CN110378575B - Overdue event refund collection method and device and computer readable storage medium - Google Patents
Overdue event refund collection method and device and computer readable storage medium Download PDFInfo
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- CN110378575B CN110378575B CN201910587253.6A CN201910587253A CN110378575B CN 110378575 B CN110378575 B CN 110378575B CN 201910587253 A CN201910587253 A CN 201910587253A CN 110378575 B CN110378575 B CN 110378575B
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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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- G06Q10/06316—Sequencing of tasks or work
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
A overdue event reimbursement urging method and device and a computer readable storage medium are provided, wherein the overdue event reimbursement urging method comprises the following steps: acquiring all telephone numbers related to the borrower in the target overdue event; acquiring historical contact information corresponding to each telephone number of the target overdue event, wherein the historical contact information comprises at least one of the following: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point, the frequency of each telephone number being hasten, the time point of each telephone number being hasten, the connection condition when each telephone number is hasten, and the feedback information when each telephone number is hasten; predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event; and determining the dialing sequence of the phone numbers which are urged to receive the refund based on the call completing rate of each phone number of the target overdue event. By adopting the scheme, the efficiency of refund collection can be improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of information management, in particular to a method and a device for collecting and urging refund of overdue events and a computer-readable storage medium.
Background
In recent years, loan industries such as consumption finance, petty loan, Peer-To-Peer (P2P) network loan and the like are developed, but due To many defects of domestic credit investigation systems, overdue bad account rate is high. In the internet financial industry, compared with a front-end wind control system, the method emphasizes on discriminating the advantages and disadvantages of users, and a rear-end collection urging module emphasizes on optimizing the repayment rate condition of the users after lending. The current collection is mainly to collect the debt money items for the overdue customers in the forms of short messages, calls, visits and the like.
When the user borrows money, the user usually needs to leave the contact information of the user and the contact information of the emergency contact person, once the user is overdue, the receiver can dial a number to remind the user of repayment so as to avoid negative effects caused by overdue. In actual business, each acquirer is assigned a large number of events every day, and the acquirer usually calls all visible contact calls of each event, however, the collection efficiency of the collection of the money is low.
Disclosure of Invention
The embodiment of the invention solves the technical problem of low money return collection efficiency.
To solve the above technical problem, an embodiment of the present invention provides a method for collecting reimbursement due to overdue events, including: acquiring all telephone numbers related to the borrower in the target overdue event; the target overdue event refers to an event of which the overdue duration exceeds a preset first duration; obtaining historical contact information corresponding to each telephone number of the target overdue event, wherein the historical contact information comprises at least one of the following: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hasten received, the time point of each telephone number being hasten received, the connection condition when each telephone number is hasten received, and the feedback information when each telephone number is hasten received; predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event; and determining the dialing sequence of the phone numbers which are urged to receive the refund based on the call completing rate of each phone number of the target overdue event.
Optionally, after predicting the call completing rate of each phone number, the method further includes: and sequencing all the telephone numbers in the target overdue event according to the call completing rate of each telephone number.
Optionally, the call completing rate prediction model is constructed in the following manner: acquiring all telephone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each telephone number; wherein each training sample is an event that is not paid on time on a payment date; acquiring successful receiving urging conditions of overdue events in each training sample; and training to obtain the call completing rate prediction model based on all the telephone numbers related to the borrowers in each training sample, historical contact information corresponding to each telephone number and successful receiving urging conditions in each training sample.
Optionally, the call completing rate prediction model is obtained by adopting any one of the following algorithm training: logistic regression algorithm, decision tree algorithm, gradient lifting tree algorithm.
The embodiment of the invention also provides a device for urging the withdrawal of overdue events, which comprises: the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is suitable for acquiring all telephone numbers related to a borrower in a target overdue event; the target overdue event refers to an event of which the overdue duration exceeds a preset first duration; the second obtaining unit is suitable for obtaining historical contact information corresponding to each telephone number of the target overdue event, and the historical contact information comprises at least one of the following: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hasten received, the time point of each telephone number being hasten received, the connection condition when each telephone number is hasten received, and the feedback information when each telephone number is hasten received; the prediction unit is suitable for predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event; and the determining unit is suitable for determining the dialing sequence of the phone numbers which are urged to receive the refund based on the call completing rate of each phone number of the target overdue event.
