info push module, is put down for loan collection to be talked about into art information by being pushed to automatic collection by all kinds of means by all kinds of means
Platform, and the configuration management that channel is turned off or on is pushed to each.
6. the intelligent collection system of a kind of loan according to claim 1, it is characterised in that：Described automatic collection platform bag
Include：
Voice collection module, for collection information to be sent into loan user by way of verbal announcement；
Mailbox collection module, for collection information to be sent into loan user by way of mail；
Short message collection module, for collection information to be sent into loan user by way of short message.
7. the intelligent collection system of a kind of loan according to claim 2, it is characterised in that：The collection administrative center bag
Include：
Collection record management module, for registering collection record, according to condition retrieves collection record, or collection record is updated
And integrated management；
Collection refund management module, for registering collection refund information and autonomous refund information, integrated pipe is carried out to refund information
Reason, and the credit information of relative users in loan database is updated after refund；
Collection customer management module, for carrying out integrated management to the corresponding loan user of overdue loan data, including to being urged
Customer information is received to safeguard, to being retrieved and to by the facial image displaying of collection client by collection client.
8. a kind of intelligent collection method of loan of the intelligent collection system of loan according to any one in claim 1 ~ 7,
It is characterized in that：Comprise the following steps：
S1. overdue data processing centre carries out automatic screening to user's credit information in loan database, obtains overdue loan
Data, message management center is pushed to after according to condition arranging；
S2. Message Processing center is analyzed overdue loan data, according to analysis result generation loan collection information；
S3. Message Processing center will provide a loan collection information by being pushed to automatic collection platform by all kinds of means, and to each push canal
The configuration management that road is turned off or on；
S4. automatic collection platform carries out the collection of overdue loan according to the push corresponding mode of Channel Selection.
9. a kind of intelligent collection method of loan of intelligent collection system of providing a loan according to claim 8, it is characterised in that：Also
Including collection management process, the collection management process includes：It is corresponding to collection record, collection refund and overdue loan data
The user that provides a loan carries out integrated management.
10. a kind of intelligent collection method of loan of intelligent collection system of providing a loan according to claim 8, it is characterised in that：
Described step S2 includes following sub-step：
S21. message management center carries out grade analysis to the loan data from overdue data processing centre, determines collection etc.
Level；The collection grade is determined according to the time beyond the date of refunding or the overdue loan amount of money；
S22. message management center combines collection grade and corresponding user's credit information generation collection words art；
S23. message management center will provide a loan collection words art information by being pushed to automatic collection platform by all kinds of means, and each is pushed away
Send the configuration management that channel is turned off or on.
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