CN111192136A - Credit service collection method and device, electronic equipment and storage medium - Google Patents
Credit service collection method and device, electronic equipment and storage medium Download PDFInfo
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- CN111192136A CN111192136A CN201911341444.0A CN201911341444A CN111192136A CN 111192136 A CN111192136 A CN 111192136A CN 201911341444 A CN201911341444 A CN 201911341444A CN 111192136 A CN111192136 A CN 111192136A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present application relates to the field of credit technologies, and in particular, to a credit collection method and apparatus, an electronic device, and a storage medium for a credit service. According to the method and the system, the client information of a plurality of overdue clients related to a plurality of credit products is acquired, the repayment willingness score, the repayment ability score and the credit score of each overdue client can be determined based on the client information of the plurality of overdue clients, furthermore, the overdue level of each overdue client can be determined according to the repayment willingness score, the repayment ability score and the credit score of each overdue client, the collection urging strategy corresponding to the overdue level of each overdue client is matched, and collection urging is conducted on each overdue client according to the collection urging strategy corresponding to each overdue client. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
Description
Technical Field
The present application relates to the field of credit technologies, and in particular, to a credit collection method and apparatus, an electronic device, and a storage medium for a credit service.
Background
Currently, for the common credit business in the industry, the collection prompting means usually adopted are manual collection prompting, short message collection prompting and telephone recording collection prompting. The method has the advantages that manual collection is adopted, so that the problems of limited daily bill amount and large labor cost are solved; the short message is adopted for collection, so that the problems of poor response performance, insufficient perception and easiness in neglect of customers exist; the adoption of telephone recording has the problems that the receiving method is easy to be identified by the customer, the customer response performance is poor and the recording cost is too high.
Therefore, how to find an efficient harvesting method is a technical problem to be solved urgently at present.
Disclosure of Invention
In view of this, the embodiments of the present application at least provide a credit transaction collection method, apparatus, electronic device and storage medium, which can improve the credit transaction collection efficiency.
The application mainly comprises the following aspects:
in a first aspect, an embodiment of the present application provides a credit transaction collection method, where the credit transaction collection method includes:
acquiring customer information of a plurality of overdue customers related to a plurality of credit products;
determining a repayment willingness score, a repayment ability score and a credit score of each overdue customer based on the customer information of the plurality of overdue customers;
determining the overdue grade of each overdue client according to the repayment willingness score, the repayment ability score and the credit score of each overdue client;
aiming at each overdue client, matching an income urging strategy corresponding to the overdue level;
and according to the corresponding income hastening strategy of each overdue client, hastening the income of each overdue client.
In one possible embodiment, the determining of the payment willingness score, the payment capability score and the credit score of each overdue customer based on the customer information of the plurality of overdue customers comprises:
inputting the client information of each overdue client into a preset repayment intention model, and outputting a repayment intention score of each overdue client;
inputting the client information of each overdue client into a preset repayment capacity model, and outputting the repayment capacity score of each overdue client;
and inputting the client information of each overdue client into a preset credit model, and outputting the client credit score of each overdue client.
In one possible embodiment, the collection strategy includes a collection frequency and a collection mode; the collection prompting mode comprises a machine collection prompting mode, a manual collection prompting mode, an outsourcing collection prompting mode, a telephone recording collection prompting mode and a short message collection prompting mode; if the collection urging mode is a manual collection urging mode, the collection urging strategy also comprises a collector level.
In a possible implementation manner, the urging to collect for each overdue client according to the collection urging policy corresponding to each overdue client includes:
determining a collection urging sound parameter according to the basic information of each overdue client and a corresponding collection urging strategy; the voice parameters comprise a gender parameter, a dialect parameter, a speech speed parameter, a tone parameter and a tone parameter;
synthesizing humbucks for urging each overdue client to receive according to the urging sound parameters;
and based on the traffic sound and a collection urging template corresponding to each overdue client, urging each overdue client to collect according to a corresponding collection urging strategy.
In a possible implementation manner, the soliciting for each overdue customer according to the corresponding soliciting policy based on the traffic sound and the soliciting template corresponding to each overdue customer includes:
for each overdue client, dialing the telephone of each overdue client, and performing language communication with each overdue client according to the corresponding collection voice and collection template;
acquiring response information of each overdue client in the language exchange process;
and identifying the semantics in the response information, and performing response and tone switching according to the semantics.
In a possible implementation manner, after the charging is performed on each overdue customer according to the charging policy corresponding to each overdue customer, the charging method further includes:
aiming at each overdue client, acquiring the collection effect data of each overdue client after collection; the collection effect data comprises the proportion of the collection amount to the total debt, the collection amount and the repayment frequency;
and adjusting the collection acceleration strategy corresponding to each overdue client according to the collection acceleration effect data of the past times.