Optionally, the overdue event reimbursement and collection urging device further includes: and the sequencing unit is suitable for sequencing all the telephone numbers in the target overdue event according to the call completing rate of each telephone number after the call completing rate of each telephone number is obtained through prediction.
Optionally, the overdue event reimbursement and collection urging device further includes: the model building unit is suitable for obtaining all telephone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each telephone number; wherein each training sample is an event that is not paid on time on a payment date; acquiring successful receiving urging conditions of overdue events in each training sample; and training to obtain the call completing rate prediction model based on all the telephone numbers related to the borrowers in each training sample, historical contact information corresponding to each telephone number and successful receiving urging conditions in each training sample.
Optionally, the model building unit is adapted to build the call completing rate prediction model by using any one of the following algorithms: logistic regression algorithm, decision tree algorithm, gradient lifting tree algorithm.
The embodiment of the invention also provides a device for urging the withdrawal of overdue events, which comprises a memory and a processor, wherein the memory is stored with a computer instruction capable of running on the processor, and the processor executes any one of the methods for urging the withdrawal of overdue events when running the computer instruction.
The embodiment of the invention also provides a computer-readable storage medium, which is a nonvolatile storage medium or a non-transitory storage medium, and on which computer instructions are stored, and when the computer instructions are executed, the method for collecting and receiving the refund of any overdue event is executed.
Compared with the prior art, the technical scheme of the embodiment of the invention has the following beneficial effects:
according to historical contact information of each telephone number corresponding to the target overdue event, a telephone call completing rate prediction model is adopted to predict the call completing rate of each telephone number, the dialing sequence of the telephone numbers which are urged to receive the refund is determined based on the predicted call completing rate of each telephone number corresponding to the target overdue event, compared with the prior art that the call numbers are randomly dialed to urge to receive the refund, the dialing sequence of the telephone numbers is determined according to the call completing rate of the telephone numbers, the efficiency and the call completing rate of the dialed telephone can be improved, the number selection and the dialing time are saved, and therefore the money withdrawal urging efficiency can be effectively improved.
Drawings
FIG. 1 is a flowchart of a method for collecting refund due to overdue events according to an embodiment of the present invention;
FIG. 2 is a flow chart illustrating the training of a call completion rate prediction model in an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a overdue event refund charging device in an embodiment of the present invention.
Detailed Description
As described above, in the current collection of reimbursement, the collector usually dials some phone numbers randomly or dials phone numbers one by one for call reminding for all visible contact phones in each overdue event, and whether each phone number can be connected or not can be known only after one by one trial, so that the collection efficiency is low.
In the embodiment of the invention, according to the historical contact information of each telephone number corresponding to the target overdue event, the call completing rate of each telephone number is predicted by adopting a telephone call completing rate prediction model, the dialing sequence of the telephone numbers which are used for payment collection and are used for collection is determined based on the predicted call completing rate of each telephone number corresponding to the target overdue event, and compared with the prior art that the call numbers are randomly dialed to collect for payment collection, the dialing sequence of the telephone numbers is determined according to the call completing rate of the telephone numbers, the efficiency and the call completing rate of the dialed telephone numbers can be improved, the number selection and the dialing time are saved, and the payment collection efficiency can be effectively improved.
In order to make the aforementioned objects, features and advantages of the embodiments of the present invention more comprehensible, specific embodiments accompanied with figures are described in detail below.
Referring to fig. 1, a flowchart of a method for collecting refund of overdue event in the embodiment of the present invention is shown, which may specifically include the following steps:
and step 11, acquiring all telephone numbers related to the borrower in the target overdue event.
Under the scene of network loan, when the loan applied by the borrower is expired, if the borrower still does not pay the loan for a certain number of days, the loan event is taken as an overdue event and transferred to a collection department of an asset security center of a loan company for collection due. In order to more efficiently collect the debt, the collection department divides the overdue events into front events and back events according to the overdue days of the loan. Currently, events that are more than 60 days past due are often classified as back-end events by the industry.
In the embodiment of the present invention, the target overdue event refers to an event whose overdue duration exceeds a preset first duration. For example, the first period of time is 60 days. It can be understood that the first time period may also be other values according to actual requirements.
