CN107240013A - The method and apparatus that a kind of credit card collection is refunded - Google Patents
The method and apparatus that a kind of credit card collection is refunded Download PDFInfo
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- CN107240013A CN107240013A CN201710256768.9A CN201710256768A CN107240013A CN 107240013 A CN107240013 A CN 107240013A CN 201710256768 A CN201710256768 A CN 201710256768A CN 107240013 A CN107240013 A CN 107240013A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses the method and apparatus that a kind of credit card collection is refunded, wherein, methods described includes：According to default screening rule, collection client is filtered out from database, and the credit card related information for obtaining the collection client is extracted from the database；According to the credit card related information and predefined strategy execution rule, the distribution of collection queue is carried out to the collection client；According to the distribution of the collection queue, the collection channel of the collection client is selected, and collection execution processing is carried out to collection client with selected collection channel；The feedback result of processing is performed according to the collection, to the collection client of collection failure, rule is strategically turned, turns other collection channels and carry out collection execution processing again.The automatic collection of credit card can be realized, so as to realize the effect saved human cost and improve collection efficiency.
Description
Technical field
The present invention relates to data processing field, more particularly, it is related to method and dress that a kind of credit card collection is refunded
Put.
Background technology
As the fast and stable development of Chinese national economy, government hold consumption to the lasting improvement of environment for card use, resident
Consciousness is significantly increased with consuming capacity, and the credit card industry of China has stepped into the stage of large-scale development.Tentatively realizing
After the target of scale development, domestic credit card industry should towards " Quality Developing " target transition.Future, credit card market
Competition will be around becoming more meticulous running expansion.
In order to be won victory in fierce market competition, I manages it credit card centre while issued volume rapid growth is pursued,
Using maximizing the benefits as target, in the case of human resources input is not increased, strive that fraction defective is effectively controlled.
The mode that current credit card collection is refunded mainly interacts completion by way of artificial adding system is automatically processed
Collection operation.In whole collection flow, there are short message collection, phone collection, letter collection, judicial collection, outer collection etc. of entrusting many
Individual means, the automatic collection of system is to aid in one of means of collection, is caused in whole collection flow, and manual intervention is excessive, consumption
The problem of having taken substantial amounts of manpower and low collection efficiency.
The content of the invention
In view of the drawbacks described above of prior art, embodiment of the present invention provide a kind of method that credit card collection refunds and
Device, can effectively solve the problem that current credit card collection manual intervention is more, and human cost is high and the problem of low collection efficiency.
Specifically, embodiment of the present invention provides a kind of method that credit card collection is refunded, and methods described includes：
According to default screening rule, collection client is filtered out from database, and extracts and obtains from the database
The credit card related information of the collection client；
According to the credit card related information and predefined strategy execution rule, collection team is carried out to the collection client
The distribution of row；
According to the distribution of the collection queue, the collection channel of the collection client is selected, and with selected collection canal
Road carries out collection execution processing to collection client；
The feedback result of processing is performed according to the collection, to the collection client of collection failure, is strategically turned
Rule, turns other collection channels and carries out collection execution processing again.
Correspondingly, embodiment of the present invention additionally provides the device that a kind of credit card collection is refunded, it is characterised in that described
Device includes：
Data screening module, for according to default screening rule, filtering out collection client from database, and from described
The credit card related information for obtaining the collection client is extracted in database；
Policy enforcement module, for according to the credit card related information and predefined strategy execution rule, to described
Collection client carries out the distribution of collection queue；
Channel Selection module, for the distribution according to the collection queue, selects the collection channel of the collection client, and
Collection execution processing is carried out to collection client with selected collection channel；
Feedback processing modules, the feedback result for performing processing according to the collection, the collection to collection failure
Client, strategically turns rule, turns other collection channels and carries out collection execution processing again.
By using embodiment of the present invention, the automatic collection of credit card can be realized, so as to realize saving human cost
With the effect for improving collection efficiency.
Brief description of the drawings
Fig. 1 is the schematic flow sheet for the method refunded according to a kind of credit card collection of embodiment of the present invention；
Fig. 2 is the schematic flow sheet for the method refunded according to a kind of credit card collection of another embodiment of the present invention；
The Organization Chart for the device that Fig. 3 refunds according to a kind of credit card collection of embodiment of the present invention.