In a possible implementation manner, the adjusting the collection urging strategy corresponding to each overdue client according to the historical collection urging effect data includes:
and adjusting parameters of the payment willingness model, the payment capability model and the credit model according to the payment collection prompting effect data.
In one possible embodiment, the catalytic recovery process further comprises:
recording the information of the collection process; the collection urging process information comprises collector urging information, expiration time, end time, collection urging state, collection urging evaluation, collection urging feedback, basic information of overdue clients to be promoted and collection urging mode.
In one possible embodiment, the customer information includes at least one of the following information:
historical collection records, overdue number, repayment information, repayment frequency, credit information, arrears information, loan information, identity information and property information.
In a second aspect, an embodiment of the present application further provides an apparatus for expecting credit services, where the apparatus includes:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring client information of a plurality of overdue clients related to a plurality of credit products;
the first determining module is used for determining a repayment willingness score, a repayment capacity score and a credit score of each overdue client based on the client information of the overdue clients;
the second determining module is used for determining the overdue grade of each overdue client according to the repayment willingness score, the repayment capacity score and the credit score of each overdue client;
the matching module is used for matching the collection urging strategy corresponding to the overdue level for each overdue client;
and the collection urging module is used for urging each overdue client to collect according to the collection urging strategy corresponding to each overdue client.
In one possible embodiment, the first determining module is configured to determine the payment willingness score, the payment capability score and the credit score of each overdue customer according to the following steps:
inputting the client information of each overdue client into a preset repayment intention model, and outputting a repayment intention score of each overdue client;
inputting the client information of each overdue client into a preset repayment capacity model, and outputting the repayment capacity score of each overdue client;
and inputting the client information of each overdue client into a preset credit model, and outputting the client credit score of each overdue client.
In one possible embodiment, the collection strategy includes a collection frequency and a collection mode; the collection prompting mode comprises a machine collection prompting mode, a manual collection prompting mode, an outsourcing collection prompting mode, a telephone recording collection prompting mode and a short message collection prompting mode; if the collection urging mode is a manual collection urging mode, the collection urging strategy also comprises a collector level.
In one possible implementation, the catalyst module includes:
the determining unit is used for determining the voice collection urging parameters according to the basic information of each overdue client and the corresponding collection urging strategy; the voice parameters comprise a gender parameter, a dialect parameter, a speech speed parameter, a tone parameter and a tone parameter;
the synthesis unit is used for synthesizing humbucks for urging each overdue client to receive according to the urge-to-receive sound parameters;
and the collection urging unit is used for urging each overdue client to collect according to a corresponding collection urging strategy based on the traffic sound and the collection urging template corresponding to each overdue client.
In a possible embodiment, the collection urging unit is configured to urge collection for each overdue customer according to the following steps:
for each overdue client, dialing the telephone of each overdue client, and performing language communication with each overdue client according to the corresponding collection voice and collection template;
acquiring response information of each overdue client in the language exchange process;
and identifying the semantics in the response information, and performing response and tone switching according to the semantics.
In one possible embodiment, the catalytic recovery device further comprises:
the second acquisition module is used for acquiring the collection urging effect data of each overdue client after collection urging each overdue client for each overdue client; the collection effect data comprises the proportion of the collection amount to the total debt, the collection amount and the repayment frequency;
and the adjusting module is used for adjusting the collection urging strategy corresponding to each overdue client according to the collection urging effect data of the past times.
In a possible implementation manner, the adjusting module is configured to adjust the revenue acceleration policy corresponding to each overdue customer according to the following steps:
and adjusting parameters of the payment willingness model, the payment capability model and the credit model according to the payment collection prompting effect data.
In one possible embodiment, the catalytic recovery device further comprises:
the recording module is used for recording the information of the collection process; the collection urging process information comprises collector urging information, expiration time, end time, collection urging state, collection urging evaluation, collection urging feedback, basic information of overdue clients to be promoted and collection urging mode.
In one possible embodiment, the customer information includes at least one of the following information:
historical collection records, overdue number, repayment information, repayment frequency, credit information, arrears information, loan information, identity information and property information.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor, a memory and a bus, wherein the memory stores machine-readable instructions executable by the processor, the processor and the memory communicate via the bus when the electronic device is running, and the machine-readable instructions are executed by the processor to perform the steps of the credit transaction collection method according to the first aspect or any one of the possible embodiments of the first aspect.
In a fourth aspect, the present application further provides a computer-readable storage medium, having a computer program stored thereon, where the computer program is executed by a processor to perform the steps of the credit transaction collection method according to the first aspect or any one of the possible embodiments of the first aspect.