In a specific implementation, when a borrower applies for a loan, the borrower usually needs to leave contact information of the borrower, contact information of an emergency contact person and contact information of a guarantor, wherein the contact information may include a contact telephone, a home address and the like. Therefore, when the target overdue event occurs, all the telephone numbers related to the borrower, the emergency contact and the like in the target overdue event can be acquired from the contact information.
And step 12, acquiring historical contact information corresponding to each telephone number of the target overdue event.
In a specific implementation, the historical contact information includes at least one of: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hastened, the time point of each telephone number being hastened, the connection condition when each telephone number is hastened, and the feedback information when each telephone number is hastened. It is understood that the historical contact information may also include other types of information, as desired.
In a specific implementation, each of the historical contact information corresponding to the phone number may be used as a one-dimensional vector, and all the historical information corresponding to the phone number may be combined together to form a multi-dimensional vector as a feature vector corresponding to the phone number.
And step 13, predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event.
In a specific implementation, after the historical contact information corresponding to each phone number of the target overdue event is acquired, the historical contact information corresponding to each phone number of the target overdue event may be input into a call completing rate prediction model, and the call completing rate of each phone number is predicted by using the call completing rate prediction model.
In the embodiment of the present invention, the feature vector corresponding to each phone number may be input into the phone call completing rate prediction model to predict the call completing rate of the phone number.
In the embodiment of the present invention, a call completing rate prediction model may be obtained by training in the following manner, and referring to fig. 2, a training flowchart of the call completing rate prediction model in the embodiment of the present invention is given, which may specifically include the following steps:
and step 21, acquiring all telephone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each telephone number.
In a specific implementation, all training samples in the training sample set are events that are not timely paid beyond the payment day. One or more of the phone number of the borrower, the phone number of the emergency contact person reserved when the borrower makes a loan, the frequency of contact between the phone number of the borrower and the phone number of the emergency contact person, the time point of contact between the phone number of the borrower and the phone number of the emergency contact person, the frequency of collection of each phone number, the time point of collection of each phone number, the connection condition when each phone number is collected, and the feedback information given when each phone number is collected can be obtained from the loan information, the collection record or the call record of the borrower of each event, wherein the feedback information can include: the time of the offer for payment, the time of the next contact agreed upon, etc.
And step 22, acquiring the successful receiving urging condition of the overdue event in each training sample.
In a specific implementation, a presentation period may be set for a overdue event whose overdue duration exceeds a preset first duration, where the presentation period is a second duration from an end point of the first duration. After the overdue event is returned and collected, the payment condition of the overdue event can be monitored within the expression period, namely the successful collection condition. If the overdue event is the payment within the presentation period, the payment is hasten successfully, and if the payment is not the payment within the presentation period, the payment hasten fails. For example, the first period is 60 days from the payment day, and the presentation period is 30 days from 61 days to 90 days.
And step 23, training to obtain the telephone call completing rate prediction model.
In a specific implementation, the telephone number call completing rate prediction model can be obtained through training based on all telephone numbers related to the borrower in each event in the training sample, historical contact information corresponding to each telephone number and successful receiving urging of overdue events in each training sample.
In a specific implementation, any one of the following algorithms may be used to train the phone number call completing rate model: logistic regression algorithm, decision tree algorithm, gradient lifting tree algorithm.
In the embodiment of the invention, a logistic regression algorithm is taken as an example, a telephone call completing rate prediction model is obtained by adopting the following formula (1) for training, and the telephone call completing rate prediction is carried out on a telephone number:
wherein the content of the first and second substances,
the call completing rate of the telephone number is,
is a feature vector for each phone number,
is the weight of the prediction model of the call completing rate obtained by training, b is a constant, n is the dimension of the feature vector of the telephone number, wnIs xnThe corresponding weight.
And step 14, determining the dialing sequence of the phone numbers which are urged to receive the refund based on the call completing rate of each phone number of the target overdue event.
In a specific implementation, after the call-in rate of each phone number of each target overdue event is obtained, the dialing sequence of the phone numbers which are used for refund collection can be determined based on the call-in rate of each phone number of each target overdue event.