Embodiment
Embodiment 1：
Fig. 1 is the schematic flow sheet for the method refunded according to a kind of credit card collection of embodiment of the present invention；Reference picture
1, methods described includes：
Step S1, according to default screening rule, filters out collection client, and taken out from the database from database
Obtain the credit card related information of the collection client；
Step S2, according to the credit card related information and predefined strategy execution rule, enters to the collection client
The distribution of row collection queue；
Step S3, according to the distribution of the collection queue, selects the collection channel of the collection client, and with selected
Collection channel carries out collection execution processing to collection client；
Step S4, the feedback result of processing is performed according to the collection, to the collection client of collection failure, according to plan
Rule is slightly turned, other collection channels is turned and carries out collection execution processing again.
By using embodiment of the present invention, the automatic collection of credit card can be realized, so as to realize saving human cost
With the effect for improving collection efficiency.
Embodiment 2：
Fig. 2 is the schematic flow sheet for the method refunded according to a kind of credit card collection of another embodiment of the present invention；
In another embodiment of the invention, methods described includes：
Step S01, according to default screening rule, filters out collection client from database, and from the database
Extract the credit card related information for obtaining the collection client；Wherein, it is described according to default screening rule, filter out collection visitor
Family includes：Filter out client (the M0 visitors that the overdue client of bill day, last repayment date to next bill day do not pay off minimum amount to pay
Family), refund the not overdue client for reminding client account balance not enough (billing amount in full/minimum) and risk investigation index is yes
Client.
Step S02, according to the credit card related information and predefined strategy execution rule, enters to the collection client
The distribution of row collection queue；Wherein, the credit card related information of the collection client includes：Client's essential information, accounts information,
Credit card information, collection action message, by stages refund information, information and score information.Specifically, customer information：Main bag
Essential information containing client, and the information such as work unit and contact method.Accounts information：Include account number, date of opening an account, account
Age, statement date, nearest 12 months enchashment credit lines, nearest 12 months overdue issues, nearest 12 months consumption repayment amount,
Nearest 12 months enchashment repayment amounts, nearest 12 months refund rates, nearest 12 months consumption remaining sums, more than nearest enchashment in 12 months
Volume, nearest 12 months amount utilization rates, nearest 12 months credit lines, nearest 12 months enchashment interest amounts, nearest 12 months
Consumption interest amount, nearest 12 months account balances, Demand Deposit Accounts remaining sum, nearest 12 months AUM values, exceed within nearest 12 months
The phase amount of money, the by stages repayment date that expires, mark, upper phase bill day, bad accounts mark, bad credit mark, active account mark etc..Credit
Card information：Card number, the corresponding account number of card, type of card etc..
The strategy execution rule includes：The collection queue is set according to client segmentation, risk class.Wherein, client
Classification refers to the division for carrying out major class to client according to different decision variables.It can be divided into：Business card client, I buttons and M buttons client, B
Detain client, it is fraud dispute client, the overdue client of pure annual fee, extra small amount of money client, special client by stages, white list client, general
Client, normal client by stages.Wherein I, B, M detain client, respectively overdue more than 30 days, more than 60 days, the client of more than 90 days.
The decision variable being substantially in customer information, accounts information, credit card information is classified.Risk class, which is set, to be referred to
The risk class of client is determined according to score information and correlated variables.It can be divided into：It is high, high, medium and low, risk remaining sum size with
Grade：>2000 yuan be high grade,>200 yuan for it is high-grade,>100 yuan be middle grade,<=100 yuan are inferior grade.According to visitor
Family classification, risk class etc. set collection queue.Collection queue is used to define each client, specifically what time point what to use at
The channel of sample carries out collection.Such as the 3rd day beginning phone, the 7th day automatic transmission short message sent email etc. on the 10th day automatically.Collection
Queue, is that one kind of collection channel is redefined, and a collection queue may include a variety of collection channels.
Step S03, according to the distribution of the collection queue, selects the collection channel of the collection client, and with selected
Collection channel to collection client carry out collection execution processing；The collection channel includes：Short message collection, wechat collection, mail
Collection, letter collection, self-assisted voice collection and automatic outer call collection.Channel Selection, is set according to different collection queues
Channel performs collection.The collection channel of same client, can be performed parallel.Self-assisted voice collection：After collection strategy execution, automatically
Acquisition needs the customer data of self-assisted voice collection, sends self-assisted voice information.Automatic outer call collection：After collection strategy execution,
Automatic obtain needs the customer data of self-service outgoing call collection, accesses automatic outer call platform.Predictive outbound collection：Outer calling platform is certainly
Dynamic dialing, the idle seating personnel originally set are accessed after putting through, customer information, account information is pointed out in bullet screen mode, goes through
History collection information, put through number and other phones dial result in advance.Artificial preview formula outgoing call collection：Collection person is selected by outer calling platform
Select after case, directly outer dial is done to the phone chosen.