In the embodiment of the application, according to the customer information of each overdue customer, the overdue grade of each overdue customer can be determined, the income promoting strategy corresponding to each overdue customer is further matched, and the income promoting strategy corresponding to each overdue customer is used for promoting the income promoting strategy of each overdue customer.
Furthermore, according to the method and the device, through the basic information of each overdue customer and the corresponding collection strategy, the traffic sound for collecting the data of each overdue customer can be synthesized, the sensitivity of interaction of the overdue customers can be improved, and therefore the success rate of collection is improved.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.
FIG. 1 is a flow chart illustrating a credit collection method according to an embodiment of the present application;
FIG. 2 is a flow chart illustrating another credit collection method provided by an embodiment of the application;
FIG. 3 is a functional block diagram of a credit transaction collection apparatus according to an embodiment of the present application;
FIG. 4 illustrates a functional block diagram of the catalyst module of FIG. 3;
FIG. 5 is a second functional block diagram of a credit transaction collection apparatus according to an embodiment of the present application;
fig. 6 shows a schematic structural diagram of an electronic device provided in an embodiment of the present application.
Description of the main element symbols:
in the figure: 300-credit transaction collection device; 310-a first obtaining module; 320-a first determination module; 330-a second determination module; 340-a matching module; 350-an acquisition-urging module; 351-a determination unit; 352-a synthesis unit; 353-a collection unit; 360-a second obtaining module; 370-an adjustment module; 380-a recording module; 600-an electronic device; 610-a processor; 620-memory; 630-bus.
Detailed Description
To make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it should be understood that the drawings in the present application are for illustrative and descriptive purposes only and are not used to limit the scope of protection of the present application. Additionally, it should be understood that the schematic drawings are not necessarily drawn to scale. The flowcharts used in this application illustrate operations implemented according to some embodiments of the present application. It should be understood that the operations of the flow diagrams may be performed out of order, and that steps without logical context may be performed in reverse order or concurrently. One skilled in the art, under the guidance of this application, may add one or more other operations to, or remove one or more operations from, the flowchart.
In addition, the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present application without making any creative effort, shall fall within the protection scope of the present application.
To enable those skilled in the art to utilize the present disclosure, the following embodiments are presented in conjunction with a specific application scenario "post-loan claim for credit service," and it will be apparent to those skilled in the art that the general principles defined herein may be applied to other embodiments and application scenarios without departing from the spirit and scope of the present disclosure.
The method, apparatus, electronic device or computer-readable storage medium described in the embodiments of the present application may be applied to any scenario that requires credit business to be charged, and the embodiments of the present application do not limit the specific application scenario, and any scheme that uses the method, apparatus, electronic device and storage medium for charging credit business provided by the embodiments of the present application is within the scope of protection of the present application.
It is noted that, before the present application is proposed, for the credit business common in the industry, the collection means usually adopted is manual collection, short message collection, and call recording collection. The method has the advantages that manual collection is adopted, so that the problems of limited daily bill amount and large labor cost are solved; the short message is adopted for collection, so that the problems of poor response performance, insufficient perception and easiness in neglect of customers exist; the adoption of telephone recording has the problems that the receiving method is easy to be identified by the customer, the customer response performance is poor and the recording cost is too high.
In view of the above problems, in the embodiment of the present application, client information of multiple overdue clients associated with multiple credit products is acquired, and based on the client information of the multiple overdue clients, a repayment intention score, a repayment capacity score and a credit score of each overdue client can be determined, further, according to the repayment intention score, the repayment capacity score and the credit score of each overdue client, an overdue level of each overdue client can be determined, and an income promoting policy corresponding to the overdue level of each overdue client is matched, and each overdue client is promoted according to an income promoting policy corresponding to each overdue client. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
For the convenience of understanding of the present application, the technical solutions provided in the present application will be described in detail below with reference to specific embodiments.
Fig. 1 is a flowchart of a credit transaction collection method according to an embodiment of the present disclosure. As shown in fig. 1, the credit transaction collection method provided in the embodiment of the present application includes the following steps:
s101: customer information for a plurality of overdue customers associated with a plurality of credit products is obtained.
In particular implementations, customer information is obtained for overdue customers associated with each credit product, where the credit product may provide loan services for the customer.
Further, the customer information includes at least one of the following information: historical collection records, overdue number, repayment information, repayment frequency, credit information, arrears information, loan information, identity information and property information.
In a specific implementation, the historical collection records refer to records generated when collecting overdue clients, wherein each overdue client may be simultaneously associated with a plurality of credit products, and the historical collection records may be collection records generated when collecting overdue clients according to the credit products related to each overdue client; the overdue number is the number of outstanding customers who have not paid for the related credit product, such as overdue one or half a year; the repayment information is a historical repayment record of each overdue client; the repayment frequency is that each overdue client repays the money once every long time; the credit information is personal credit information generated when each overdue client uses each service platform; the debt information is information of the credit products which are not paid by each overdue client and the debt amount; the loan information is information of credit products related to each overdue customer; the identity information of each overdue client comprises the unit information of the client, the job information of the client and the like; the asset information for each overdue customer includes a fixed asset.