For example, the telephone number of the loan person is arranged before the emergency contact person, and when the telephone number corresponding to the emergency contact person is multiple, the telephone numbers of the multiple emergency contact persons are arranged in sequence from high to low according to the call completing rate.
For another example, the telephone number with the highest call completing rate is dialed first, if the telephone number with the highest call completing rate is not connected, the telephone number with the second order of call completing rate is continuously dialed, and so on until the dialed telephone number is connected or all the telephone numbers are dialed.
In the embodiment of the invention, the telephone numbers of the target overdue events can be sorted according to the call completing rate of each telephone number, and the telephone numbers of the target overdue events can be sorted according to the sequence of the call completing rates from high to low; the telephone numbers of each target overdue event may also be sorted in order of low to high call completing rates.
According to the method, the call completing rate of each telephone number is predicted by adopting the call completing rate prediction model according to the historical contact information of each telephone number corresponding to the target overdue event, the dialing sequence of the telephone numbers which are used for payment collection and are urged is determined based on the predicted call completing rate of each telephone number corresponding to the target overdue event, compared with the prior art that the call numbers are randomly dialed to collect payment collection and the dialing sequence of the telephone numbers is determined according to the call completing rate of the telephone numbers, the efficiency and the call completing rate of the dialed telephone can be improved, the number selection and the dialing time are saved, and therefore the payment collection urging efficiency can be effectively improved.
In order to enable those skilled in the art to better understand and implement the embodiment of the present invention, the embodiment of the present invention further provides a device for collecting refund of overdue events.
Referring to fig. 3, a schematic structural diagram of a device for collecting refund of overdue events in the embodiment of the present invention is shown. The overdue event refund charging urging means 30 may include: a first acquisition unit 31, a second acquisition unit 32, a prediction unit 33, and a determination unit 34, wherein:
a first obtaining unit 31 adapted to obtain all phone numbers related to the borrower in the target overdue event; the target overdue event refers to an event of which the overdue duration exceeds a preset first duration;
a second obtaining unit 32, adapted to obtain historical contact information corresponding to each phone number of the target overdue event, where the historical contact information includes at least one of: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hasten received, the time point of each telephone number being hasten received, the connection condition when each telephone number is hasten received, and the feedback information when each telephone number is hasten received;
the prediction unit 33 is adapted to predict the call completing rate of each telephone number based on the historical contact information corresponding to each telephone number of the target overdue event by using a telephone call completing rate prediction model;
a determining unit 34 adapted to determine a dialing order of the phone numbers for the refund solicitation based on the call completing rate of each phone number of the target overdue event.
In a specific implementation, the overdue event reimbursement charging device 30 may further include: the sorting unit 35 is adapted to, after the call completing rate of each phone number is predicted, sort all phone numbers in the target overdue event according to the call completing rate of each phone number.
In a specific implementation, the overdue event reimbursement charging device 30 may further include: a model building unit (not shown in fig. 3) adapted to obtain all phone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each phone number; wherein each training sample is an event that is not paid on time on a payment date; acquiring successful receiving urging conditions of overdue events in each training sample; and training to obtain the call completing rate prediction model based on all the telephone numbers related to the borrowers in each training sample, historical contact information corresponding to each telephone number and successful receiving urging conditions in each training sample.
In a specific implementation, the model construction unit is adapted to employ any one of the following algorithms to construct the telephone call completing rate prediction model, such as a logistic regression algorithm, a decision tree algorithm, and a gradient lifting tree algorithm.
In a specific implementation, the working principle and the working process of the overdue event reimbursement and collection device 30 may refer to the description of the overdue event reimbursement and collection method in any of the above embodiments of the present invention, and are not described herein again.
The embodiment of the invention also provides a device for urging the withdrawal of overdue events, which comprises a memory and a processor, wherein the memory is stored with a computer instruction capable of running on the processor, and the processor executes the steps of the method for urging the withdrawal of overdue events provided by any one of the embodiments of the invention when running the computer instruction.
The embodiment of the present invention further provides a computer-readable storage medium, which is a non-volatile storage medium or a non-transitory storage medium, and on which a computer instruction is stored, where the computer instruction executes the steps of the overdue event reimbursement and collection method provided in any of the above embodiments of the present invention when executed.