Step S04, the feedback result of processing is performed according to the collection, the collection client failed to collection, according to
Strategy turns rule, turns other collection channels and carries out collection execution processing again.For example：Whether short message sends successfully, automatically
Whether outgoing call connects, and client's refund situation, re-executes strategy, and strategically situation turns different collection canals
Road.
By using embodiment of the present invention, the automatic collection of credit card can be realized, so as to realize saving human cost
With the effect for improving collection efficiency.
Embodiment 3：
The Organization Chart for the device that Fig. 3 refunds according to a kind of credit card collection of embodiment of the present invention.It is described referring to Fig. 3
Device includes：
Data screening module 100, for according to default screening rule, filtering out collection client from database, and from
The credit card related information for obtaining the collection client is extracted in the database；It is wherein, described according to default screening rule,
Filtering out collection client includes：Filter out the overdue client of bill day, last repayment date to next bill day and do not pay off minimum refund
The client (M0 client) of volume, the not overdue client that prompting client account balance of refunding is not enough (billing amount in full/minimum) and wind
The client that danger investigation index is yes.
Policy enforcement module 200, for according to the credit card related information and predefined strategy execution rule, to institute
State the distribution that collection client carries out collection queue；Wherein, the credit card related information of the collection client includes：Client believes substantially
Breath, accounts information, credit card information, collection action message, by stages refund information, information and score information.Specifically, client
Information：Mainly include the information such as the essential information of client, and work unit and contact method.Accounts information：Comprising account number,
Open an account date, aging, statement date, nearest 12 months enchashment credit lines, nearest 12 months overdue issues, disappear within nearest 12 months
Take repayment amount, nearest 12 months enchashment repayment amounts, nearest 12 months refund rates, nearest 12 months consumption remaining sums, nearest 12
Individual month enchashment remaining sum, nearest 12 months amount utilization rates, nearest 12 months credit lines, nearest 12 months enchashment interest amounts,
Nearest 12 months consumption interest amounts, nearest 12 months account balances, Demand Deposit Accounts remaining sum, nearest 12 months AUM values, most
Nearly 12 months overdue amount of money, the by stages repayment date that expires, mark, upper phase bill day, bad accounts mark, bad credit mark, active account
Mark etc..Credit card information：Card number, the corresponding account number of card, type of card etc..
The strategy execution rule includes：The collection queue is set according to client segmentation, risk class.Wherein, client
Classification refers to the division for carrying out major class to client according to different decision variables.It can be divided into：Business card client, I buttons and M buttons client, B
Detain client, it is fraud dispute client, the overdue client of pure annual fee, extra small amount of money client, special client by stages, white list client, general
Client, normal client by stages.Wherein I, B, M detain client, respectively overdue more than 30 days, more than 60 days, the client of more than 90 days.
The decision variable being substantially in customer information, accounts information, credit card information is classified.Risk class, which is set, to be referred to
The risk class of client is determined according to score information and correlated variables.It can be divided into：It is high, high, medium and low, risk remaining sum size with
Grade：>2000 yuan be high grade,>200 yuan for it is high-grade,>100 yuan be middle grade,<=100 yuan are inferior grade.According to visitor
Family classification, risk class etc. set collection queue.Collection queue is used to define each client, specifically what time point what to use at
The channel of sample carries out collection.Such as the 3rd day beginning phone, the 7th day automatic transmission short message sent email etc. on the 10th day automatically.Collection
Queue, is that one kind of collection channel is redefined, and a collection queue may include a variety of collection channels.
Channel Selection module 300, for the distribution according to the collection queue, selects the collection canal of the collection client
Road, and collection execution processing is carried out to collection client with selected collection channel；The collection channel includes：Short message collection,
Wechat collection, mail collection, letter collection, self-assisted voice collection and automatic outer call collection.Channel Selection, is urged according to different
Receive the channel execution collection that queue is set.The collection channel of same client, can be performed parallel.Self-assisted voice collection：Collection plan
After slightly performing, automatic obtain needs the customer data of self-assisted voice collection, sends self-assisted voice information.Automatic outer call collection：Urge
Receive after strategy execution, automatic obtain needs the customer data of self-service outgoing call collection, accesses automatic outer call platform.Predictive outbound is urged
Receive：Outer calling platform auto dialing, accesses the idle seating personnel originally set after putting through, and points out client to believe in bullet screen mode
Breath, account information, history collection information, put through number and other phones dial result in advance.Artificial preview formula outgoing call collection：Collection person
After outgoing call platform selecting case, directly outer dial is done to the phone chosen.