S102: determining a willingness to pay score, a ability to pay score, and a credit score for each overdue customer based on the customer information for the plurality of overdue customers.
In a specific implementation, for each overdue client in a plurality of overdue clients, the score of each index of each overdue client is measured according to the client information of each overdue client, and the score of each index comprises a repayment willingness score, a repayment capacity score and a credit score.
Here, the payment willingness score of each overdue client can represent the payment willingness of the overdue client to a certain extent; the repayment capacity score of each overdue client can represent the repayment capacity of the overdue client to a certain extent; the credit score of each overdue client can characterize the credit of the overdue client to a certain extent.
Further, determining a willingness-to-repayment score of each overdue client according to the client information of each overdue client comprises the following steps: and inputting the client information of each overdue client into a preset payment intention model, and outputting the payment intention score of each overdue client.
In specific implementation, historical collection records, overdue amount, payment information and payment frequency in the client information of each overdue client can be input into a pre-trained payment intention model, and the payment intention score of each overdue client is analyzed through the payment intention model.
Further, determining a repayment ability score for each overdue customer based on the customer information for each overdue customer includes: and inputting the client information of each overdue client into a preset repayment capability model, and outputting the repayment capability score of each overdue client.
In specific implementation, the repayment information, the loan information, the identity information and the property information in the client information of each overdue client can be input into a repayment capability model trained in advance, and the repayment capability score of each overdue client is analyzed through the repayment capability model.
Further, determining a credit score for each overdue client based on the client information for each overdue client comprises: and inputting the client information of each overdue client into a preset credit model, and outputting the credit score of each overdue client.
In specific implementation, historical collection records, overdue amount, payment information, payment frequency and credit information in the client information of each overdue client can be input into a credit model trained in advance, and the credit score of each overdue client is analyzed through the credit model.
S103: and determining the overdue grade of each overdue client according to the repayment willingness score, the repayment capacity score and the credit score of each overdue client.
In a specific implementation, for each overdue client in a plurality of overdue clients, the overdue level of each overdue client is determined by comprehensively considering scores of each overdue client on various indexes, wherein the overdue level of each overdue client is determined according to a repayment willingness score, a repayment ability score and a credit score which correspond to each overdue client, specifically, weights can be set for the indexes in advance, so that a first value is obtained by multiplying the repayment willingness score corresponding to each overdue client by the corresponding weight, a second value is obtained by multiplying the repayment ability score by the corresponding weight, a third value is obtained by multiplying the credit score by the corresponding weight, the first value, the second value and the third value are added to obtain a total score, and according to a mapping relation between the total score corresponding to each overdue client and the overdue level, to determine the level of overdue for each overdue client.
Here, a plurality of overdue levels can be preset and can be divided into three levels, namely a high level, a medium level and a low level, and the higher the overdue level is, the lower the probability of active payment of the corresponding overdue client is.
S104: and aiming at each overdue client, matching the collection promotion strategy corresponding to the overdue level.
In specific implementation, after determining the overdue level corresponding to each overdue client, for each overdue client in a plurality of overdue clients, a corresponding charging policy is formulated for each overdue client according to the overdue level corresponding to each overdue client, that is, the charging policies formulated for the overdue clients with different overdue levels are different, wherein the charging policy is a policy how to charge the overdue clients. For example, for overdue customers with higher overdue level, that is, overdue customers with lower active payment probability, an income promoting strategy with high income promoting frequency and higher level income promoting mode can be formulated; and for overdue customers with lower overdue grades, namely overdue customers with higher active payment probability, an income promoting strategy with low income promoting frequency and lower-grade income promoting modes can be formulated.
The overdue clients are classified by classifying the overdue grades, so that the same collection urging strategy is adopted for collecting the overdue clients with the same overdue grade, and the collection urging efficiency can be improved while the collection urging effect is ensured.
S105: and according to the corresponding income hastening strategy of each overdue client, hastening the income of each overdue client.
In a specific implementation, after a corresponding charging policy is made for each overdue client in a plurality of overdue clients, charging is performed on each overdue client according to the charging policy corresponding to each overdue client.
Further, after executing each collection task according to the collection policy, obtaining a collection effect of each collection, and further adjusting the collection policy according to the collection effect to achieve the purpose of collection, that is, after collecting each overdue client according to the collection policy corresponding to each overdue client in step S105, the collection method further includes:
aiming at each overdue client, acquiring the collection effect data of each overdue client after collection; the collection effect data comprises the proportion of the collection amount to the total debt, the collection amount and the repayment frequency; and adjusting the collection acceleration strategy corresponding to each overdue client according to the collection acceleration effect data of the past times.