It should be noted that, the above-mentioned information related to personal privacy needs to obtain the authorization and permission of the party in advance, and the related operations are performed only under the premise of obtaining the authorization of the party, and the information is used only within the scope of the permission of the party.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in any computer readable storage medium, and the storage medium may include: ROM, RAM, magnetic or optical disks, and the like.
Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (8)
1. A late event reimbursement collection method is characterized by comprising the following steps:
acquiring all telephone numbers related to the borrower in the target overdue event; the target overdue event refers to an event of which the overdue duration exceeds a preset first duration;
obtaining historical contact information corresponding to each telephone number of the target overdue event, wherein the historical contact information comprises at least one of the following: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hasten received, the time point of each telephone number being hasten received, the connection condition when each telephone number is hasten received, and the feedback information when each telephone number is hasten received;
predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event;
determining the dialing sequence of the phone numbers which are urged to receive the refund based on the call completing rate of each phone number of the target overdue event;
the call completing rate prediction model is constructed in the following mode:
acquiring all telephone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each telephone number; wherein each training sample is an event that is not paid on time on a payment date;
acquiring successful receiving urging conditions of overdue events in each training sample;
and training to obtain the call completing rate prediction model based on all the telephone numbers related to the borrowers in each training sample, historical contact information corresponding to each telephone number and successful receiving urging conditions in each training sample.
2. The method of claim 1, further comprising, after predicting the call completing rate of each phone number:
and sequencing all the telephone numbers in the target overdue event according to the call completing rate of each telephone number.
3. The overdue event reimbursement collection method of claim 1, wherein the call completing rate prediction model is obtained by training with any one of the following algorithms:
logistic regression algorithm, decision tree algorithm, gradient lifting tree algorithm.
4. The utility model provides a device is urged to receive in overdue event repayment which characterized in that includes:
the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is suitable for acquiring all telephone numbers related to a borrower in a target overdue event;
the target overdue event refers to an event of which the overdue duration exceeds a preset first duration;
the second obtaining unit is suitable for obtaining historical contact information corresponding to each telephone number of the target overdue event, and the historical contact information comprises at least one of the following: the contact frequency between the telephone number of the borrower and the telephone number of the emergency contact person, the contact time point between the telephone number of the borrower and the telephone number of the emergency contact person, the frequency of each telephone number being hasten received, the time point of each telephone number being hasten received, the connection condition when each telephone number is hasten received, and the feedback information when each telephone number is hasten received;
the prediction unit is suitable for predicting the call completing rate of each telephone number by adopting a telephone call completing rate prediction model based on the historical contact information corresponding to each telephone number of the target overdue event;
the determining unit is suitable for determining the dialing sequence of the phone numbers which are used for chargeback collection based on the call completing rate of each phone number of the target overdue event;
wherein, still include: the model building unit is suitable for obtaining all telephone numbers related to the borrower in each training sample in the training sample set and historical contact information corresponding to each telephone number; wherein each training sample is an event that is not paid on time on a payment date; acquiring successful receiving urging conditions of overdue events in each training sample; and training to obtain the call completing rate prediction model based on all the telephone numbers related to the borrowers in each training sample, historical contact information corresponding to each telephone number and successful receiving urging conditions in each training sample.
5. The overdue event refund collection apparatus according to claim 4, further comprising: and the sequencing unit is suitable for sequencing all the telephone numbers in the target overdue event according to the call completing rate of each telephone number after the call completing rate of each telephone number is obtained through prediction.
6. The overdue event refund collection apparatus according to claim 4, wherein the model construction unit is adapted to construct the call completing rate prediction model by using any one of the following algorithms: logistic regression algorithm, decision tree algorithm, gradient lifting tree algorithm.
7. A device for urging refund of overdue event, comprising a memory and a processor, the memory having stored thereon a computer program operable on the processor, wherein the processor executes the computer program to perform the steps of the method for urging refund of overdue event according to any of claims 1 to 3.
8. A computer-readable storage medium, which is a non-volatile storage medium or a non-transitory storage medium, having a computer program stored thereon, wherein the computer program, when executed by a processor, performs the steps of the method for collect refund of overdue events according to any one of claims 1 to 3.
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