Feedback processing modules 400, the feedback result for performing processing according to the collection, to being urged described in collection failure
Client is received, rule is strategically turned, turns other collection channels and carry out collection execution processing again.For example：Whether short message is sent out
Send successfully, automatic outer call whether connect, and client's refund situation re-executes strategy, strategically situation is turned not
Same collection channel.
By using embodiment of the present invention, the automatic collection of credit card can be realized, so as to realize saving human cost
With the effect for improving collection efficiency.
It should be noted that each embodiment for the device that above-mentioned credit card collection is refunded and the credit card collection are also
The corresponding technology contents of the method for money are completely the same, and in order to avoid repeating, this is not repeated here.
Through the above description of the embodiments, those skilled in the art can be understood that the present invention can be by
The mode of software combination hardware platform is realized.Understood based on such, technical scheme makes tribute to background technology
That offers can be embodied in the form of software product in whole or in part, and the computer software product can be stored in storage and be situated between
In matter, such as ROM/RAM, magnetic disc, CD, including some instructions are to cause a computer equipment (can be individual calculus
Machine, server, or network equipment etc.) perform method described in some parts of each of the invention embodiment or embodiment.
It will be appreciated by those skilled in the art that disclosed above is only embodiments of the present invention, certainly can not
The interest field of the present invention is limited with this, the equivalent variations made according to embodiment of the present invention still belong to the claims in the present invention
The scope covered.
Claims (10)
1. a kind of method that credit card collection is refunded, it is characterised in that methods described includes：
According to default screening rule, collection client is filtered out from database, and extraction obtains described from the database
The credit card related information of collection client；
According to the credit card related information and predefined strategy execution rule, collection queue is carried out to the collection client
Distribution；
According to the distribution of the collection queue, the collection channel of the collection client is selected, and with selected collection channel pair
Collection client carries out collection execution processing；
The feedback result of processing is performed according to the collection, to the collection client of collection failure, rule is strategically turned,
Turn other collection channels and carry out collection execution processing again.
2. the method as described in claim 1, it is characterised in that described according to default screening rule, filters out collection client
Including：
Filter out the overdue client of bill day, last repayment date to next bill day does not pay off the client of minimum amount to pay, refunding carries
The client that the not enough not overdue client of client account balance and the risk investigation index of waking up are yes.
3. method as claimed in claim 2, it is characterised in that the credit card related information of the collection client includes：
Client's essential information, accounts information, credit card information, collection action message, by stages refund information, information and scoring letter
Breath.
4. the method as described in claim 1, it is characterised in that the collection channel includes：
Short message collection, wechat collection, mail collection, letter collection, self-assisted voice collection and automatic outer call collection.
5. the method as described in claim 1, it is characterised in that the strategy execution rule includes：
The collection queue is set according to client segmentation, risk class.
6. the device that a kind of credit card collection is refunded, it is characterised in that described device includes：
Data screening module, for according to default screening rule, filtering out collection client from database, and from the data
The credit card related information for obtaining the collection client is extracted in storehouse；
Policy enforcement module, for according to the credit card related information and predefined strategy execution rule, to the collection
Client carries out the distribution of collection queue；
Channel Selection module, for the distribution according to the collection queue, selects the collection channel of the collection client, and with institute
The collection channel of selection carries out collection execution processing to collection client；
Feedback processing modules, the feedback result for performing processing according to the collection, to the collection client of collection failure,
Rule is strategically turned, other collection channels is turned and carries out collection execution processing again.
7. device as claimed in claim 6, it is characterised in that described according to default screening rule, filters out collection client
Including：
Filter out the overdue client of bill day, last repayment date to next bill day does not pay off the client of minimum amount to pay, refunding carries
The client that the not enough not overdue client of client account balance and the risk investigation index of waking up are yes.
8. device as claimed in claim 7, it is characterised in that the credit card related information of the collection client includes：
Client's essential information, accounts information, credit card information, collection action message, by stages refund information, information and scoring letter
Breath.
9. device as claimed in claim 6, it is characterised in that the collection channel includes：
Short message collection, wechat collection, mail collection, letter collection, self-assisted voice collection and automatic outer call collection.
10. device as claimed in claim 6, it is characterised in that the strategy execution rule includes：
The collection queue is set according to client segmentation, risk class.
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| CN201710256768.9A CN107240013A (en) | 2017-04-19 | 2017-04-19 | The method and apparatus that a kind of credit card collection is refunded |
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| CN201710256768.9A CN107240013A (en) | 2017-04-19 | 2017-04-19 | The method and apparatus that a kind of credit card collection is refunded |
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