In specific implementation, the collection urging strategy comprises a collection urging mode and a collection urging frequency, the collection urging frequency is realized at intervals of a preset time length, for each overdue customer, after a collection urging task is executed once, the follow-up behavior of the collection urging customer is recorded to obtain collection urging effect data after collection urging, the collection urging effect data comprises the proportion of collection urging amount to total debt, collection urging amount and repayment frequency, and then the collection urging strategy for the overdue customer is adjusted according to the collection urging effect data obtained each time. For example, the overdue customer makes a payment quickly after being charged once, which indicates that the charging effect is good, can continue to charge according to the charging strategy, and can reduce the charging frequency, thereby improving the dynamic and flexible charging and better achieving the purpose of charging.
Furthermore, according to the data of the effect of the collection of the past, the collection urging strategy corresponding to each overdue client is adjusted, and the method comprises the following steps: and adjusting parameters of the payment willingness model, the payment capability model and the credit model according to the payment collection prompting effect data.
In specific implementation, the collection urging effect data after collection urging is carried out on a large number of overdue clients is acquired, and then parameters of each model are optimized according to the collection urging effect data, wherein the models comprise a money willingness model, a repayment capacity model and a credit model, so that the accuracy of the models is improved.
According to the method and the system, the collection urging strategy corresponding to each overdue client can be dynamically adjusted, and the collection urging effect can be improved.
Further, in each time of hastening, a hastening process is recorded, specifically, hastening process information is recorded, and the hastening process information comprises hastener information, expiration time, end time, hastening state, hastening evaluation, hastening feedback, basic information of overdue customers to be hastened and hastening mode.
In specific implementation, the information of the collection process is recorded, so that follow-up inquiry and collection of collection effect data can be facilitated.
In the embodiment of the application, the repayment intention score, repayment capacity score and credit score of each overdue customer can be determined by obtaining the customer information of a plurality of overdue customers related to a plurality of credit products and based on the customer information of the plurality of overdue customers, furthermore, the overdue grade of each overdue customer can be determined according to the repayment intention score, repayment capacity score and credit score of each overdue customer, further, the collection policy corresponding to the overdue grade of each overdue customer is matched, and collection is performed on each overdue customer according to the collection policy corresponding to each overdue customer. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
Fig. 2 is a flowchart of another credit collection method according to an embodiment of the present application. As shown in fig. 2, the credit transaction collection method provided in the embodiment of the present application includes the following steps:
s201: customer information for a plurality of overdue customers associated with a plurality of credit products is obtained.
S202: determining a willingness to pay score, a ability to pay score, and a credit score for each overdue customer based on the customer information for the plurality of overdue customers.
S203: and determining the overdue grade of each overdue client according to the repayment willingness score, the repayment capacity score and the credit score of each overdue client.
S204: and aiming at each overdue client, matching the collection promotion strategy corresponding to the overdue level.
The descriptions of S201 to S204 may refer to the descriptions of S101 to S104, and the same technical effects can be achieved, which are not described in detail herein.
Here, the collection strategy comprises collection frequency and collection mode; the collection prompting mode comprises a machine collection prompting mode, a manual collection prompting mode, an outsourcing collection prompting mode, a telephone recording collection prompting mode and a short message collection prompting mode; if the collection urging mode is a manual collection urging mode, the collection urging strategy also comprises a collector level.
In the specific implementation, the established collection urging strategies are different for overdue clients with different overdue grades, wherein the collection urging strategies comprise collection urging frequency and collection urging mode. For example, for overdue customers with higher overdue level, namely overdue customers with lower active payment probability, an income promoting strategy with high income promoting frequency and manual income promoting mode can be formulated; for overdue customers with lower overdue grades, namely overdue customers with higher active payment probability, an invoicing strategy with low invoicing frequency and short message invoicing mode can be formulated.
S205: determining a collection urging sound parameter according to the basic information of each overdue client and a corresponding collection urging strategy; the voice parameters include gender parameter, dialect parameter, speed parameter, tone parameter and tone parameter.
In a specific implementation, the collection prompting method includes a machine collection prompting method, when the machine collection prompting method is adopted, a communication voice matched with the collected overdue client needs to be synthesized, specifically, a collection prompting sound parameter is determined according to basic information of each overdue client and a collection prompting strategy corresponding to the overdue client, and then a corresponding collection prompting sound is synthesized according to the collection prompting sound parameter, wherein the basic information of each overdue client includes age information, gender information and native place information, and further, according to the basic information of the overdue client, the gender parameter, dialect parameter and language speed parameter in the collection prompting sound parameter can be determined, for example, the northeast native place of the overdue client adopts the northeast dialect to prompt the overdue client, and the distance between the northeast and the overdue client can be shortened; according to the collection hastening strategy corresponding to each overdue client, tone parameters and tone parameters in the collection hastening sound parameters can be determined, wherein the tone parameters comprise soft tone and strict tone.
S206: and synthesizing the traffic sound for urging each overdue client to receive according to the urging sound parameters.
In specific implementation, for each overdue customer in a plurality of overdue customers, after the collection voice parameter corresponding to the overdue customer is determined according to the basic information and the corresponding collection policy of each overdue customer, the traffic voice for collecting each overdue customer is synthesized according to the collection voice parameter corresponding to each overdue customer.
It should be noted that, usually, a machine is used for hastening receipts, the sound of the machine is relatively hard, and the machine hastening receipts are a hastening receipts without interaction and without support of personalized interaction, so that the machine can be easily identified by a customer to communicate with the machine.
S207: and based on the traffic sound and a collection urging template corresponding to each overdue client, urging each overdue client to collect according to a corresponding collection urging strategy.
In specific implementation, after determining an income promoting strategy, synthesized humble and an income promoting template corresponding to each overdue client, aiming at each overdue client in a plurality of overdue clients, carrying out income promoting on each overdue client according to the corresponding income promoting strategy, wherein the income promoting template comprises income promoting content.
Further, here, a specific collection process is explained, that is, in step S207, based on the traffic sound and the collection template corresponding to each overdue client, collecting each overdue client according to the corresponding collection policy, including the following steps:
for each overdue client, dialing the telephone of each overdue client, and performing language communication with each overdue client according to the corresponding collection voice, collection template voice and collection template; acquiring response information of each overdue client in the language exchange process; and identifying the semantics in the response information, and performing response and tone switching according to the semantics.
In the specific implementation, for each overdue client in a plurality of overdue clients, in the process of urging each overdue client to receive, the telephone of each overdue client is dialed by the machine, so that the machine carries out language communication with the overdue client according to the urging sound and the urging template corresponding to the overdue client, in the communication process, the whole communication process is recorded to obtain the response information of the overdue client, the meaning of the content answered by the overdue client can be known by identifying the semantics in the response information of the overdue client, further, the response is carried out according to the semantics of the overdue client, and the language is determined to be switched out for communication until the urging task is completed.
Here, Natural Language Understanding (NLU) is used to recognize the intention of the client, and the flow chain is executed according to the receiving template definition, and the response information text is converted into speech (TTS) and then submitted to the calling platform and responded to the client.
In the embodiment of the application, the repayment intention score, repayment capacity score and credit score of each overdue customer can be determined by obtaining the customer information of a plurality of overdue customers related to a plurality of credit products and based on the customer information of the plurality of overdue customers, furthermore, the overdue grade of each overdue customer can be determined according to the repayment intention score, repayment capacity score and credit score of each overdue customer, further, the collection policy corresponding to the overdue grade of each overdue customer is matched, and collection is performed on each overdue customer according to the collection policy corresponding to each overdue customer. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
Based on the same application concept, the embodiment of the present application further provides a credit business collection device corresponding to the credit business collection method provided in the foregoing embodiment, and as the principle of solving the problem by the device in the embodiment of the present application is similar to the credit business collection method provided in the foregoing embodiment of the present application, the implementation of the device may refer to the implementation of the method, and repeated details are omitted.
Referring to fig. 3 to 5, fig. 3 is a functional block diagram of a credit transaction collection device 300 according to an embodiment of the present application; FIG. 4 illustrates a functional block diagram of the catalyst module 350 of FIG. 3; fig. 5 shows a second functional block diagram of a credit transaction collection device 300 according to an embodiment of the present application.
As shown in fig. 3, the credit transaction collection apparatus 300 includes:
a first obtaining module 310, configured to obtain customer information of a plurality of overdue customers associated with a plurality of credit products;
a first determining module 320 for determining a payment willingness score, a payment ability score and a credit score of each overdue customer based on the customer information of the plurality of overdue customers;
a second determining module 330, configured to determine an overdue level of each overdue customer according to the repayment willingness score, the repayment ability score, and the credit score of each overdue customer;
the matching module 340 is used for matching the collection-urging strategy corresponding to the overdue level for each overdue client;
and the collection urging module 350 is used for urging each overdue client to collect according to the collection urging strategy corresponding to each overdue client.
In one possible embodiment, as shown in fig. 3, the first determining module 320 is configured to determine the payment willingness score, the payment capability score and the credit score of each overdue customer according to the following steps:
inputting the client information of each overdue client into a preset repayment intention model, and outputting a repayment intention score of each overdue client;
inputting the client information of each overdue client into a preset repayment capacity model, and outputting the repayment capacity score of each overdue client;
and inputting the client information of each overdue client into a preset credit model, and outputting the client credit score of each overdue client.
In one possible embodiment, the collection strategy includes a collection frequency and a collection mode; the collection prompting mode comprises a machine collection prompting mode, a manual collection prompting mode, an outsourcing collection prompting mode, a telephone recording collection prompting mode and a short message collection prompting mode; if the collection urging mode is a manual collection urging mode, the collection urging strategy also comprises a collector level.
In one possible implementation, as shown in FIG. 4, the catalyst module 350 includes:
the determining unit 351 is used for determining the voice collection urging parameters according to the basic information of each overdue client and the corresponding collection urging strategy; the voice parameters comprise a gender parameter, a dialect parameter, a speech speed parameter, a tone parameter and a tone parameter;
a synthesizing unit 352, configured to synthesize humming voices for urging each overdue client to receive according to the urge-to-receive voice parameter;
and the collection urging unit 353 is used for urging each overdue customer to collect according to a corresponding collection urging strategy based on the traffic sound and the collection urging template corresponding to each overdue customer.
In one possible embodiment, as shown in fig. 4, the collection urging unit 353 is used for urging collection of each overdue customer according to the following steps:
for each overdue client, dialing the telephone of each overdue client, and performing language communication with each overdue client according to the corresponding collection voice and collection template;
acquiring response information of each overdue client in the language exchange process;
and identifying the semantics in the response information, and performing response and tone switching according to the semantics.
In one possible embodiment, as shown in fig. 5, the credit transaction collection device 300 further comprises:
the second obtaining module 360 is configured to obtain, for each overdue client, collection urging effect data of each overdue client after collection urging each time; the collection effect data comprises the proportion of the collection amount to the total debt, the collection amount and the repayment frequency;
and the adjusting module 370 is configured to adjust the collection acceleration strategy corresponding to each overdue client according to the collection acceleration effect data of the past times.
In one possible implementation, as shown in fig. 5, the adjusting module 370 is configured to adjust the revenue acceleration policy corresponding to each overdue customer according to the following steps:
and adjusting parameters of the payment willingness model, the payment capability model and the credit model according to the payment collection prompting effect data.
In one possible embodiment, as shown in fig. 5, the credit transaction collection device 300 further comprises:
the recording module 380 is used for recording the information of the collection process; the collection urging process information comprises collector urging information, expiration time, end time, collection urging state, collection urging evaluation, collection urging feedback, basic information of overdue clients to be promoted and collection urging mode.
In one possible embodiment, the customer information includes at least one of the following:
historical collection records, overdue number, repayment information, repayment frequency, credit information, arrears information, loan information, identity information and property information.
In the embodiment of the application, the first obtaining module 310 is used for obtaining the customer information of a plurality of overdue customers related to a plurality of credit products, and based on the customer information of the plurality of overdue customers, the repayment willingness score, the repayment capacity score and the credit score of each overdue customer can be determined through the first determining module 320, further, according to the repayment willingness score, the repayment capacity score and the credit score of each overdue customer, the overdue grade of each overdue customer can be determined through the second determining module 330, further, the matching module 340 is used for matching the collection acceleration strategy corresponding to the overdue grade of each overdue customer, and according to the collection acceleration strategy corresponding to each overdue customer, the collection acceleration module 350 is used for collecting each overdue customer. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
Based on the same application concept, referring to fig. 6, a schematic structural diagram of an electronic device 600 provided in the embodiment of the present application includes: a processor 610, a memory 620 and a bus 630, wherein the memory 620 stores machine-readable instructions executable by the processor 610, when the electronic device 600 runs, the processor 610 and the memory 620 communicate through the bus 630, and the machine-readable instructions are executed by the processor 610 to perform the steps of the credit transaction collection method according to any one of the above embodiments.
In particular, the machine readable instructions, when executed by the processor 610, may perform the following:
acquiring customer information of a plurality of overdue customers related to a plurality of credit products;
determining a repayment willingness score, a repayment ability score and a credit score of each overdue customer based on the customer information of the plurality of overdue customers;
determining the overdue grade of each overdue client according to the repayment willingness score, the repayment ability score and the credit score of each overdue client;
aiming at each overdue client, matching an income urging strategy corresponding to the overdue level;
and according to the corresponding income hastening strategy of each overdue client, hastening the income of each overdue client.
In the embodiment of the application, the repayment intention score, repayment capacity score and credit score of each overdue customer can be determined by obtaining the customer information of a plurality of overdue customers related to a plurality of credit products and based on the customer information of the plurality of overdue customers, furthermore, the overdue grade of each overdue customer can be determined according to the repayment intention score, repayment capacity score and credit score of each overdue customer, and then the collection promotion strategy corresponding to the overdue grade of each overdue customer is matched, and collection promotion is carried out on each overdue customer according to the collection promotion strategy corresponding to each overdue customer. Based on the mode, the credit collection efficiency and accuracy of the credit business can be improved.
Based on the same application concept, the embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and the computer program is executed by a processor to perform the steps of the credit transaction collection method provided by the above embodiment.
Specifically, the storage medium can be a general storage medium, such as a mobile disk, a hard disk, and the like, and when the computer program on the storage medium is executed, the method for expecting credit services can be executed, so that the efficiency and accuracy of expecting credit services can be improved.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the system and the apparatus described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A credit transaction collection method, the collection method comprising:
acquiring customer information of a plurality of overdue customers related to a plurality of credit products;
determining a repayment willingness score, a repayment ability score and a credit score of each overdue customer based on the customer information of the plurality of overdue customers;
determining the overdue grade of each overdue client according to the repayment willingness score, the repayment ability score and the credit score of each overdue client;
aiming at each overdue client, matching an income urging strategy corresponding to the overdue level;
and according to the corresponding income hastening strategy of each overdue client, hastening the income of each overdue client.
2. The method of claim 1, wherein the determining a willingness to pay score, a ability to pay score, and a credit score for each overdue customer based on the customer information of the plurality of overdue customers comprises:
inputting the client information of each overdue client into a preset repayment intention model, and outputting a repayment intention score of each overdue client;
inputting the client information of each overdue client into a preset repayment capacity model, and outputting the repayment capacity score of each overdue client;
and inputting the client information of each overdue client into a preset credit model, and outputting the client credit score of each overdue client.
3. The method of claim 1, wherein the harvest strategy comprises a harvest frequency and a harvest pattern; the collection prompting mode comprises a machine collection prompting mode, a manual collection prompting mode, an outsourcing collection prompting mode, a telephone recording collection prompting mode and a short message collection prompting mode; if the collection urging mode is a manual collection urging mode, the collection urging strategy also comprises a collector level.
4. The method for hastening receipts according to claim 1, wherein the hastening receipts for each overdue customer according to the hastening policy corresponding to each overdue customer comprises:
determining a collection urging sound parameter according to the basic information of each overdue client and a corresponding collection urging strategy; the voice parameters comprise a gender parameter, a dialect parameter, a speech speed parameter, a tone parameter and a tone parameter;
synthesizing humbucks for urging each overdue client to receive according to the urging sound parameters;
and based on the traffic sound and a collection urging template corresponding to each overdue client, urging each overdue client to collect according to a corresponding collection urging strategy.
5. The collection method according to claim 4, wherein the collecting for each overdue customer according to the corresponding collection policy based on the traffic sound and the collection template corresponding to each overdue customer comprises:
for each overdue client, dialing the telephone of each overdue client, and performing language communication with each overdue client according to the corresponding collection voice and collection template;
acquiring response information of each overdue client in the language exchange process;
and identifying the semantics in the response information, and performing response and tone switching according to the semantics.
6. The method of claim 2, wherein after the receiving is performed for each overdue customer according to the receiving policy corresponding to each overdue customer, the method further comprises:
aiming at each overdue client, acquiring the collection effect data of each overdue client after collection; the collection effect data comprises the proportion of the collection amount to the total debt, the collection amount and the repayment frequency;
and adjusting the collection acceleration strategy corresponding to each overdue client according to the collection acceleration effect data of the past times.
7. The method for hastening receipts according to any one of claims 1-6, wherein the adjusting the receiving hastening strategy corresponding to each overdue customer according to the historical receiving hastening effect data comprises:
and adjusting parameters of the payment willingness model, the payment capability model and the credit model according to the payment collection prompting effect data.
8. A credit transaction collection apparatus, comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring client information of a plurality of overdue clients related to a plurality of credit products;
the first determining module is used for determining a repayment willingness score, a repayment capacity score and a credit score of each overdue client based on the client information of the overdue clients;
the second determining module is used for determining the overdue grade of each overdue client according to the repayment willingness score, the repayment capacity score and the credit score of each overdue client;
the matching module is used for matching the collection urging strategy corresponding to the overdue level for each overdue client;
and the collection urging module is used for urging each overdue client to collect according to the collection urging strategy corresponding to each overdue client.
9. An electronic device, comprising: a processor, a memory and a bus, the memory storing machine-readable instructions executable by the processor, the processor and the memory communicating over the bus when the electronic device is operating, the machine-readable instructions being executable by the processor to perform the steps of the method of claim of credit transaction as claimed in any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, performs the steps of the method for credit extension of a credit service according to any one of claims 1 to 7.
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